Rutgers University Student Health Insurance

Do you need to WAIVE or ENROLL in the student health insurance plan?

​***YOU MUST WAIVE OR ENROLL EVERY SEMESTER***

Failure to waive by the deadline, even if you have other comprehensive coverage, will result in automatic enrollment in the plan and the student will be responsible for paying the premium EVEN IF YOU HAVE OTHER HEALTH INSURANCE COVERAGE.

Fall 2020 waiver deadline was September 15, 2020

  • Fall 2020 waiver appeals are no longer accepted.
  • Appeals deadline for Fall 2020 was 11/30/20.

Spring 2021 waiver/enrollment deadline is 02/03/21.

 

Rutgers University is pleased to present you with information about the Student Health Insurance Plan for 2020–2021 academic year. The Student Health Insurance Plan (SHIP) is serviced by University Health Plans (UHP) and underwritten by United Healthcare Student Resources (UHCSR). Rutgers University requires all Full-Time and all F and J Rutgers Visa Sponsored Students to have comprehensive health insurance and are required to waive or enroll in the SHIP each semester.

Fall 2020 and Spring 2021 waiver and enrollment website

 

Summer 2021 and Third Term 2021, Coverage period 05/26/21 - 08/14/21

  • New students registered for Summer:
    • your enrollment in the Student Health Insurance Plan (SHIP) is voluntary.
    • If you were a registered student for Spring 2021, the action you took at that time carries you through 08/14/21.
  • Third Term-Advanced Standing 
    • Students who are NEW for Third Term 2021 or were not a registered student in Spring 2021 are required to waive or enroll in the Student Health Insurance Plan (SHIP).
    • If you were enrolled for Spring 2021, the action you took at that time carries you through 08/14/21.
    • To waive or enroll in the SHIP, go to www.universityhealthplans.com  .

How do I waive or enroll in the student health insurance?

CONTACT INFORMATION
Waiver/Enrollment University Health Plans (UHP)

800-437-6448

info@univhealthplans.com

BENEFITS University Health Plans (UHP)

 

Insurance card and benefits UnitedHealthcare Student Resources (UHCSR)

866-599-4427

customerservice@uhcsr.com

General information Office of Student Health Insurance

848-932-8285

insure@rutgers.edu

Pay premium on term bill Student Accounting, Billing, and Cashiering

848-932-2254

Contact Us online form

F or J Rutgers Sponsored Visa Students Global Services-Student Health Insurance

848-932-7015

globalservices@global.rutgers.edu

NOTE: For the full-time Student Health Insurance Plan: "online-only degree" programs or nonmatriculated students registered for online courses only are not eligible to enroll.

NOTE: For the part-time Student Health Insurance Plan: "online-only degree" programs, registered for online classes only or nonmatriculated students are not eligible to enroll.

Health Insurance Eligibility

Please select your applicable student type for health insurance eligibility information.

Full-Time Students (2020-519-2)

FALL and SPRING Terms

All full-time undergraduate students taking 12 or more credit hours and all full-time graduate students taking 9 or more credit hours* are required to have comprehensive health insurance each semester for the dates of the coverage period. Student insurance eligibility may be affected if an enrollment status change occurs (part-time to full time or full time to part-time). Students must actively attend classes for at least 31 days after the date for which coverage is purchased.

*full-time students as defined by the student’s department could require you to be registered for 12 credits, example: Rutgers Business School, Rutgers Law School.

The student health insurance premium is added to your Rutgers term bill, each semester, once you are registered for full-time credits.  Paying the premium on your term bill is NOT enrolling in the SHIP.  You need to complete the online enrollment form.

**Exception to waiver and enrollment process:  Graduate fellows and Full and partial-appointment teaching and graduate assistants, please see instructions under your student type in the Health Insurance Eligibility table.

