Insurance

Health care and health insurance is often a concern of parents as their sons and daughters depart for college. We at Roger Williams University are actively involved in the health and well being of our students. Use of the Student Health Service is covered by the undergraduate student fees. All full time undergraduate day students have access to Student Health Services. There is no charge for visits to the Student Health Services for illness or injury. Charges will be incurred for routine well physical exams, immunizations, lab work, prescription medication and referrals to outside providers. These charges can be submitted to your private health insurance.   Charges not covered by your private health insurance will be billed directly to the student by the provider of the service.

Health Service is open 8:30am to 5:00pm, Monday thru Friday. After hours, emergency care is provided through Newport Hospital, Rhode Island Hospital or Bristol County Medical Center. Emergency transportation to and from these facilities is provided if needed.  Students should contact their CORE/RA or Public Safety at 401-254-3333 for any afterhour’s medical concern. 

Health Insurance Information
(Waiver and Voluntary Enrollment Procedure)

As you prepare for the 2013-14 academic year, we urge you to consider your health insurance coverage a top priority.  It is important that students have access to comprehensive medical care while enrolled at Roger Williams University and we are pleased to make available an Accident & Sickness Insurance Plan for our students.  The following provides additional information regarding the Plan:

Residential Undergraduate, Masters in Architecture Students and All International Students:

All undergraduate and Masters in Architecture students living in University housing and all international students on an F-1 or J-1 visa are automatically enrolled in the University’s Student Accident & Sickness Insurance Plan for coverage effective August 14, 2013 - August 13, 2014.  Those students who provide proof of adequate coverage under an existing plan may waive the University’s Student Insurance Plan through the below process.  Those students who do not waive the insurance and those not covered under an existing plan will see a separate charge of $1,147 on their bill.  An explanation of the Student Accident and Sickness Insurance can be found online at:   https://consolidatedhealthplan.com/group/112/home

Waiver Process:  If you are currently insured under another insurance policy and do not wish to have coverage under the Roger Williams University sponsored plan, you may waive out of the insurance. To waive out, students will be required to decline the University’s Student Insurance Plan and provide information on their insurance plan by completing the form here: https://consolidatedhealthplan.com/group/112/waiver/1

By completing a waiver, you are certifying that you have comparable coverage and agree that you will be responsible for your medical expenses, and that Roger Williams University will not be responsible for those expenses.  Upon your waiver being accepted, the insurance fee will be removed from the student’s account.  FAILURE TO COMPLETE the on-line Waiver Form by the deadline, August 14, 2013, will result in your mandatory purchase of the University’s Student Insurance Plan for the 2013-2014 academic year, without the possibility of later waiver, refund or cancellation.

Before Waiving
If you are considering waiving the University’s Student Insurance Plan, please note that some insurance plans are restrictive and may leave students essentially uninsured while away at school.  This could result in you incurring substantial out-of-pocket costs for medical care.  In evaluating your plan and to assist you in making an informed decision, you must verify the following

• My plan provides adequate coverage that is accessible in the Rhode Island area for:
  • Lab tests and x-rays
  • Prescription drugs
  • Hospitalization (including room & board, physicians’ fees and surgical expenses)
  • Outpatient hospital services
  • Mental health care
  • Emergency room care
• My plan will cover me through August 13, 2014
• My plan does not have a high deductible that needs to be met before I am allowed to access coverage
• If I intend on studying abroad this upcoming year (including for a short-term study abroad trip) my plan provides coverage anywhere in the world

Please understand that the University reserves the right to decline a waiver request (and revoke an approved waiver) if it determines that the alternate insurance does not provide adequate insurance coverage.

Once You Waive:  If you waive coverage, you can only enroll at a later date if you lose coverage under your current private health insurance plan due to a qualifying event. You must enroll within thirty one (31) days of the loss of coverage and you will be charged the full premium ($1,147) for the entire term if you enroll before January 15, 2014 or $645.00 if you enroll after January 15, 2014.

Full-Time Commuter, Full-Time Graduate and School of Law Students:

Full-Time Commuter, full-time graduate and School of Law students are encouraged, but are not required to enroll in the University’s Student Accident & Sickness Insurance Plan. 

A summary of benefits of the plan is available here https://consolidatedhealthplan.com/group/112/home .

To purchase coverage, you may enroll at https://consolidatedhealthplan.com/group/112/enrollment/1

You may enroll on-line and pay by credit card, or you may download the application and mail it in with a check for payment.

Please note that the enrollment deadline dates are September 30 for the fall semester and February 28 for the spring semester.   No enrollment will be accepted after this date.