New Jersey Family Care (NJFC)

Procedures on waiving the Student Health Insurance Plan with New Jersey Family Care (NJFC)

There are several steps to follow with the process of using New Jersey Family Care (NJFC) to waive the Student Health Insurance Plan (SHIP) at Rutgers University each semester. If you have applied recently or intend to apply soon for NJFC, please be aware of the Rutgers Student Health Insurance waiver deadline and the NJFC application processing time. Open enrollment ends for: Fall 2020--September 15, 2020; Spring 2021--February 03, 2021. We cannot extend the waiver deadline date for the Rutgers Student Health insurance.

If you have your NJFC health insurance card, go to before the deadline to complete the waiver form.

Visit to verify the application procedures and timeline. We were informed by NJFC that the process takes at least 60–90 days after submitting an application. If your application was not approved before the deadline and you do not have other coverage, you will be automatically enrolled after the deadline and will be responsible for the nonrefundable premium. Apply early to NJFC to get enrolled and meet the waiver deadline for the Rutgers Student Health Insurance!

Once you have completed your application with NJFC you will receive a letter from them thanking you for your application and that they have received your information. During the application review, NJFC might contact you for additional information. You should respond as soon as possible to these requests to keep your application moving through the process. NJFC will send you a final letter stating your eligibility and effective date of coverage and that your Health insurance information will follow. The effective date of coverage must show September 1, xxxx to be eligible to waive for the Fall semester, and February 1, xxxx to be eligible to waive for the Spring semester.  The above is only a guideline, the process could have different pieces for your particulary case.

  • If you receive your health insurance card between the dates shown below, you will complete an appeal form at
    • 09/16/20 - 11/30/20 for Fall 2020
    • 02/04/21 - 04/30/21 for Spring 2021
    • During the time stated in the two previous bullet points you will be enrolled in the Student Health Insurance Plan and the premium will be posted on your term bill.
    • If you use the SHIP during the first two bullet points then you will not be able to waive the SHIP for that semester. 

Please allow 4 business days after you receive the waiver form confirmation number for the premium to be removed from the term bill.

You must waive or enroll each semester before the deadline at

All correspondence to our office regarding the above procedures must be via email to and not by phone. Allow time for processing.