Student Health Plan
UPDATE: New Students Starting 1st Term 2020-21 (August 31, 2020) will receive information on or around August 10th from Gallagher Student Health regarding Student Benefits. There is nothing for you to do until after August 10. All insurance plans purchased by students or funded by JHSPH for them will be effective September 1, 2020.
All full-time students are required to have health insurance coverage.
Students will automatically be enrolled in the Student Health Plan, administered by EHP, without proof of comparable coverage provided at Orientation Activities. Comparable coverage would need to provide a minimum of $250,000 USD in coverage for all medical costs and allow the student to use the insurance in the State of Maryland. See insurance waiver information at bottom of page.
University Health Services Clinic Fee
All full-time on-campus students are billed a $850.00 Health Clinic Fee for access to our on-campus health center. (Effective July 1, 2020).
The University Health Services Fee (UHS) is not insurance and students are billed the fee on a per-term basis ($212.50 per term) until the $850.00 is paid in full (after 4 terms). This fee grants students unlimited access to Primary Care Services as well as Mental Health Services at the UHS Clinic and is billed to all full-time on-campus students regardless of whether they are enrolled in the Student Health Plan.
Monthly Insurance Premium Rates
Academic Year 2020-2021 (effective July 1, 2020):
- Individual: $330.00
- 2-Party: $820.00
- Family: $1,100.00
Annual Deductibles (what you have to pay out of pocket before your insurance coverage pays anything):
- Individual = $150.00
- Two-Party, Parent-Child, Family, etc. = $450.00
Your monthly premiums are posted to your student account on a term basis.
- July-August: Summer Term
- September-October: 1st Term
- November-December: 2nd Term
- January-March: 3rd Term
- April-June: 4th Term
Student Health Plan Insurance WAIVER Information
Students opting to waive health insurance via providing proof of comparable coverage will have their waiver in full force and effect throughout the duration of their academic program enrollment at JHSPH. However, students are allowed to enroll in the Student Health Plan in the future terms as needed.
It is the responsibility of each student to notify the Student Accounts Office if current coverage expires or changes while enrolled as a full-time student.
- List of Insurance Companies Accepted by Johns Hopkins Hospital - http://www.hopkinsmedicine.org/patient_care/pay_bill/insurance.html
Summer Cohort –Waiver Deadline: July 10
Fall Term 1 (*New and Continuing students), waiver deadline: September 10th.
Termination of Coverage
Students are responsible for notifying Student Accounts and Business Services when they wish to terminate their coverage, regardless of the source of funding. If a student is no longer enrolled in the School or has graduated, the student will be notified in writing that their coverage will be terminated. Student Accounts and Business Services must be notified no later than 60 days from the date of your termination (coverage will be retroactive). You have the right to continue these benefits at your own expense for a period up to 18 months.
Extension of current insurance benefits to students who are separating permanently from the University is offered under the Consolidated Omnibus Budget Reconciliation Act (COBRA). If you elect to continue under COBRA, premiums will increase slightly and payment will be due the first of each month. Monthly rates for COBRA are as follows:
Academic Year 2020-2021 (effective July 1, 2020)
- Individual: $340.00
- Two-Party: $840.00
- Family: $1,120.00
You are responsible for 18 months of premiums unless you notify the Student Accounts Office in writing that you wish to terminate your coverage prior to the end of your 18 month period.
ACCESS TO UNIVERSITY HEALTH SERVICES
Access to UHS services ceases on the date of the one year anniversary of the first payment of the Health Fee. JHSPH students should begin to make arrangements to establish with a non-UHS provider at least 90 days prior to the anniversary. Participants in COBRA Student Health Program are not eligible to use UHS services.