WAIVING: If you have comparable health insurance for the dates of the coverage period, you must waive online, before the deadline, at universityhealthplans.com.  When you submit your waiver form, you will receive a confirmation number to your email.  Once you have your waiver confirmation number, allow 4 business days for the SHIP premium to be removed from your term bill.  Students who do not complete the online waiver form before the deadline will be automatically enrolled in the SHIP and you will be responsible for the premium for that coverage period.

Failure to waive online before the deadline will result in a nonrefundable charge, and students will be responsible for the premium EVEN IF YOU HAVE OTHER COVERAGE.

ENROLLING: If you are enrolling in the SHIP go to universityhealthplans.com to complete the online enrollment form.  We encourage you to submit the enrollment form before the deadline.

You will get an email from United Healthcare Student Resources (uhcsr.com) within 5–7 business days after enrollment with instructions to print a card or download the mobile app. Please call United Healthcare Student Resources (UHCSR) directly at 866-599-4427 if you need assistance in this process.

If you do not receive a confirmation number or have enrollment or waiver issues, call University Health Plans directly at 800-437-6448.

To add dependents or a spouse, you must visit universityhealthplans.com. Payment is made directly to University Health Plans. The premium for dependents/spouse cannot be added to the Rutgers term bill.

Coverage Period:        Fall 08/15/XX - 01/14/XX            Spring 01/15/XX - 08/14/XX                 For Summer, Advanced Standing, and Third term see the rates table for the coverage period.

F and J Rutgers Visa Sponsored Students (2020-519-2)

Enrollment procedures:  F and J Rutgers Visa Sponsored Students will enroll by completing an enrollment form at www.universityhealthplans.com.  The premium is added to your term bill each semester upon registering for your courses.  Paying the Student Health Insurance Plan (SHIP) Premium on your term bill is not enrolling in the SHIP.  You will need to complete the online enrollment form.  To add dependents/spouse, or for a life status change, you must visit globalservices.rutgers.edu.

Waiver procedures:  If you have other coverage and wish to waive, you must visit globalservices.rutgers.edu. Failure to waive before the deadline will result in a nonrefundable charge, and students will be responsible for the premium on their term bill.

NOTE: The Student Health Insurance Plan (SHIP) premium is a separate charge from the Health Services Fee.  The Health Services Fee cannot be waived.  The SHIP is medical health insurance with nationwide coverage.

 

F and J Non-Rutgers Visa Sponsored Students (2020-519-2, 2020-519-3)

F and J  Non-Rutgers Visa Sponsored students must follow the applicable process for full-time or part-time domestic students.

Part-Time Students (2020-519-3)

Part-time degree-seeking students taking at least 1 credit hour are eligible to enroll on a voluntary basis before the deadline.  Online only degree programs and non-matriculated students registered for online courses only, do not fulfill the eligibility requirements.  

To enroll in the Part Time Student Health Insurance plan complete the Online Part Time enrollment form at universityhealthplans.com.  Insured part-time students may purchase coverage for their dependents on a voluntary basis at www.universityhealthplans.com. Payment is made directly to University Health Plans for students and dependents and cannot be added to the Rutgers term bill.

Postdoctoral Fellows

Full-time postdoctoral fellow students are required to be covered by health insurance. University Human Resources (UHR) in conjunction with your department will determine eligibility. If you are eligible, you will be automatically enrolled by UHR in the Postdoctoral Fellows Health Insurance plan with UnitedHealthcare StudentResources. No Waiver Action is required UNLESS you are an eligible postdoctoral fellow and you decline the postdoctoral health insurance, then you must waive the Student Health Insurance Plan. Insureds may enroll their eligible dependents with UHR.

If you are a postdoctoral fellow who is not eligible for the Postdoctoral Fellows Health Insurance plan through UHR, you are still eligible to enroll in the Student Health Insurance Plan. If you are a part-time student taking courses, then you may enroll in the Student Health Insurance Plan under the part-time rate. If you have completed your coursework and are working on research, exams, dissertation, etc., please view the section below for Graduate/PhD Students Considered Full Time Who Are Registered For Less Than Full-Time Credits.

