The University offers
a group health insurance plan to all university and English Language
Center students, the Towson Student Health Insurance Plan (SHIP). It
works as a point-of-service plan with the Dowell Health Center (DHC),
which acts as the student's primary care provider (PCP) while the
student is at Towson. Covered services and medications dispensed at
DHC are billed directly to the insurance plan with the student
paying only a co-pay. Outside referrals to specialists, diagnostic
testing facilities, etc. are covered at 80% if in-network providers
are used and a referral is made by a DHC provider. Outside
prescriptions filled in participating pharmacies are covered at 100%
after a generic or brand-name co-pay. For more details, see the
Student Health Insurance Plan below.
Parents: Make an informed decision on health insurance
for your student. Check out this Webinar!
Insurance Requirement for International Students
International Students on F and J VISAS or any other temporary
visas that are not employment-related are REQUIRED to carry health insurance
by federal law and university policy. They will be enrolled
automatically into the Towson
Student Health Insurance Plan and the premium charge
will be placed on their tuition account.
To obtain an exemption from enrollment in the Towson
Student Health Insurance Plan, the
student must file a waiver application their first term at
Towson and every fall term thereafter documenting alternative
insurance coverage that meets the University's minimum insurance
standards. The waiver application must be filed by the deadline or
will not be considered. Once the waiver is approved, the charge is
removed from the student's bursar account. For more details, click
on the links below.
Intercollegiate athletes and students in certain health
professional programs are required by their department to have
health insurance. The Towson
Student Health Insurance Plan will
satisfy that insurance requirement.