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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 purchase the JHSPH Student Heath Plan, administered by EHP, and are not allowed to waive out of purchasing this health insurance plan. International Students with this visa status will be automatically enrolled into EHP health insurance effective in their 1st Term of enrollment.  

JHSPH 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 full-time Bloomberg School students are required to have health insurance coverage and are automatically enrolled in the Student Health Plan unless they provide proof comparable coverage and submit a waiver. Enrollments and waivers are done in SIS during open enrollment.

Monthly Insurance Premium Rates

Academic Year 2021-2022  (effective July 1, 2021):

  • Individual: $363.00 every month
  • 2-Party: $902.00 every month
  • Family: $1,210.00 every month

Statement on 2021-22 EHP Premium Increases

Annual Deductibles (what you have to pay out of pocket before your insurance coverage pays anything):

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

Billing

Your monthly premiums are posted to your student 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

Waiving coverage

Students opting to waive health insurance by providing proof of comparable coverage will have their waiver in full force and effect throughout the duration of their enrollment at the School. Comparable coverage must provide a minimum of $250,000 in coverage for all medical costs and must be applicable for use in the State of Maryland. 

Waivers are submitted online in SIS (Personal Info > Student Insurance Benefits) during Open Enrollment.

Students who initially waive coverage may subsequently enroll in the Student Health Plan as needed. 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.  (Effective July 1, 2021). 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 2021-22 (effective July 1, 2021)

  • Individual: $374.00
  • Two-Party: $924.00
  • Family: $1,232.00 

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 7/1/2021)

  • $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 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. 

DENTAL PLAN COMPARISON (2 PLANS OFFERED)

Deadlines for new student enrollment:

  • Summer deadline: July 10 (with coverage effective date of 08/01/2021)
  • Fall deadline: September 10 (with coverage effective date of 10/01/2021)

Deadlines for continuing student enrollment:

Continuing students must enroll from July 1 to June 30, 2021 to avoid interruption in coverage.

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.