Rutgers Student Health Insurance: Everything You Need to Know

College students often overlook the importance of having health insurance, unaware of the high healthcare costs that may arise during their academic journey. Rutgers University understands this concern and offers a comprehensive health insurance plan for its students. In this article, we will discuss everything you need to know about Rutgers student health insurance, including coverage, benefits, costs, and more.

What is Rutgers Student Health Insurance?

Rutgers Student Health Insurance is a health insurance plan that covers students enrolled in the university. The plan is designed to provide financial protection in the event of medical emergencies and helps students access quality healthcare services throughout their academic career.

Coverage

The Rutgers student health insurance plan provides coverage for a wide range of medical services, including but not limited to:

The plan also covers mental health and substance abuse treatment, preventive care services, and maternity care. However, certain services such as dental and vision care are not covered.

Benefits

The Rutgers student health insurance plan offers a number of benefits to its members, including:

1. Access to a wide network of healthcare providers
2. No deductible for in-network services
3. Low copayments for most services
4. No annual or lifetime limits on coverage

In addition, the plan provides access to 24/7 telehealth services, which allow students to consult with a doctor or nurse practitioner for non-emergency medical issues from the comfort of their own home.

Costs

The cost of the Rutgers student health insurance plan varies depending on a student’s enrollment status and the coverage period. The annual premium for the 2021-2022 academic year is $3,052 for undergraduate students and $4,424 for graduate students. The premium is added to a student’s term bill and can be paid in installments.

It’s important to note that students who have comparable health insurance coverage may waive the Rutgers plan by submitting proof of their coverage before the deadline. Waiving the plan will result in a credit on the student’s term bill.

FAQ

Do I need to enroll in the Rutgers student health insurance plan?

No, enrollment in the Rutgers student health insurance plan is optional for domestic students. However, international students are required to have health insurance that meets certain minimum standards set by the university.

Can I waive the Rutgers student health insurance plan?

Yes, students who have comparable health insurance coverage may waive the Rutgers plan by submitting proof of their coverage before the deadline. Waiving the plan will result in a credit on the student’s term bill.

What if I need medical care when I’m not on campus?

The Rutgers student health insurance plan provides coverage for medical services acquired both on and off campus. However, it’s important to note that using healthcare providers outside of the plan’s network may result in higher out-of-pocket costs.

What if I have a chronic condition that requires ongoing care?

The Rutgers student health insurance plan covers a wide range of medical services, including those related to chronic conditions. Students with complex medical needs may also benefit from case management services provided by the plan, which help coordinate their care and ensure they receive necessary services.

What if I have additional questions about the Rutgers student health insurance plan?

Students can visit the Rutgers Student Health Insurance webpage for additional information about the plan, including coverage details, benefits, costs, and enrollment instructions. Students can also contact the Health Insurance office at 848-932-8289 or studenthealthinsurance@rci.rutgers.edu with any questions or concerns.

In conclusion, having health insurance is a crucial aspect of ensuring your physical and financial well-being throughout your academic journey. With the Rutgers student health insurance plan, you can access quality healthcare services and protect yourself from unexpected medical expenses. We hope this article has provided you with the information you need to make an informed decision about your health insurance coverage as a Rutgers student.