Explanation of Benefits

The Student Health Program (SHP) is a traditional fee-for-service plan that offers you the security of a wide range of health care benefits. These benefits include coverage for inpatient and outpatient hospital care, medical and surgical services, prescription drugs, and mental health and substance abuse services. The Program allows you to receive care from any physician of your choice anywhere in the U.S. or foreign country. After meeting an annual $100 deductible per member ($300 per family), the plan generally pays 80 percent for most services. The remaining 20 percent is the student's responsibility. The annual out-of-pocket limit is $3,000 per person or $9,000 per family. Please note, this plan does not cover expenses related to well care.

Eligible students enrolled in the SHP also have the option of utilizing the University Health Service (UHS) located in the Johns Hopkins Hospital. The UHS provides most ambulatory care services as a supplement to the SHP. These services are provided by faculty and professional staff of the School of Medicine. The UHS covers most inpatient charges and outpatient diagnostic work associated with an illness. Additionally, the UHS provides $100 per calendar year towards meeting the student's deductible for Major Medical expenses. Please read the University Health Service's brochure for more information, including a list of exclusions not covered by UHS.