DISCLAIMER: These are voluntary benefit plans that Johns Hopkins University makes available to its employees through Marsh. Johns Hopkins University does not contribute to, or endorse any policy or service offered under the program. Johns Hopkins University's responsibility under these voluntary benefit plans is limited to coordinating payroll deductions for premium payments. If you choose to purchase any policies or services, your contract for coverage will be with each insurance company or plan provider, and your contact for policy servicing will be Marsh. You are under no obligation to purchase any of the voluntary policies or services offered through this site; you are also free to explore other options including purchase of policies or services directly from an insurance company or provider.