Dependent Health Insurance Plan (DHIP) 2009-2010

The Dependent Health Insurance Plan (DHIP) is a voluntary plan which provides medical and dental benefits for eligible dependents of students enrolled in SHIP.

An eligible dependent is the insured student's 1) legally married spouse who resides with the student or an insured student's Domestic Partner; or 2) child who is dependent upon the student for support and maintenance and is under the age of 19 (23 if a full-time student).

Coverage for eligible dependents will not be effective prior to that of the insured student, or extend beyond that of the insured student. Enrollment/re-enrollment in DHIP is not automatic. Eligible dependents must be re-enrolled each subsequent quarter in order to continue coverage under DHIP.

       2008-2009 Coverage Dates and Enrollment Deadlines

Quarter Coverage Dates Enrollment Deadline
Fall 2009 9/21/09 to 1/1/10 10/21/09
Winter 2010 1/1/10 to 3/25/10 2/1/10
Spring 2010 3/25/10 to 6/14/10 4/25/10
Summer 2010 6/14/10 to 9/20/10 7/14/10

Coverage becomes effective at 12:01 a.m. on the first date of the applicable term if the enrollment form and premium are postmarked before this date. If the enrollment form and premium are postmarked on or after the first date of the applicable plan term, coverage will be effective at 12:01 a.m. on the date immediately following the date on which the enrollment form and premium are postmarked.

For dependents who are continuing coverage under DHIP, coverage becomes effective at 12:01 a.m. on the termination date of the previous term of coverage, provided the enrollment form and premium are postmarked before the enrollment deadline date for that term. Please refer to the DHIP brochure "Terms of Coverage" for more details.

Enrollment forms will not be accepted after the enrollment deadline.

You can enroll dependents online with a credit card, see the DHIP brochure and the dependent enrollment form, get more detailed information on dependent coverage, and get coverage terms at the website: http://www.renstudent.com.

Other resources for dependent healthcare can be found here.

Costs of 2009-2010 DHIP

Cost of Undergraduate Dependent Coverage per quarter:
  • Spouse or Domestic Partner $844.00
  • Child(ren) $565.00

Cost of Graduate, Medical and Pharmacy Dependent Coverage per quarter:
  • Spouse or Domestic Partner $1505.00
  • Child(ren) $831.00

Plan Highlights for 2009-2010 DHIP

  • Incorporated pre-certification and continued stay review for inpatient stays, and pre-certification for surgery. Penalties apply for non-compliance (see page 9 of the SHIP brochure for complete details).
  • Separated deductible: $300 for outpatient and $300 for inpatient.
  • Office visit copay is $15.00.
  • Emergency room copay is $50.00.
  • Prescription reimbursement for non-SHS, non-formulary drugs is 50%.
  • Plan Year maximum: $30,000 per illness or injury.
  • Dental: 1st prophylaxis at 100%, deductible waived. 2nd prophylaxis remains at 80%, after deductible.

Please refer to the DHIP brochure for a complete explanation of the benefits, exclusions and plan provisions.

Refer to SHIP TIPS & FAQs for Frequently Asked Questions about how to file a claim.