Insurance

Health care and health insurance is often a concern of parents as their student departs for college. We at Roger Williams University are actively involved in the health and well-being of our students.  All full-time undergraduate day students (residential and commuter) may be seen at Health Services.  Visits for illness or injury are covered under the semester fee.  Fees will be incurred for routine well physicals, immunizations, lab work, x-rays, prescription medications, and referrals to outside providers.  A current insurance card must be on file at Health Services to facilitate direct insurance billing, otherwise bills for these services or for services not covered by your private health insurance plan will be billed directly to the student by the provider of service.

Health Insurance Information for Academic Year 2017-2018:

Roger Williams University requires all students to have adequate health insurance coverage.  As you prepare for the 2017-2018 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 a health insurance plan for our students.  Roger Williams University has partnered with University Health Plans to offer a comprehensive Student Health Insurance Plan.  The plan offers a Preferred Provider Organization (PPO) and has been customized to meet the needs of University students with an emphasis on wellness.  The cost of this student health insurance plan for 2017-2018 academic year will be $2,332 for 12 months of coverage.  For detailed information about the University's Student Health Insurance Plan and premium please visit: www.universityhealthplans.com/rwu.

All full-time undergraduate students (residential and commuter), all Master's in Architecture students, all School of Law students (JD & MSL), and all International students on an F-1 or J-1 visa are automatically enrolled in and billed for the University's Student Health Insurance Plan for coverage effective August 14, 2017 to August 13, 2018.  Those students who provide proof of adequate coverage under an existing plan may waive the University's Student Health Insurance Plan by following the waiver process outlined below.  Those students who do not waive the insurance and those not covered under an existing plan will see a separate charge of $2,332 on their bill.

With the passage of the Affordable Care Act, the terms of coverage for this health insurance plan have expanded.  The University has thoroughly explored available products with the dual goals of making this coverage both comprehensive and affordable.  The University-sponsored Health Insurance Plan features a low deductible but also includes copayments for office visits to offset the deductible. 

As an alternative to the University's Student Health Insurance Plan, students may consider other options available to them through their parent's insurance plan or home state insurance exchange, but students should verify whether their coverage extends to Rhode Island based providers.  Additionally, students should consider the cost and out of pocket expense of their other insurance plan and may be pleasantly suprised by the comprehensive coverage and cost of the Student Health Insurance Plan.

Students are required to confirm enrollment or waive coverage by August 15, 2017.  Students who do not complete an enrollement or waiver form will be automatically enrolled in and billed for the University's Student Health Insurance Plan.

International Student Process:

International students will be automatically enrolled in the University's Student Health Insurance Plan and do not need to take any action to enroll.  International students who have an Embassy Sponsored Insurance Plan should contact the Intercultural Center at 401-254-3400 to waive coverage.  If you have comparable US-based health insurance, contact University Health Plans at 800-437-6448 or info@univhealthplans.com to discuss waiver options.

Enrollment and Waiver Process:

If you are enrolling in the student health insurance plan, go to www.universityhealthplans.com/rwu, locate the enrollment form in the menu on the left-hand side of the page and follow the instructions.  Students will need their student ID number and date of birth to access the enrollment form.  New students will receive their student ID in approximately two weeks after their deposit is received.  Confirming enrollment in a timely manner ensures the student's information is transferred to the insurance company prior to the start of the plan year.

If you are currently insured under an existing health insurance plan and you do not wish to have coverage under the University-sponsored plan, go to www.universityhealthplans.com/rwu, locate the waiver form in the menu on the left-hand side of the page and follow the instructions.  Students will need their student ID number and date of birth to access the waiver form.  New students will receive their student ID in approximately two weeks after their deposit is received.  Once the waiver form is submitted, a confirmation email will be sent to the student email address.  If a confirmation email is not received, the waiver has not been submittted, and you should try again or contact University Health Plans at 800-437-6448 or info@univhealthplans.com for assistance.

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. 

The deadline to waive is August 15, 2017.  If a waiver has not been processed by that time, you will be automatically enrolled in the University's plan.  As there is a limited period to waive the insurance, we strongly encourage you do to do as soon as possible. 

The full cost of the health insurance plan will appear on the student's bill until the waiver form has been submitted and processed (by the deadline of August 15th) and the information transmitted to Roger Williams University.  At that time, any insurance charge that may have been applied to the bill will be removed.

The annual fee will appear as a separate charge on the student's bill, with coverage starting August 14, 2017 and continuing until August 13, 2018.  Provided that fees have been paid, coverage is in effect whether the student is at school, at home, or traveling - including study abroad.  The insurance brochure will be available within the first few weeks of the semester and ID cards can be downloaded approximately 10 business days after enrollment in the plan is confirmed. 

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, physician's fees and surgical expenses)
    • Outpatient hospital services
    • Mental health care
    • Emergency room care
  • My plan will cover me through August 13, 2018
  • 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 plan does not provide adequate 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. You will be charged the full premium for the entire year if you enroll before January 15, 2018 or the spring semester premium if you first enroll after January 15, 2018.

Voluntary Enrollment Option:

Full-time graduate students (Non-Master's in Architecture) with 6+ credits are encouraged, but not required to enroll in the University's student health insurance plan.  The deadline to complete a voluntary enrollment in the student health insurance plan is August 15, 2017.

Additional Information for New Students:

New students enrolling at the University for the 2017-18 academic year will be able to access the waiver form once you have received your RWU Student ID, which is included in a separate mailing after your deposit has been received.

Having problems with your RWU Student ID?  Undergraduate and graduate students should contact the Registrar's Office at 401-254-3510, and School of Law students should contact the Office of Student Finance & Records at 401-254-4657.

If you have questions about the University's student health insurance plan enrollment or waiver process, contact University Health Plans at 800-437-6448 or info@univhealthplans.com