Insurance & Referrals
Haverford College requires all full-time students to maintain health insurance coverage throughout the academic year. Having a health insurance requirement protects students from unexpected high medical costs and provides them with access to quality care.
Haverford College will automatically enroll any eligible students into the school-sponsored Student Health Insurance Plan (SHIP) through https://rcmdstudentbenefits.com/ each academic year that does not complete an insurance waiver.
Each year, all students are automatically billed the SHIP premium charge by the Controller's Office. Please allow 3-5 business days to see the SHIP charge removed from the tuition bill once the student has "waived" out. If you have any questions regarding SHIP billing, please contact, please contact Avery Thomas.
Once you are enrolled in the plan, there are no refunds or cancellations after the deadline, except for ineligibility or entry into the armed forces. The Policy is a Non-Renewable One-Year Term Policy and does not guarantee enrollment in the next policy year.
If you choose to use your own health insurance, it is important to determine the adequacy of your health care plan for the Metropolitan Philadelphia Area. Additionally, if your coverage is with an HMO, please know that Health Services is unable to provide a referral to a specialist. If services out of your geographical area are not covered, such as “out of state” Medicaid plans or Kaiser Permanente specifically you may want to think about obtaining the Haverford College sponsored plan. More detailed information is available for review at https://rcmdstudentbenefits.com/
We ask that all students, along with their families/guardians, make a careful and informed decision about your health insurance needs. Your good health, well-being, and academic success are important to all of us at the Student Health Center. If you have questions or require further information, please call RCM&D at 1-800-346-4075 or contact Haveford.College [at] rcmd.com.
- United Healthcare Student Resources (SHIP or Student Health Insurance Plan) premium for 2023-2024 is $2,469.00 Policies are administered yearly (Aug 1. – July 31.)
- Compass is Pennsylvania's Medical Assistance program, providing you and your family with many health care options. Medicaid is available for college students residing in the state of Pennsylvania for more than 30 consecutive days. PA may require a letter verifying your full-time status for Medicaid applications.
- Pennie is Pennsylvanian's insurance marketplace and provides individuals and families with the ability to shop for high-quality health care plans and easily apply for financial assistance.
- Employer plans (for eligible employed students) are a great option for those who do not have a high deductible and have in-network coverage in the Philadelphia metro area.
Student Health Insurance Plan (SHIP)
The Student Health Insurance Plan (SHIP) will continue to be provided by RMC&D. The plan is ACA compliant and includes access to a national network of health care providers. You can easily search for in-network providers from the UHCSR school page, "My Account" or view in-network dentists.
Questions? Call RCM&D at 1-800-346-4075 or contact Haveford.College [at] rcmd.com. These questions will receive a response within 48 to 72 hours.
Fall Open Enrollment
- 6/1/23- 8/4/23
Fall Enrollment Deadline is August 4, 2023. You or your dependents will not be eligible to enroll again until the start of next Fall unless you experience a “Qualifying Life Event” during the year.
Returning students will have access to enroll or waive coverage effective 6/1/23. First-year students will have access starting 6/6/23.
Spring Open Enrollment
Spring Enrollment Deadline is TBD, you or your dependents will not be eligible to enroll again until the start of next Fall unless you experience a “Qualifying Life Event” during the year.
Qualifying Life Events
- Acquiring a new family member
- Marriage/civil union
- Loss or change of job
- Expiration of benefits
All documents and payment must be received within 30 days of the qualifying life event. Please contact RCM&D at 1-800-346-4075” or email at Haveford.College [at] rcmd.com to process your Qualifying Life Event.
Eligibility for Enrollment
Haverford College will automatically enroll any eligible students into the school-sponsored SHIP each academic year that does not complete an insurance waiver. Students must register for classes in order to complete the Enrollment or Waiver Process. All registered International students are required to purchase SHIP at registration and the premium for coverage is added to their tuition bill. International students do not have to enroll or waive SHIP, they will be automatically enrolled. Action is required to upload the insurance card to the HaverHealth Portal by August 4, 2023.
Cost and Benefits
Fall SHIP Rates
- Dates of Coverage: 8/1/23-7/31/24
Spring SHIP Rates
- Dates of Coverage: TBD
Certificates, Flyers, and Summary of Benefits & Coverage (SBC)
To complete the Enrollment or the Waiver process, please go to https://rcmdstudentbenefits.com/ select Haverford College, click on either the Enroll Now - Health Insurance or the Waiver Your School's Health Insurance button and follow the directions. Once you are enrolled in the plan, there are no refunds or cancellations.
Hard Waiver Students
Open Enrollment Periods for all Dependents and Hard Waiver Students: If you are a hard-waiver student and you fail to waive coverage before the August 4, 2023 deadline, you will be enrolled automatically and responsible to pay Haverford College for this annual coverage that was purchased on your behalf.
If you have eligible Dependents in the fall or, are a student in the fall semester and eligible to purchase coverage and you choose not to enroll for coverage before the Fall Enrollment Deadline of August 4, 2023 , your Dependents or you, will not be eligible to enroll again until the start the next fall unless you experience a Qualifying Life Event (QLE) during the year.
A waiver is offered to students who already have health insurance coverage on their own or through a parent/guardian, as applicable.
Insurance Card Requirement
Students insured with SHIP will receive emailed instructions on how to create a "MyAccount" and access their electronic ID card. From their MyAccount at https://rcmdstudentbenefits.com/ website, ID cards can be downloaded, faxed, emailed or printed.
Upload the insurance card to your HaverHealth Portal by August 4, 2023 to avoid the $75.00 late fee.
Vision & Dental
Please contact your health insurance provider to verify in-network coverage. Students under 19 years of age that are enrolled in SHIP will also have pediatric dental and vision benefits included. However, on the day they turn 19 years old the pediatric benefits are no longer available.
Health Services will redirect the student to contact their insurance provider to determine if local specialists are in-network. Healthgrades evaluates hospital quality for conditions and procedures based solely on clinical outcomes to help consumers understand, compare and evaluate hospital performance.