Eligibility & Plans
It is the policy of Johns Hopkins University that all full-time students maintain adequate health insurance coverage to provide protection against unexpected accidents and illnesses. Most full-time students are automatically enrolled in the university 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.
Those who are eligible to waive the insurance must do so annually. All International students with an active F1 or J1 Visa status, are ineligible to waive and are required to purchase the university plan.
There are some instances where a student’s department covers the cost of health benefits. In these situations, students will see a credit on their SIS bill for medical, dental and/or vision coverage.
Submit a Waiver for Health Insurance
As of 7/1/2023, all JHU students in the following programs are eligible for the Wellfleet medical plan:
- Advanced Academic Programs (AAP)
- Carey Business School (CBS)
- Engineering for Professionals (EP)
- Krieger School of Arts and Sciences (KSAS)
- Peabody Institute (Peabody)
- School for Advanced International Studies (SAIS)
- School of Education (SOE)
- Whiting School of Engineering (WSE)
- Bloomberg School of Public Health (BSPH)
- School of Medicine (SOM)
- School of Nursing (SON)
- Berman Institute
- Sheridan Libraries
Students can use their student health insurance in and outside the Baltimore area. Wellfleet utilizes the Cigna PPO network, which has expansive options throughout the US and some countries. Visit the Wellfleet website or call 1-877-657-5044. You can search for a provider by visiting the Cigna website. Choose the type of search you want to conduct, and when prompted to “Login/Register,” click “Continue as Guest.” When prompted to “Please Select a Plan”, enter location, hit “Continue”, and then choose “PPO, Choice Fund PPO.”
PDF Document: View Wellfleet Plan Brochure
A copy of your Insurance ID card will be available to print through your Wellfleet account at the start of the plan period.
You can request a physical card to be mailed to you by contacting Wellfleet directly.
Rates and Effective Dates for 2023-2024
- Returning East Baltimore students (School of Nursing, School of Medicine, School of Public Health) will be automatically enrolled in coverage effective 7/1/2023.
- New East Baltimore students and all students at Krieger, Whiting, SAIS, Peabody, Carey, and School of Education will be automatically enrolled in coverage effective 8/15/2023.
- Students graduating from the University in the Spring will have coverage though August 14. Students graduating in the Fall will have coverage through December 31.
Annual Cost of Coverage for 2023-2024 (Wellfleet)
|Medical: Student & 1 Dependent||$6,232|
|Medical: Individual & Family (2+)||$7,790|
|For postdoc rates, please visit Resources & Cost of Coverage – JHU Human Resources|
Deductibles: A deductible is the amount you must pay annually before your insurance begins to pay. Students who are eligible for treatment and referral from a university provider may receive a reduced deductible for qualifying referrals. Consult with the insurance specialist at your school for further questions. Otherwise, both in-network and out of network have a deductible of $150 per person. Deductibles reset each plan year.
Out-of-Network Claims: A provider network is a list of health-care providers who are contracted by an insurance company and provide medical care to those enrolled in plans offered by that insurance company. The providers in the health insurance plan’s network are called “in-network providers”. Those providers who are out-of-network, may require additional costs.
Your Wellfleet network through Cigna has providers all over the country. However, if you need to go out-of-network, you can work with the SHWC to discuss claims processing and reimbursements. See the Wellfleet Student Health Benefits Plan for coverage percentages for in-network and out-of-network coverage as the percentage of coverage may differ.
Mental Health Support
Students enrolled in the following schools are also eligible for short-term mental health support from the Johns Hopkins Student Assistance Program (JHSAP).
Students enrolled in the following schools are eligible for short-term mental health support from the JHU Counseling Center.
Students enrolled in the following schools are eligible for mental health support from UHS Mental Health.
As of 7/1/2023 dental coverage is available from Delta Dental for all benefits eligible JHU students.
|Services||Student Plan Allowances*|
|Plan Year Deductible (waived for preventive services)||$50 individual/ $150 family|
|Diagnostic & Preventive Services Exams, Cleanings, X-Rays, Sealants||80%|
|Periodontics (Gum Treatment)Covered under Basic Services||80%|
|Oral SurgeryCovered under Basic Services||50%|
|Major ServicesCrowns, Inlays, Onlays, Cast restorations, and TMJ||50%|
|OrthodontiaChildren up to age 19||50%|
|Orthodontia Maximum Allowance||$1,500 lifetime|
*Reimbursement is based on PPO contracted fees for PPO dentists, Premier contracted fees for Premier dentists, and program allowance for non-Delta Dental dentists.
For more information about benefits or to access a complete list of in-network providers near you, visit Delta Dental’s website or call 800-932-0783.
Dental Plan Enrollment
All eligible students and learners have access to vision and dental plans. If you are a PhD student, postdoctoral fellow, resident, or intern and your department currently pays the premiums for your medical insurance, you will also receive vision and/or dental at no additional charge, and you will be automatically enrolled in the plan(s). To retrieve your ID card and/or search for a provider, visit deltadentalins.com and register with your student ID as your member number.
All students now have access to vision and dental plans. To retrieve your ID card and/or search for a provider, please visit deltadentalins.com and register with your student ID as your member number. Check out a step by step login guide here: PDF Document: Delta Dental First Time Login Guide
A vision plan is also available from EyeMed for students across the university who are benefits eligible.
If you are a PhD student and your department currently pays the premiums for your medical insurance, you will also receive vision and/or dental at no additional charge, and you will be automatically enrolled in the plan(s). To retrieve your ID card and/or search for a provider, please visit eyemed.com and register with your student ID as your member ID.
JHU students have the option to enroll in vision coverage each year through EyeMed. EyeMed has a national network of independent and retail providers and the plan is designed to be easy to use.
|Services||Student In-Network Cost||Out of Network Reimbursement Maximum|
|Vision Exam (with dilation)||$10 copay||Up to $45|
|Frames (any available at provider location)||$0 copay; $100 allowance; 20% off balance over $100||Up to $80|
|Contact Lenses |
Conventional or Disposable
Medically Necessary (Contact lens allowance includes materials only)
|$0 copay; $115 allowance; 15% off balance over $115 |
$0 copay; paid in full
|Standard plastic lenses |
|$25 copay |
|Standard Progressive |
|$90 copay |
For more information about benefits or to access a complete list of in-network providers near you, visit eyemed.com or call 866-804-0982.
Vision Plan Enrollment
All students now have access to vision and dental plans. You can enroll in the vision plan from July 1 to September 15 each year. Coverage will begin on August 15. If you are new to JHU for the Spring semester, you will be able to enroll until February 15 with coverage beginning on January 1. To retrieve your ID card and/or search for a provider, please visit eyemed.com and register with your student ID as your member ID. PDF Document: You can view the EyeMed summary of benefits here.