Health Insurance and Services
Health Insurance Information for Academic Year 2018-19
Roger Williams University requires all law students (JD and MSL) to have adequate health insurance coverage. As you prepare for the 2018-2019 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 annual premium for coverage effective August 14, 2018 to August 13, 2019 is $2,011. 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 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, 2018 to August 13, 2019. 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. Students who do not waive the insurance and those not covered under an existing plan will see a separate charge of $2,011 on their bill.
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. Students should verify whether the 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 surprised by the comprehensive coverage and cost of the Student Health Insurance Plan.
Students are required to confirm enrollment or waive coverage by August 15, 2018. Students who do not complete an enrollment or waiver form will be automatically enrolled in and billed for the University's Student Health Insurance Plan.
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 navigation menu to the left 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 navigation menu on the left 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 submitted, and you should try again or contact University Health Plans at 800-437-6448 or firstname.lastname@example.org for assistance.** Please allow 5-7 business days for your waiver to be processed.
By completing a waiver, you are certifying that you have comparable coverage and agree that you will be responsible for any medical expenses you incur, and that Roger Williams University and the Student Health Insurance Plan will not be responsible for those expenses.
THE DEADLINE TO WAIVE IS AUGUST 15, 2018. If a waiver has not been processed by that time, you will be automatically enrolled in and billed for the University's Student Health Plan.
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, 2018 and continuing until August 13, 2019. 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.
If you are considering waiving the University’s Student Health Insurance Plan, please note that not all plans provide comprehensive coverage in Rhode Island such as certain HMO and EPO plans and out-of-state Medicaid plans. 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, please verify the following
My plan provides access to in network providers, hospitals, urgent care, lab tests, diagnostic imaging, pharmacies, and behavior health providers in Rhode Island:
• My plan will cover me through August 13, 2019
• 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 is determined 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, 2019 or the spring semester premium if you first enroll after January 15, 2019.
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 $610, 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 on the RWU Health Services webpage. To enroll, please contact the Office of Student Finance and Records or visit the Office of Student Finance and Records webpage.
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.
Additional Information for New Students:
New students enrolling at the University for the 2018-19 academic year will be able to access the waiver form once you have received your RWU Student ID, which is sent by email approximately two weeks after your deposit has been received.
Having problems with your RWU Student ID? 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 email@example.com.