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Office of Student Affairs

Health Benefits and Insurance

Student Health Insurance

EFFECTIVE JULY 1, 2022:

All International Students with an F1/J1 visa status are required to be enrolled in the JHSPH Student Heath Plan, administered by EHP, and are not allowed to waive out of enrollment. The effective date of coverage will be the first term in which the student matriculates into a degree program. 

Student Health Plan

The School’s plan is provided by Employer Health Programs (EHP). Please visit the JHU Student Health Plan website for Plan details. 

All Bloomberg School students enrolled in a full-time degree program are required to have health insurance and are automatically enrolled in the Student Health Plan.

Monthly Insurance Premium Rates

Academic Year 2022-2023  (effective July 1, 2022):

  • Individual: $378.00 every month
  • 2-Party: $938.00 every month
  • Family: $1,258.00 every month

Annual Deductibles 

  • Individual = $150.00
  • Two-Party, Parent-Child, Family, etc. = $450.00

Billing

Your monthly premiums are posted to the student's account on a term basis.

  • July-August: Summer Term
  • September-October: 1st Term
  • November-December: 2nd Term
  • January-March: 3rd Term
  • April-June: 4th Term

Open Enrollment Periods

The Bloomberg School has two Open Enrollment Periods: June 1 thru July 30 for students matriculating in Summer Institute or Summer term; and August 1 thru September 30 for continuing students and new matriculating in Term 1. Enrollment changes and waivers are done in SIS during Open Enrollment. Benefit election or changes cannot be made outside of Open Enrollment unless there is a Qualified Life Event. 

Waiving coverage

Students with a waiver option can waive enrollment during Open Enrollment. Approved waivers are in effect for the academic year and must be submitted each year. Proof of current enrollment in a comparable plan is required. Alternate providers must provide coverage for medical services in the State of Maryland in order to be considered an acceptable alternate. International students on a J1/F1 visa, PhD students in years 1 thru 4, and Postdoctoral Fellows do not have a waiver option.  

Waivers are submitted online in SIS (Personal Info > Student Insurance Benefits) during Open Enrollment. Gallagher Student Health reviews and approves or denies waivers. 

Students who initially waive coverage may subsequently enroll in the Student Health Plan due to a Qualifying Life Event. Students must notify the Student Accounts Office by submitting a SEAM Online Form if current coverage expires or changes.

Termination of coverage

Students are responsible for notifying Student Accounts and Business Services when they wish to terminate their coverage, regardless of the source of funding. If a student is no longer enrolled in the School or has graduated, the student will be notified in writing that their coverage will be terminated. Notification of termination must take place no later than 60 days from the date of termination (coverage will be retroactive). Students have the right to continue these benefits at their own expense for up to 18 months. Notifications must be sent using the SEAM Online Form.

University Health Services (UHS) clinic fee

In addition to meeting insurance coverage requirements, all full-time on-campus Bloomberg School students are billed a per-term health clinic fee for access to the on-campus UHS clinic. 

All full-time on-campus students are billed a $850.00 Health Clinic Fee for access to our on-campus health center.  The University Health Services Fee (UHS) is not insurance and students are billed the fee on a per-term basis ($212.50 per term) until the $850.00 is paid in full (after 4 terms).  

This fee grants students unlimited access to primary care services, including mental health services, at the center. Specific information pertaining to UHS Benefits can be found on the UHS Services and Benefits website.

Access to UHS services ceases on the one-year anniversary of payment of the clinic fee.

Students using COBRA are not eligible to use the UHS clinic.

COBRA

Extension of health insurance benefits is offered for up to 18 months to students who are separating permanently from the School under the Consolidated Omnibus Budget Reconciliation Act (COBRA). If a student elects to continue under COBRA, premiums will increase. Payment will be due the first of each month. 

Monthly rates for COBRA are as follows:

Academic Year 2022-23 (effective July 1, 2022)

  • Individual: $388.00
  • Two-Party: $960.00
  • Family: $1,280.00 

Students are responsible for 18 months of premiums unless they request early termination from the Student Accounts Office.

Student Dental Insurance

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

PLAN 1: DHMO (Benefits and Coverage)

Monthly Rates (effective July 1, 2022)

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

PLAN 2: ADVANTAGE PLUS PLAN (Benefits and Coverage)

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 Open Enrollment. The annual cost of dental coverage is posted to the student's account after election of coverage. Students cannot terminate their dental coverage once enrolled, and no refunds are available. 

DENTAL PLAN COMPARISON (2 PLANS OFFERED)

Learn about managing your dental plan via mobile app

Vision Discount Program

Participants in the United Concordia dental insurance plan also have access to the Davis Vision Discount Program.  This is NOT vision insurance coverage.  Davis provides dental plan participants with discounted eye exams, lenses, frames, and additional eye-wear options. Learn about the vision program here

Vision Insurance

All Bloomberg School students have access to vision insurance through.  Postdoctoral and doctoral students (in years 1-4 of their academic program) are automatically enrolled in the vision insurance plan with EyeMed.  

Master's-level students can also enroll for $59.00 per year per individual or family. Enrollment must be done during Open Enrollment. The annual charge for vision insurance is posted to the student's account after election of coverage. Students cannot terminate once enrolled and refunds are not given.