This does not apply to RBHS Postdoctoral Fellows. RBHS Postdoctoral Fellows who have enrollment and waiver questions, please contact Kenneth Young at 973-972-6617 or youngke@ca.rutgers.edu.

Graduate Fellows (2020-202826-1)

Graduate fellows who have been awarded a full fellowship from internal or external sources are eligible. The Graduate School Dean’s Office will make final determinations as to the individual eligibility. Upon this determination, you will be automatically enrolled in the Graduate Fellows Health Insurance plan with UnitedHealthcare StudentResources. No waiver action is required, UNLESS you are declining the Graduate Fellow Health Insurance Plan, 2020-202826-1. If you are declining, then, you must complete a waiver form each semester for the Student Health Insurance Policy, 2020-519-2 by going to universityhealthplans.com.  Select the option bar for Graduate & Medical Student (not the Graduate Fellow bar). 

NOTE: You will get an email from UnitedHealthcare StudentResources (uhcsr.com) within 5–7 business days after UHCSR has received your enrollment with instructions to print a card. Please call UnitedHealthcare StudentResources directly at 866-599-4427if you need assistance in this process.

Insured persons may enroll their eligible dependents at universityhealthplans.com and the premium is paid by the insured directly to University Health Plans.

The standard coverage period for the Graduate Fellow Plan (GFHI) covers a date range between 09/01/XX–08/31/XX, depending on your appointment.

Partial-Appointment Teaching and Graduate Assistants TAs/GAs, (2020-202826-1)

Partial appointment TAs/GAs are eligible under this plan as determined by University Human Resources (UHR). Once you are on the payroll, call UHR at 848-932-3990 to confirm your employment status and ensure enrollment in the Partial-Appointment TA/GA Health Insurance plan with UnitedHealthcare StudentResources. No waiver action is required UNLESS you are declining the Partial Appointment TA/GA Health Insurance (in this case you will need to complete an online waiver form), you will be automatically enrolled by UHR. Insured persons may enroll their eligible dependents with UHR.

NOTE: You will get an email from UnitedHealthcare StudentResources (uhcsr.com) within 5–7 business days after UHCSR has received your enrollment with instructions to print a card. Please call UnitedHealthcare StudentResources directly at 800-505-4160 if you need assistance in this process.

Insured persons may enroll their eligible dependents at universityhealthplans.com and the premium is paid by the insured directly to University Health Plans.

The coverage period for the less than full-appointment TAs/GAs covers a date range between 09/01/XX–08/31/XX, depending on your appointment.

Full-Appointment Teaching and Graduate Assistants (TAs/GAs)

Full-appointment TA/GAs are eligible for the State Health Benefits Plan (SHBP) which is managed by University Human Resources (UHR).  You can find information by going to UHR's website https://uhr.rutgers.edu/teaching-assistants-graduate-assistants

If you are a NEW Full appointment TA/GA,  you will enroll in the SHBP online through Benefitsolver at https://my.state.nj.us/openam/UI/Login .   Should you need assistance with Benefitsolver, contact One Source, https://discover-uhr.rutgers.edu/onesource/home .   You are not required to complete the Student Health Insurance Plan (SHIP) online waiver form, unless you are decling the SHBP.  The Office of Student Health Insurance will remove the SHIP premium once you are in UHR's system, showing you have submitted your SHBP paperwork.  This is a new process with Benefitsolver, please hang on to your confirmation number until the SHIP premium has been removed from your term bill.  Please allow 3 - 4 weeks, once you have received your confirmation number, for the SHIP premium to be removed. 

If you are a returning TA/GA, when your appointment has been updated in Rutgers system by your department, the Student Health Insurance Office will waive the SHIP for you and the premium will be removed from your student account.

NOTE: If you are declining the SHBP and you are a Full-Time student or F1, F2, J1, J2 Rutgers Sponsored Visa student, then you must waive the SHIP by completing the online waiver form for the SHIP at www.universityhealthplans.com by the deadline.  You will be completing 2 waivers: 1 with UHR declining the SHBP and 1 for the SHIP via online waiver form.

