Student Health Insurance - Academic Year 2007-2008 NEW !!!

Starting Academic Year 2007-2008 the Student Health Insurance Plan will be administered by The Chickering Group. The Chickering Group is part of Aetna, a leader in the insurance industry with a strong knowledge of healthcare and an expansive network of physicians, hospitals and other health care providers. Refer to Eligibility Information [PDF], Brochure [PDF] or for more information, contact:

Rutgers, The State University of New Jersey
Office of Student Insurance
Hurtado Health Center - First Floor Lobby
11 Bishop Place
New Brunswick, NJ 08901-1180
(732) 932-8285
(732) 932-7402, Ext. 236 or Ext. 266

Health Services Plus Plan

The Health Services Plus Plan is designed to support the Health Centers by providing benefits for such services as some labs tests, referrals to specialists and Emergency Room visits. This plan is an excess plan and is secondary to a parent’s or spouses insurance plan.

Any other health insurance coverage is primary

Maximum benefit of $5,000 per illness or injury

Covers hospitalization and certain outpatient services for covered illnesses or injuries

Full - Time Students

• Full-Time students are automatically enrolled in the Health Services Plus Plan and have access to the Rutgers University Health Centers. (The mandatory fee is included in the College Fee on your tuition bill).
• Coverage for Fall begins September 01, 2007, and coverage for Spring begins January 21, 2008.
• The Chickering Group accepts credit card payments online or by check. The check and the Application Form [PDF] for full time students and their dependants should be made payable and mailed to:

Chickering Benefits Planning Agency Inc.
P O Box 15706
Boston, MA 02215-0014

Part - Time Students

Part-Time students who wish to utilize the Rutgers University Health Centers may purchase the Health Services Plus Plan.

The application and fees can either be submitted online or through the Office of Student Insurance at the address above. The check should be made payable to Rutgers University. The 2007-2008 per semester fees are as follows:

New Brunswick / Piscataway Students - $164.25
Newark Students - $140.50
Camden Students - $167.75

Part-Time students can also enroll online and pay by credit card

Optional Additional Coverage - Student Health Insurance Plan

• Health Services Plus Plan must be purchased in order to be eligible for the Student Health Insurance Plan I or II
• Available in the amount of $100,000 or $250,000 per illness or injury refer to rate chart for costs
• May be purchased for a student or their spouse, domestic partner, or dependent children
• Payment of benefits begins after the Health Services Plus Plan benefits have been paid and when the $250 deductible per illness or injury has been satisfied
• Student Health Insurance Plan then pays 80% of the usual and customary charges up to $10,000 of incurred covered medical expenses and 100% of additional covered medical expenses not to exceed the policy maximum
• To maximize benefits, it is recommended that the Rutgers University Health Centers be utilized when feasible
• There are limitations and exclusions to this plan, kindly refer to the certificate [PDF]. For instance, the policy specifically excludes coverage for the treatment of allergies or acne and related prescriptions. There are no insurance benefits for routine vision care, dental treatment or birth control
• The Chickering Group accepts credit card payments online or by check which should be made payable to the Chickering Benefits Planning Insurance Agency Inc. and mailed to along with the completed Application Form [PDF] :

Chickering Benefits Planning Agency Inc.
P O Box 15706
Boston, MA 02215-0014

• It is the student's responsibility for timely renewal payments whether or not a renewal notice is sent
• Dependant coverage is only available if student is insured
• Dependant must have the exact same coverage option as the student
  

  Claims
  

  Claims must be submitted to:

  Chickering Claims Administrators
  P O  Box 15708
  Boston, MA 02215-0014
  

  Payment will be made directly to the provider unless bill receipts and proof of payment are submitted. An Explanation of Benefits (EOB) will be mailed to you when a claim is processed.
  

  If you have primary insurance, the itemized bill and the primary EOB needs to be submitted to the above address.
  

  If you were a student in Academic Year 2006-2007 or previously and have an eligible claim with Mega Life and Health, some bills might still need to be submitted to Mega Life and Health for a continuing condition. The staff at the Student Insurance Office will assist you in that situation.
  

  Dental and Vision Plan
  

  Vital Savings Dental and Vision is being offered to Rutgers students. Dental and vision services were provided by participating providers at a significant discount. It put important dental and vision care within affordable reach. This year the program has been expanded to include discounts not only on Dental and Vision but also discounts on Fitness and Alternative Health Care. The cost is $25 for students for annual membership September 01, 2007 through August 31, 2008. For complete details and instructions on how to enroll visit http://www.chickering.com/schools/rutgers .

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Personal Property Insurance - Academic Year 2007-2008 NEW

If a student's personal belongings brought on campus are not covered under the homeowner's or tenants policy, Personal Property Insurance should be purchased. A policy designed especially for students, underwritten by Harleysville Insurance Companies through their brokers Haylor, Freyer and Coon Inc. Please visit HF&C's website for a detailed brochure, [PDF] policy coverage details [PDF], premium and online enrollment. They offer $50 or $100 deductibles for coverages ranging from $2,000 to $20,000.

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International Travel Health Select Overseas Insurance 2007-2008 NEW

Health Select Overseas Insurance

Starting July 1st 2007, Rutgers students enrolled in the Study Abroad program will be automatically covered by the Health Select Overseas Insurance provided by HTH Worldwide Services. Other students who are planning to travel overseas and not enrolled through the Rutgers Study Abroad Office Programs must contact Department of Risk Management and Insurance to enroll in this coverage

Covers any injury or illness up to $100,000

There is a $0 deductible for each injury or illness claimed

Pre-existing conditions or non-essential services (e.g. dental cleaning, acne treatments, check-ups etc.) are not covered

Rutgers has made this policy available for purchase from HTH Worldwide Services, Inc. for $28 per month per student which will cover you during program dates . To enroll, you must complete the HTH Roster Template Form [MS-Excel] and email it to Diana Kennedy (dianaken@rci.rutgers.edu) of our office along with a check made payable to Rutgers, The State University of New Jersey for $28 x no. of months you will be overseas.

The enrollment roster and the payment must be received by our office at least 2 weeks prior to the trip departure.

Upon enrollment students will receive a confirmation email from HTH along with details to print out an ID card and access HTH Worldwide's online resources.

For detailed information on the Health Select Overseas Insurance program, refer to the HTH Brochure. [PDF] You may contact the Department of Risk Management and Insurance with any questions about enrollment or HTH Worldwide Inc. at 1-888-350-2002 with questions about coverage.

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International Travel Registration for Graduate Fellows

Prior to the departure, all Graduate Fellows should keep The Graduate School New Brunswick informed by completing the Online International Travel Registration Form .

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