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Student Health Insurance

Rutgers University requires full time and all F&J Rutgers-sponsored visa students to waive or enroll in the Student Health Insurance Plan (SHIP) each semester before the deadline. Please visit University Health Plans to either waive or enroll. 

If you failed to waive before the deadline, you will be responsible for paying the premium on the term bill even though you have health insurance.

Paying the premium on the term bill is not enrolling; you must complete the enrollment form online before the deadline to finalize the process.

Please note that students in “online-only” degree programs or non-matriculated students registered for online courses only are not eligible to enroll in the Student Health Insurance Plans.

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  • If you have comprehensive health insurance, you may complete the waiver form each semester before the deadline.

    • Visit www.universityhealthplans.com to waive, view deadlines dates/insurance rates.
    • Follow the “after completion of the waiver form” guidelines about the removal of the health insurance premium on the term bill.
    • If you failed to waive before the deadline and did not complete an enrollment form, you will be automatically enrolled and you will be responsible for paying the premium on the term bill even though you have health insurance.
    • For waiver inquiries after the deadline, you must visit www.universityhealthplans.com for specific guidelines
  • Paying the premium on the term bill is not enrolling. You must complete the enrollment form each semester before the deadline to finalize the process.

    • Visit www.universityhealthplans.com to enroll, view deadlines dates/insurance rates, benefits and how to get your insurance card.
    • Follow the “after completion of the enrollment form” guidelines, which includes the timeline on how to get your insurance card.
    • If you failed to enroll before the deadline and do not have health insurance, you will be automatically enrolled. The automatic enrollment process can take several weeks, which will delay access to your insurance card. Be proactive and enroll before the deadline; avoid having to pay out of pocket expenses for medical care and then seeking reimbursement.
  • Waiver appeals are no longer accepted for academic year 2020-2021. Deadline for appeals has passed. 
    FALL 2021 deadline to waive or enroll is September 21, 2021. 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.
    Summer and Third Term  

    (Coverage period: May 26, 2021 to August 14, 2021) 

    New domestic students and students (F or J) not on Rutgers Sponsorship Visa who register for the summer term may enroll in the Student Health Insurance Plan on a voluntary basis. The deadline to enroll is June 30, 2021. 

    Students who were registered for the spring 2021 term and enroll for the summer term do not need to do anything; the insurance-related action that you took during the spring semester is applicable through August 14, 2021. 

  • Review your applicable student type for health insurance eligibility information.

  • Full-Time Students and International (F1, F2, J1, J2) Visa-Sponsored Students  

    Fall 

    8/15/21 - 1/14/22 

    $984 

    Spring/Summer   

    1/15/22 - 8/14/22 

    $1363 

    Adv. Standing 2022 (Third Term)

    Summer 2022 

    School of Nursing 2nd Degree 

    05/26/22- 08/14/22 

    05/26/22- 08/14/22 

    TBD 

    $521

    $521

     TBD 

    Please note the fall 2021 open enrollment deadline of September 21, 2021 and the spring 2022 open enrollment deadline of February 17, 2022. The deadline for summer 2022 across all categories is June 30, 2022. 

    Part-Time Domestic Students (Not Including F1, J1, F2, OR J2 Visa Sponsored Students*) 

    Fall 

    8/15/21 - 1/14/22 

    $2394.50 

    Spring/Summer   

    1/15/22 - 8/14/22 

    $3314.50 

    Adv. Standing 2022, coverage 05/26/22 - 08/14/22 

    Summer 2022, coverage 05/26/22 - 08/14/22 

    05/26/22 - 08/14/22 

    05/26/22 - 08/14/22 

    $1267

    $1267

    *See full-time policy. 

    Part-time students can purchase the plan online here and have the option to enroll their spouse/children.  

