Paul Sanchez
Johns Hopkins University (JHU) offers a Wellfleet health insurance plan to full-time students, which they can purchase at their own expense. International students with an F-1/J-1 Visa are required to purchase this plan. Students can check their insurance benefits by logging into SIS and clicking on Personal Information, followed by Insurance Benefits. Students with private insurance coverage comparable to the university plan may be eligible to submit a waiver request form via the Student Information System (SIS). JHU providers participate with many commercial health insurance plans, but there are exceptions. Students can contact the insurer directly to confirm coverage of their specific physician or provider. It is important to understand the benefits and costs of one's health insurance plan and to be aware of any coverage limits or restrictions. For more information, students can visit the Student Health Benefits Plan page on the JHU benefits site or contact [email protected].
| Characteristics | Values |
|---|---|
| Email for queries | [email protected] |
| Website | https://advanced.jhu.edu/student-resources/student-services/student-health-insurance/ |
| Waiver request form deadline | July 15 for learners and September 15 for students |
| Coverage start date for students starting in summer | May 15, June 1, or July 1 |
| Insurance coverage | Emergency Services, care for illness, injury, chronic disease, preventive health, and health education |
| Enrollment | Self-enroll via the Academic Health Plans (AHP) portal |
| Enrollment fee payment | Credit card or ACH payment |
| Full-time students and their dependents' coverage | Dental and vision coverage |
| Enrollment in dental and vision coverage | Via the Academic Health Plans site |
| Insurance plan | Wellfleet health insurance plan sponsored by Johns Hopkins University |
| Insurance requirement | All full-time, degree-seeking students enrolled in at least one in-person course |
| Waiver criteria | Proof of comparable coverage |
| Waiver request form email | [email protected] |
| Customer service phone number | 410-424-4450 or 1-800-261-2393 |
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What You'll Learn
Enrolling in the JHU student health insurance plan
Johns Hopkins University (JHU) requires all full-time, degree-seeking students enrolled in at least one in-person course to maintain adequate health insurance to protect against unexpected accidents and illnesses. Most of these students are automatically enrolled in the university-sponsored student health insurance plan, known as the JHU Student Health Insurance Plan, and the premium is charged to their student account. This plan is provided by Wellfleet and is particularly important for students who are enrolled full-time, defined as taking at least three courses per semester.
However, students may waive the JHU Student Health Insurance Plan if they have comparable coverage and submit a waiver request form through the Student Information System (SIS) each academic year by July 15 for learners and September 15 for students. Coverage for students who start in the summer may begin on May 15, June 1, or July 1. Students will be notified by email about their coverage start date.
International students with an active F-1 or J-1 visa are not eligible to waive the JHU Student Health Insurance Plan and are required to enrol in it. New Fall students interested in enrolling in the JHU Student Health Insurance Plan may do so by self-enrolling themselves and their eligible dependents online via the Academic Health Plans (AHP) portal. To enrol, students can log in to SIS, click on Personal Information, then click on Insurance Benefits, and finally click on the blue button to log in to the AHP website. Students will have the option to pay AHP for coverage by credit card or ACH payment. After enrolling, students will receive a confirmation email from Academic Health Plans for their records.
Full-time students and their dependents are also eligible for dental and vision coverage, which can be enrolled in through the Academic Health Plans site. For up-to-date information on student health insurance options, students can visit the Student Health Benefits Plan page on the JHU benefits site or contact [email protected].
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Understanding waiver criteria and deadlines
At Johns Hopkins University, health insurance is a crucial aspect of student life, offering protection against unexpected accidents and illnesses. While most full-time students are automatically enrolled in the university-sponsored health insurance plan, there is an option to waive this plan if certain criteria are met. Understanding the waiver criteria and associated deadlines is essential for students seeking alternative insurance options.
Waiver Criteria
The primary criterion for waiving the university-sponsored health insurance plan is providing proof of comparable coverage. This means that a student's private insurance plan must offer similar benefits and meet the same standards as the university plan. For example, if a student's current health insurance plan is Medicaid, it must provide coverage for the state in which the student will reside during the upcoming semester. Additionally, international students with an active F-1 or J-1 visa are not eligible for a waiver and are required to enrol in the university plan.
Deadlines
To waive the university-sponsored health insurance plan, students must submit a waiver request form annually, even if their insurance information has not changed. The deadlines for these requests are July 15 for learners and September 15 for students. It's important to note that these deadlines are strict, and waivers will not be accepted after these dates. For students starting in the summer, coverage may begin on May 15, June 1, or July 1, and they will be notified by email about their specific coverage start date.
