Eligibility & Plans

Wellfleet

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
• KKI
• 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

ID Cards

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)

Insured	Cost
Medical: Student	$3,116
Medical: Student & 1 Dependent	$6,232
Medical: Individual & Family (2+)	$7,790
For postdoc rates, please visit Resources & Cost of Coverage – JHU Human Resources

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.

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
• BSPH
• CBS
• EP
• SOE
• SOM
• SON
• SAIS

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

• KSAS
• Peabody
• WSE

Students enrolled in the following schools are eligible for mental health support from UHS Mental Health.

• BSPH
• SOM
• SON

Delta Dental

Services	Student Plan Allowances*
Annual Maximum	$1,500
Plan Year Deductible (waived for preventive services)	$50 individual/ $150 family
Diagnostic & Preventive Services Exams, Cleanings, X-Rays, Sealants	80%
Basic ServicesFillings	80%
Endodontics	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

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 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.