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Health Insurance Information for Academic Year 2015-16
Waiver and Voluntary Enrollment Procedure
As you prepare for the 2015-16 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 School of Law and the University is pleased to make available an Accident & Sickness Insurance Plan for its students. The following provides additional information regarding the Plan:
All new, full-time Law Students (entering Fall 2015) and all international law students:
Health insurance coverage is required for all new School of Law students (first enrolled as of Fall 2015) and all international law students on an F-1 or J-1 visa. These students are automatically enrolled in the University’s Student Accident & Sickness Insurance Plan for coverage effective August 14, 2015 - August 13, 2016. Students will see a separate charge of $1,961 on their student bill. Students who provide proof of adequate coverage under an existing plan may waive the University’s Student Insurance Plan through the process detailed below. 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 University-sponsored plan, you may waive out of the insurance. The deadline to waive out is August 14, 2015. 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 your student account. FAILURE TO COMPLETE the on-line Waiver Form by the deadline, August 14, 2015, will result in your mandatory purchase of the University’s Student Insurance Plan for the 2015-2016 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, 2016
- 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 ($1,961) for the entire term if you enroll before January 15, 2016 or $1,104 if you enroll after January 15, 2016.
Returning Law Students
Enrollment Deadline is September 14, 2015
Returning School of Law Students with 9+ credits are encouraged but not required to enroll in the University’s Student Accident & Sickness Insurance Plan for coverage effective August 14, 2015 - August 13, 2016. Students who wish to enroll in this plan voluntarily may purchase this insurance directly through CHP by clicking on the Enroll tab. Please note that the deadline to enroll is September 14, 2015. No enrollment will be accepted after this date. Enrollment can be done online at this website: https://consolidatedhealthplan.com/group/112/waiver/1
Returning law students may enroll after the September 14 deadline only if they lose coverage under an existing 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 ($1,961) for the entire term if you enroll before January 15, 2016 or $1,104 if you enroll after January 15, 2016.
On-Campus Health Services (Optional)
Regardless of a student’s enrollment in the RWU Student Health Insurance Plan or another plan, law students have the option of signing up for the optional Roger Williams University Health Services for an annual fee of $572, which entitles the student to services available at the Health Service Clinic, located on campus in the Center for Student Development. Health Services provides a variety of routine medical services including illness and injury visits, well-visits, vaccinations and laboratory services. The Health Services Fee does not cover all costs associated with office visits and additional fees will be incurred for lab work, x-rays, prescriptions and referrals. Therefore, a current insurance card must be on file at Health Services to facilitate direct insurance billing or bills for these services will be directed to the responsible party. Student Health Service is open 8:30 a.m. to 5:00 p.m., Monday thru Friday. After hours, emergency care is provided through Newport Hospital, Rhode Island Hospital or Bristol County Medical Center. Detailed information on Health Services can be found at www.rwu.edu/campus-life/health-counseling. To enroll, please contact the Office of Student Finance and Records or visit http://law.rwu.edu/academics/student-finance-records.
Students who do not enroll in University Health Service may not access the University Health Services Clinic but may use their private insurance to seek care at area walk-in clinics or private physician’s offices.