Student Health Insurance - Academic Year 2008-2009

The Student Health Insurance Plan is offered through Aetna Student Health, a leader in the insurance industry with a strong knowledge of healthcare and an expansive network of physicians, hospitals and other health care providers. For more information refer to the Brochure [PDF] and the information provided below.

Any other health insurance coverage is primary

Maximum benefit of $5,000 per condition

Covers hospitalization and certain outpatient services for covered conditions

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, 2008, and coverage for Spring begins January 20, 2009 and ends August 31, 2009
  
  
• For insurance purposes, full time status is defined as 12 credits per semester for undergraduate students and 9 credits per semester for graduate students
  

Part - Time Students

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

Students may enroll online using a Visa or a Mastercard at the Aetna Student Health website. (This is the preferred method). Hard copies of the application are available at the Office of Student Insurance. The fees per semester for Academic Year 2008-2009 are as follows:

New Brunswick / Piscataway Students - $171.25
Newark Students - $141.75
Camden Students - $172.75

Students must be registered for at least 1 credit per semester in order to be eligible to purchase student insurance

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 (Plan I) or $250,000 (Plan II) per illness . The policy effective dates are September 1, 2008 to August 31, 2009

Plan I or Plan II can be purchased only in the open enrollment period of each semester unless there is a change in life event affecting your insurance coverage such as loss of insurance coverage through a job, or you reached the age limit on your current policy
Both Plan I and Plan II provide benefits for covered medical services after a $250 deductible per condition has been satisfied. The 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 [COMING SOON]. For instance, the policy specifically excludes coverage for the treatment of allergies or acne and related prescriptions

Coverage for Spouse and Children


The Health Services Plus Plan I or Plan 2 can be purchased for your spouse, domestic partner, and dependent children. The spouse or dependent coverage would need to be the same plan as the student. The fees for the spouse and dependents are available online at Aetna Student Health website.

How to Submit Claims


Present your Aetna Health insurance card to the provider when you are receiving services. Most providers will submit the bills to Aetna Student Health directly. If they do not, itemized bills (with the providers name, address, tax ID, diagnosis code, and procedure code, date of service and amount billed) can be submitted to Aetna at the following address:

Aetna Student Health
P O  Box 15708
Boston, MA 02215-0014
877-381-3552


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.


Dental Insurance Plan


This year there is a new dental insurance plan. With the Dental Advantage plan, members choose a participating primary care dentist and have most of their preventative and restorative services covered by a copayment for each visit. The cost of the Dental Advantage plan is $207 for the year.

Also available is a dental discount plan. Vital Savings plan by Aetna is a discount program helping you save an average of 15-50% on a wide array of dental serves with one low annual fee of $25 per person. Members pay for the services at participating providers, but the fee is discounted.

Additional Discount Programs


• Aetna Vision Discount Program
• Aetna Fitness Discount Program
• eDiets
• Zagat Survey Healthy Dining
• SpaWish Gift Certificate
• Mayo Clinic Bookstore
  

More information about the discount programs can be obtained on Aetna Student Health's website.

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Personal Property Insurance - Academic Year 2008-2009


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


Health Select Overseas Insurance


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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Last Updated: 8/22/2008

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