Health Insurance and Services
Health Insurance Information for Academic Year 2017-18
Waiver and Voluntary Enrollment Procedure
As you prepare for the 2017-18 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:
Health insurance coverage is required for all degree seeking JD and MSL students except Visiting Students. Required students are automatically enrolled in the University’s Student Accident & Sickness Insurance Plan for coverage effective August 14, 2017 - August 13, 2018. Students will see a separate charge of $2,332 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: www.universityhealthplans.com/rwu.
Enrollment & Waiver Process
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. The Admissions Office will send new students their student ID by email. 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 firstname.lastname@example.org 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 Enroll or 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.
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.
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 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? 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 email@example.com.