Eligibility & Plans

Medical

Eligibility for the JHU Student Health Insurance plan is based on school enrollment. These program types are described along with the applicable school affiliation. You will find additional information regarding each schools enrollment dates, rates, waiving process, and other areas of interest below.

Wellfleet

Wellfleet

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)

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.”

Students enrolled in KSAS, Peabody and WSE are eligible for health services from the Student Health and Wellness Center and SAIS students are eligible to receive health services from Georgetown University Student Health Services.

PDF Document: View Wellfleet Plan Brochure

ID Cards

A copy of your Insurance ID card will be available to print through your SIS account at the start of the plan period.

You can also create an account on the Wellfleet Portal to access your ID card.

Rates and Effective Dates for 2022-2023

  • The premium is $1,241 per semester and is charged to your student account.
  • For new students: The Student Health Benefits Plan is in effect from August 15 to February 14 for the fall semester. (Carey and School of Education students may have an earlier effective date based on the first day of orientation). If you are a new student for the spring semester, your coverage will begin on January 15.
  • For returning students: The Student Health Benefits Plan is in effect from August 15 to February 14 for the fall semester. Spring semester coverage begin on February 15 and ends on August 14.
  • Students graduating from the University in the Spring will have coverage though August 14. Students graduating in the Fall will have coverage through February 14.

Annual Cost of Coverage for 2022-2023 (Wellfleet)

Insured Cost
Medical- Student $2,482
Medical- Spouse/Domestic Partner $4,405
Medical- One Child $2, 037
Medical- Two or More Children $2,738

Plan Coverage

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. The Wellfleet plan year is August 15-August 14.

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).

  • AAP
  • CBS
  • EP
  • SOE
  • SAIS

Students enrolled in the following schools are eligible for short-term mental health support from the JHU Counseling Center.

  • KSAS
  • Peabody
  • WSE

Medical Leave of Absence – Extension of Coverage

Students are eligible to continue coverage under the Student Health Plan who take an approved medical leave of absence for up to 3 months at the medical leave of absence rate. For more information please review the PDF Document: MLOA Extension Request Process.

EHP

EHP

Students in the following programs are eligible for the EHP medical plan:

  • Bloomberg School of Public Health (BSPH)
  • School of Medicine (SOM)
  • School of Nursing (SON)

Students currently enrolled in the Student Health Program who are expected to graduate or permanently leave the University will receive written notification that they are automatically terminated from the plan. However, under the Consolidated Omnibus Budget Reconciliation Act (COBRA), students leaving or graduating from the University have the option of extending their existing coverage for up to 18 months. Students must contact the School of Medicine Registrar’s Office via email at sombenefits@jhmi.edu within 60 days to be reinstated in COBRA and are responsible for all premiums.

All full-time on-campus students are billed a Health Clinic Fee for access University Health Services, on-campus health center. The University Health Services Fee (UHS) is not insurance and students are billed the fee on a per-term basis. This fee grants students unlimited access to Primary Care Services as well as Mental Health Services at the UHS Clinic and is billed to all full-time on-campus students regardless of whether they are enrolled in the Student Health Plan.

ID Cards

ID Cards can be requested by visiting the EHP website.

Annual Cost of Coverage for 2022-2023 (EHP)

Insured Cost
Medical- Student $4,536
Medical- Two Adults (student & spouse/partner) or student and one child $11,256
Medical- Family (student and spouse/partner AND one or more children) $15,096

Plan Coverage

Deductibles: A deductible is the amount you must pay before your insurance begins to pay. Deductibles remain the same in or out of network. Please consult your plan details for impacts of in-network or out-of-network visits on out-of-pocket expenses, co-pays, and co-insurance.

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.

A covered member can download claim forms from the EHP website.

Mental Health Support

BSPH, SOM, and SON students are eligible for mental health support from UHS Mental Health or brief consultation with the Johns Hopkins Student Assistance Program (JHSAP).

Dental

Students eligible for medical coverage have the option to voluntarily enroll in Dental insurance. Dental coverage is available from Delta Dental for Carey Business School, Krieger School of Arts and Sciences, Peabody Institute, School of Advanced International Students, School of Education, Whiting School of Engineering, and School of Nursing. School of Medicine has dental coverage available through Carefirst. Bloomberg School of Public Health has dental coverage available though United Concordia. All postdocs are enrolled in the CareFirst dental plan. Additional information about the dental plans can be found below.

