Health Benefits and Insurance
Student Health Insurance
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.
The School’s plan is provided by Employer Health Programs (EHP). Please visit The JHU Student Health Plan website for Plan details.
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
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
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
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.
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)
- You must visit a Concordia Plus general dentist to receive coverage
- Your general dentist will refer to you a specialist if necessary
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)
- $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.
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.
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
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.