Graduate/PhD Students Considered Full Time Who Are Registered for Less Than Full-Time Credits (2020-519-2)

PhD students who have completed their course work and are working on research, dissertation, exams, etc. are eligible to enroll in the Full-Time Student Health Insurance Plan (SHIP) at the full-time premium rate. Terminal Masters students, in their final semester, that have been enrolled in the SHIP previously, are eligible to enroll in the Full-Time SHIP at the full-time premium rate.  (NOT TO BE USED BY F1, J1 RUTGERS SPONSORED VISA STUDENTS.  These students will enroll online at universityhealthplans.com)

Students may obtain an enrollment form by visiting our Student Forms page. Students must enroll each semester before the deadline.  All the information is on the form.  The enrollment form is emailed to the Student Health Insurance Office at insure@rutgers.edu.  The SHIP premium will be added to your term bill.   You are enrolling in the SHIP under the Full-Time rate but you are still considered Part-Time (PT) based on credits.  Even though you have the Full-Time policy, you may incur charges as a PT student at Rutgers Student Health.

NOTE: You will get an email from UnitedHealthcare StudentResources (uhcsr.com) within 5–7 business days after UHCSR has received your enrollment with instructions to print a card. Please call UnitedHealthcare StudentResources directly at 866-599-4427 if you need assistance in this process.

Insured persons may enroll their eligible dependents at universityhealthplans.com and the premium is paid by the insured directly to University Health Plans.

DEPARTMENTS: IF YOU ARE FUNDING THE PREMIUM INSTEAD OF THE STUDENT, PLEASE PROCESS A JOURNAL ENTRY, FOR DOMESTIC STUDENTS ONLY, AS INSTRUCTED ON THE PART-TIME CONSIDERED FULL-TIME FORM.   IF YOU ARE FUNDING THE PREMIUM FOR AN F1, J1 RUTGERS SPONSORED INTERNATIONAL STUDENT THEN CONTACT STUDENT ACCOUNTING TO PROVIDE THEM A GL STRING TO USE FOR THE POSTING.

Rutgers Biomedical and Health Sciences (RBHS, 2020- 527-1)

Rutgers initially charges all RBHS full-time students for the Student Health Insurance Plan, annually. Students who have other health insurance coverage may opt-out by submitting the online waiver at universityhealthplans.com. For enrollment or waiver issues, contact University Health Plans at 800-437-6448. Failure to waive before the deadline will result in a nonrefundable charge, and students will be responsible for the premium.

Part-time students who participate in clinical experience are required to have health insurance coverage. Rutgers initially charges all RBHS part-time students in clinical rotation for the Student Health Insurance Plan, annually. If you are a part-time student and do not participate in clinical experience, you will NOT be automatically charged for the Student Health Insurance Plan. If you would like to purchase the coverage, you may do so by submitting the online enrollment form no later than September 30.

Veterans Chapter 31 (Vocational Rehabilitation) / Chapter 33 (Post 9/11 GI Bill)

Veterans under the Chapter 31 (Vocational Rehabilitation) program: Please note, the Department of Veteran Affairs (VA) does consider you to have healthcare coverage under a comprehensive health insurance plan even though you must go to a VA facility for treatment. Therefore, the VA will not pay the premium for the Student Health Insurance Plan. If you choose to enroll in the student health insurance, you are responsible to pay the premium charge on your term bill each semester. Please complete an enrollment or waiver form each semester at universityhealthplans.com.

Veterans under the Chapter 33 (Post 9/11 GI Bill) program: Please note, the Department of Veteran Affairs (VA) will pay the premium for the Student Health Insurance Plan according to your percentage of eligibility, as they do not consider you to have coverage under a comprehensive health insurance plan. The premium is included in the term bill each semester. Please complete an enrollment or waiver form each semester at universityhealthplans.com.