Student Health Benefits
Attention students returning to campus for Spring 2021:
The university requires that all students maintain adequate health insurance coverage while on campus. Waiver of the annual Student Health Benefits Plan was extended for J1/F1 students and those who do not have out of state coverage in the MD/DC area for the Fall 2020 term due to remote learning. Now that we anticipate offering in-person classes for the upcoming spring term, we must ensure that all students returning to campus in January are fully covered by health insurance.
Students who are expected to return to campus for the Spring 2021 term, and who previously waived coverage under the Student Health Benefits plan for the Fall 2020 term, must review the current waiver criteria. This includes all students with a J1 or F1 visa status, and all other students with a personal health insurance plan that does NOT meet the minimum waiver requirements. Students who do not meet all of the below waiver criteria for spring are required to request enrollment in the Student Health Benefits plan using our contact form by Wednesday, January 20, 2021.
The Spring 2021 term of the plan period will be effective January 15, 2021 to August 14, 2021. Students who are currently enrolled in the Student Health Benefits plan for the 2020/21 plan year, or who waived coverage in the fall and continue to meet all waiver requirements, are not required to take any action at this time.
- I am not an international student with a J1 or F1 visa status. (All J1/F1 students who will be on campus are required to enroll in the Student Health Benefits plan)
- My plan is Affordable Care Act (ACA) compliant. My plan covers the following essential health benefits:
a. Emergency Services: care received for conditions that could lead to serious disability or death if not immediately treated, not penalized for going out-of-network or not having prior authorization.
b. Hospitalization: treatment in a hospital for inpatient care including laboratory services and medication during the hospital stay.
c. Laboratory services: testing provided to help a doctor diagnose an injury, illness or condition, or to monitor the effectiveness of a particular treatment.
d. Maternity, newborn care and breastfeeding coverage: Care that women receive during pregnancy, through delivery, post-delivery and care for newborns.
e. Mental health services and addiction treatment: inpatient and outpatient care provided to evaluate, diagnose and treat a mental health condition or substance abuse disorder. Limits must comply with state or federal parity laws.
f. Outpatient Care: care received without being admitted to a hospital such as a doctor’s office or clinic.
g. Pediatric services: well-child visits, vaccines, immunizations, dental and vision care
h. Prescription drugs, including birth control coverage: medications that are prescribed by a doctor to treat an illness or condition, some prescription drugs can be excluded.
i. Preventive services, wellness services and chronic disease management: including physicals, immunizations and screenings designed to prevent or detect certain medical conditions.
j. Rehabilitative services and devices: Services to help recover or develop skills and device to help gain or recover mental and physical skills due to injury, disability or chronic condition.
3. My plan allows the insured to visit U.S. doctors, hospitals, laboratories and other health care providers in the Baltimore/Washington, DC metropolitan area or local area where the insured will be residing and studying for the academic year and is not limited to emergency-only care.
4. My plan is not an out of state Medicaid plan. (These plans are not accepted in Maryland or abroad.)
5. I will remain enrolled in health care coverage for the duration of the academic year.
6. I understand that I will be responsible for paying my deductible and any out-of-pocket costs for medical services that I receive.
Note: A deductible is the amount you pay for covered health care services before insurance plan starts to pay (e.g. with a $2,000 deductible you pay the first $2,000 of covered services for yourself, after you pay your deductible, you usually pay only a copayment or coinsurance for covered services). An out-of-pocket maximum is the total amount you pay each plan year for healthcare including co-pays, deductibles, and co-insurance. Once you have reached your out-of-pocket maximum, your plan will pay for 100% of the allowed amount for covered services.
For comparison purposes, the school-sponsored health insurance plan has a $250 deductible and a $5,250 out-of-pocket-maximum.
Coronavirus Update from Cigna:
If you are a Cigna customer, they will waive all co-pays and cost-shares for Coronavirus (COVID-19) testing as recommended by your health care provider. Please click here for more information.
It is policy of Johns Hopkins University that all full-time students in the schools of Arts and Sciences and Engineering maintain adequate health insurance coverage to provide protection against unexpected accidents and illnesses.
As a full-time student, you will be automatically enrolled in the university’s student-sponsored health benefits plan, and the plan premium will be charged to your university student account, unless proof of comparable health insurance is provided for students eligible to waive.
If you have private insurance coverage comparable to the university plan, then you may be eligible to submit a waiver request form via the Student Information System (SIS) during the open-enrollment period from July 1st to September 15th. Please be aware that a waiver request form must be submitted each academic year regardless if your insurance information has changed or not.
Open Enrollment Dates & Deadlines
The open-enrollment period will begin on July 1st and end on September 15th each academic year.
Waivers can only be accepted during open enrollment and will not be accepted after September 15th.
All international students with a F1 or J1 Visa status are ineligible to waive and are required to purchase the university plan.
- Be sure you are aware of the Athletic Medical Insurance Policy before waiving coverage.
- It is the sole responsibility of the student athlete and his/her family to verify that their insurance plan meets the criteria set forth and to alert the athletic training department if there are any changes to their insurance coverage.
- JHU will not cover any expenses generated by insurance coverage that does not meet the waiver criteria.
Details about the student health benefit plan offered by the university will be available soon.
For information regarding the new vision plan and dental plan options available to students, please visit the Student Health Benefits Plan page on the JHU benefits site, or contact JHUStudentBenefits@jhu.edu.
Additional resources and cost of coverage can also be found on the JHU benefits website.
Incoming students: A copy of your Insurance ID card will be available to print through your SIS at the start of the plan period, beginning August 15th.
Continuing students: To print a copy of your current Insurance ID card for the plan period during open enrollment, visit Online ID Card Login.
Online Waiver Instructions
Follow these steps to waive out of the university insurance plan (during open enrollment only, the deadline to submit a waiver is September 15th):
- Log into your SIS self-service main page
- Select the “Personal Info” menu
- Choose “Student Insurance Benefits” from the dropdown
- Select “Click here to go to Health Insurance Screen”
- Click on the “Waive Health Insurance” link, which will take you to the waiver processing page
Note: If the waiver request form meets all waiver criteria and is accepted then you will be waived for the entire plan period. Contact the Office of the Registrar if your insurance coverage changes during the academic year.
Please be aware that a waiver request form must be submitted each academic year regardless if your insurance information has changed or not.
If you do not complete a waiver or the waiver submitted has been denied, you will remain enrolled in the Student Health Benefits Plan and your student account will be charged for individual coverage. No exceptions to the waiver criteria will be made.
Answers to frequently asked questions are listed on the “Health Insurance” page of your SIS self-service account. You can use our contact form for additional questions regarding enrollment in student health plan. Concerns regarding enrollment in the student vision and dental plans should be directed to JHUStudentBenefits@jhu.edu.