Additional Considerations
When considering a waiver, it's important to understand the financial implications. Students cannot use Federal Student Aid, such as loans, to cover the cost of the health insurance plan. Additionally, students are responsible for paying any deductibles and out-of-pocket expenses associated with their medical services. A deductible refers to the amount a student must pay before their insurance plan starts contributing, while out-of-pocket expenses include co-pays, deductibles, and co-insurance.
In conclusion, by understanding the waiver criteria, deadlines, and financial considerations, students at Johns Hopkins University can make informed decisions about their health insurance options and ensure they have adequate coverage during their academic journey.
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Contacting the JHU Student Benefit Team
To get in touch with the JHU Student Benefit Team, you can contact them via email at [email protected]. The team is available to answer any queries about your health insurance while at JHU.
If you are a new student at Johns Hopkins University, you may have questions about enrolling in a health insurance plan. Most full-time, degree-seeking students enrolled in at least one in-person course are automatically enrolled in the university-sponsored student health insurance plan, and the premium is charged to their student account. However, if you have private insurance coverage comparable to the university plan, you may be able to submit a waiver request form via the Student Information System (SIS) during the open enrollment period.
If you are an international student with an F-1/J-1 Visa, you are required to purchase the university-sponsored student health benefits plan and will be automatically enrolled with an effective date of August 15.
For new Fall students interested in enrolling in the university plan, you can self-enroll yourself and your eligible dependents online via the Academic Health Plans (AHP) portal. To process an enrollment or view your benefit options, log in to SIS, click on Personal Information, and then click on Insurance Benefits. From there, you will see a button to log in to the AHP website.
If you have any questions about the enrollment process, you can contact AHP Customer Service at 855-423-1678. Additionally, JHU offers monthly in-person benefits orientations and New Employee Benefits Orientations via Zoom to help you make informed decisions about your benefits.
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International student requirements
International students on an F-1/J-1 visa are required to purchase the university-sponsored student health benefits plan with Wellfleet and will be automatically enrolled. The insurance plan must offer medical coverage, emergency evacuation, and repatriation benefits. The cost of student health insurance within the US is more expensive when compared to coverage outside the US. The cost of international student insurance in the US ranges from $30 to $115 per month. The price depends on factors such as the student's age, coverage duration, medical benefits, deductible, and co-insurance. Students under the age of 20 can expect health insurance costs ranging from $32 to $460 per month, or $400 to $4,200 per year. The price increases with the student's age.
J-1 Exchange Visitors must maintain health insurance coverage that meets the minimum criteria set by the US Department of State for themselves and any J-2 dependents for the duration of their J-1 program. Medical benefits must be at least $100,000 per person per accident or illness, and the deductible should not exceed $500 per accident or illness. J-1 Exchange Visitors and their J-2 dependents may be subject to the requirements of the Affordable Care Act. It is recommended that J-1 Exchange Visitors secure a temporary/travel health insurance plan that begins the day of their arrival in the US and during the 30-day grace period following the program end date or until departure from the US.
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Knowing what's covered
Johns Hopkins University (JHU) offers a Wellfleet health insurance plan to students with full-time status, which is defined as taking at least three courses per semester. This insurance plan covers emergency services, prescription drugs, preventive services, wellness services, chronic disease management, and rehabilitative services and devices. It is important to note that students cannot use Federal Student Aid to cover the cost of this plan.
International students with an F-1/J-1 Visa are required to purchase the university-sponsored student health benefits plan and will be automatically enrolled. The insurance plan covers students while they are in the state they will be residing in for the upcoming semester. However, if a student has a Medicaid plan, it must provide coverage for the state they will be living in for the semester.
Full-time students and their dependents are also eligible for dental and vision coverage, which can be enrolled in via the Academic Health Plans (AHP) portal. After enrolling, students will receive a confirmation email from Academic Health Plans for their records.
Students who wish to waive the university-sponsored insurance plan must submit a waiver request form every academic year, even if their insurance information has not changed. The waiver deadlines are July 15 for learners and September 15 for students. Students must provide proof of comparable coverage to be approved for a waiver.
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Frequently asked questions
You can check your insurance coverage by logging into your HealthLINK portal. If you don't have an account, you can create one.
Yes, international students with an F-1/J-1 Visa are required to purchase the university-sponsored student health benefits plan with Wellfleet.
All full-time, degree-seeking students enrolled in at least one in-person course are required to have adequate health insurance. Most students are automatically enrolled in the university-sponsored plan, but you can opt-out if you have proof of comparable coverage.
You can contact the JHU Student Benefit Team at [email protected] or AHP Customer Service at 855-423-1678.