    Rates for Spouse/Children Under Full-Time Plan 

      

    Spouse 

    Each Child* 

    Annual 8/15/21 - 8/14/22 

    $2347 

    $2347 

    Fall 8/15/21 - 1/14/22

    $984

    $ 984

    Spring/Summer 1/15/22 - 8/14/22 

    $1363

    $1363 

    Adv. Standing 2022, coverage 05/26/22 - 08/14/22 

    Summer 2020, coverage 05/26/22 - 08/14/22 

    School of Nursing 2nd Degree TBD 

    $521

    $521

    TBD 

    $521

    $521

    TBD 

    *No charge for more than two children 

    The fall 2021 open enrollment deadline is September 21, 2021 and the spring 2022 open enrollment deadline is February 17, 2022. The deadline for summer 2022 across all categories is June 30, 2022. 

  • Waiving the Student Health Insurance Plan With NJFC 

    If you have New Jersey Family Care (NJFC), you can waive the Student Health Insurance Plan (SHIP) each semester. To waive SHIP, visit University Health Plans before the waiver deadline to complete the waiver form. Be sure to have your NJFC health insurance card handy. 

    New or Recent NJFC Applicants 

    If you have applied recently or intend to soon apply for NJFC, please be aware of the SHIP waiver deadlines.  

    Rutgers, The State University of New Jersey, was informed by NJFC that the NJFC approval process takes at least 60 to 90 days after application submission. The NJFC application procedures and timeline are available here

    Please note that if your NJFC application is not approved by the SHIP deadline and you do not have other coverage, you will be automatically enrolled after the deadline and will be responsible for the nonrefundable premium. 

    Deadline for open enrollment for SHIP ends on: 

    • September 21, 2021 – fall 2021 semester 

    • February 17, 2022 – spring 2022 semester 

    We cannot extend the waiver deadline date for SHIP. 

    What to Expect During the NJFC Application Process 

    During the application review, NJFC might contact you for additional information. If contacted, respond as soon as possible so as not to delay your application.  

    Typically, NJFC will then send you a final letter stating your eligibility and effective date of coverage. Your health insurance information will follow. The effective date of coverage must show September 1, xxxx to be eligible to waive SHIP for the Fall semester, and February 1, xxxx to be eligible to waive SHIP for the Spring semester.   

    Please allow four business days from your receipt of your waiver form confirmation number for the premium to be removed from your term bill. 
     
    You must waive or enroll each semester before the deadline at www.universityhealthplans.com

  • University Health Plans, Inc. also offers a plan for dental and/or vision that can be purchased regardless of whether you are enrolled in the Student Health Insurance Plan.  

    Dental Plan 

    Vision Plan 

  • The Office of Student Health Insurance is a separate department from the health centers on campus. For on-campus medical care, you may contact the relevant health and wellness centers:

    Rutgers University–New Brunswick
    848-932-7402
    website

    Rutgers University–Newark
    973-353-5231
    website

    Rutgers University–Camden
    856-225-6005
    website

  • Please contact us if questions arise as you complete the student health insurance form applicable to you. 

    • Less Than FT Final Semester

    • Call University Health Plans at 833-251-1142 for the Continuation of Enrollment for the Graduate Fellow Policy 202826-1 Form

  • For questions regarding student health insurance, please contact Angela Logan, Assistant Director, or Evelyn Nath, Program Coordinator, preferably by email at insure@rutgers.edu using your Rutgers email address, or by phone at 848-932-8285. When reaching out for assistance, include your RUID#/School ID#, brief message and any relevant supporting documentation. NOTE: During open waiver/enrollment periods, please allow at least three business days for a response.

    Waiver/Enrollment 

    University Health Plans (UHP) 

    833-251-1142

    info@univhealthplans.com 

    Insurance card and benefits 

    UnitedHealthcare Student Resources (UHCSR) 

    866-599-4427 

    customerservice@uhcsr.com 

    Pay premium on term bill 

    Student Accounting, Billing, and Cashiering 

    848-932-2254 

    Contact Us online form 

    F or J Rutgers-Sponsored Visa Students 

    RGlobal

    848-932-7015 

    https://sunapsis.rutgers.edu/istart/controllers/start/StartEngine.cfm