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 deltadentalins.com and register with your student ID as your member number.

Delta Dental

Delta Dental

JHU students have the option to enroll in dental coverage each year. The plan delivers benefits based on a table of allowances that provides a fixed dollar benefit for each dental service. Using a provider in Delta’s network reduces costs due to the negotiated fees.

Services Student Plan Allowances*
Annual Maximum $1,500
Plan Year Deductible (waived for preventive services) $50 individual/ $150 family
Diagnostic & Preventive Services
  • Periodic Oral Exam – established patient: $22
  • Bitewings (two diagnostic images): $30
  • Prophylaxis (cleaning): $65
Basic Services
  • Amalgam fillings, two surfaces: $65
  • Amalgam fillings, three surfaces: $81
Endodontics Root canal, (anterior – excluding final restoration): $310
Periodontics Periodontal scaling and root planning: $92
Oral Surgery Extraction, erupted tooth or exposed root: $60
Major Services Crown, porcelain fused to high noble metal: $276

*Allowances specified above represent only a few examples from your plan’s table of allowances.

For more information about benefits or to access a complete list of in-network providers near you, visit deltadentalins.com or call 800-932-0783.

Dental Plan Enrollment

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

Dental Plan

This plan offers reliable coverage for a low annual premium. You can visit any dentist to receive coverage. With this plan, you’ll know in advance how much is covered. Each procedure has an “allowance,” or set amount that Delta Dental will pay (if no deductibles or maximums apply). If your dentist charges over the allowance, you will be responsible for the remaining amount. To save the most, visit a Delta Dental PPO dentist. These dentists have agreed to reduced fees. PDF Document: View the Delta Dental table of allowances.

United Concordia (Bloomberg School of Public Health Students only)

United Concordia (Bloomberg School of Public Health Students only)

The School offers a choice of dental insurance plans administered by United Concordia.

PDF Document: Plan 1: DHMO

Monthly Rates (effective 7/1/2022):

  • $17.73—Subscriber Only
  • $35.47—Subscriber plus Spouse
  • $35.47—Subscriber plus children
  • $50.99—Subscriber plus Family (includes spouse)

PDF Document: Plan 2: Advantage Plus Plan

Monthly Rates:

  • $13.30—Subscriber only
  • $23.28—Subscriber plus spouse
  • $29.94—Subscriber plus child or children
  • $44.34—Subscriber plus family (includes spouse)

New students have the option of enrolling during in-person orientation activities. Coverage will be effective August 1 for students matriculating during the summer or October 1 for those matriculating during first term. Students cannot terminate their dental coverage once enrolled, and no refunds are available.

PDF Document: View this guide to compare dental plans.

Deadlines for new student enrollment:

  • Summer deadline: July 10 (with coverage effective date of August 1)
  • Fall deadline: September 10 (with coverage effective date of October 1)

Deadlines for continuing student enrollment:

  • Continuing students must enroll from July 1 to June 30 to avoid interruption in coverage.

CareFirst Dental (School of Medicine & ALL Postdocs/Fellows)

CareFirst Dental (School of Medicine & Post Doctoral Students only)

(M.D., Masters, Ph.D. candidates and Post-Doctoral Students only)

All students must be covered under the School of Medicine group dental plan administered by CareFirst BlueCross BlueShield. This coverage is available only to students and their children under age 19 who are enrolled in the Student Health Program medical insurance plan as required by the Affordable Care Act. Dental coverage is not available to the spouse or domestic partner of the student. Rates are subject to annual change.

Vision

A vision plan is also available from EyeMed for students across the university who are eligible to enroll in medical benefits.

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.

EyeMed

EyeMed

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
$92
$210
Standard plastic lenses
Single
Bifocal
Trifocal
$25 copay
$25 copay
$25 copay
$40
$60
$80
Standard Progressive
Tier 1
Tier 2
Tier 3
Tier 4
$90 copay
$110 copay
$120 copay
$135 copay
$60
$60
$60
$60

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 15. 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.