University of Rochester


Questions

If you have questions about health insurance for families offered through the University Health Service, contact the UHS Insurance Advisor at insurance@uhs.rochester.edu.

Please send questions about the technical structure/operation to the UHS Web Master
Last modified: Monday, 31-Aug-2015 16:02:44 EDT

University Health Service (UHS)

Health Insurance for Full-Time Students


All full-time students, including visiting/exchange students, must have health insurance that meets University Insurance Criteria. Students can enroll in the University-sponsored insurance plan or they can waive the insurance if their plan meets University criteria. Requests to waive the University-sponsored insurance may be audited to verify coverage. International-based insurance plans often do not meet University criteria. See "Insurance with an International-based Company" below for more information.

Health Insurance Enrollment/Waiver Insurance Process: Every year all full-time students, whether new or returning, must document their health insurance coverage by completing the online Health Insurance Enrollment/Waiver insurance Process during the appropriate open enrollment period. Students who enroll in the Aetna Student Health Insurance Plan are enrolled on the plan from August 1 through July 31 (January 31 if graduating in December). Students enrolling on the University-sponsored insurance plan may enroll eligible dependents. The same deadlines apply.

Failure to complete the online process during the appropriate open enrollment period will result in automatic enrollment in the University-sponsored Aetna Student Health Insurance Plan for the full year (i.e., August 1 through July 31). Enrolling in this way is highly discouraged since it could lead to a delay in access to care during the first two months of the plan. Students will not be allowed to disenroll from the insurance plan during the plan year..

Open Enrollment Periods:

NOTE: Study Abroad Students who are returning to campus in January after studying abroad in the fall semester must complete the online Health Insurance Enrollment/Waiver Process during the Winter Open Enrollment period (November 9 through January 30). The link is in the blue box near the top of this page.

NOTE: Students who are beginning full-time studies before August 1 must complete the Health Insurance Enrollment/Waiver process in two steps. Completing both steps is necessary to assure continuation of your coverage decision from the start of your program through the academic year. Step 1 covers the beginning of your program through July 31. Step 2 covers the academic year (August 1 through July 31). Click here for instructions.

Student Health Plan - Fees

The fees for the mandatory health fee and health insurance for 2015-2016 are:

Coverage begins on August 1st and continues through July 31st. Students who have insurance coverage that meets University Insurance Criteria can waive the health insurance fee. All full-time students must complete the online Health Insurance Enrollment/Waiver Process during the appropriate open enrollment period.

About the Student Health Plan

All full-time students participate in the Student Health Plan, which covers primary care visits to the University Health Service (UHS), time-limited therapy at the University Counseling Center (UCC), and health promotion services. The Student Health Plan includes:

About the Aetna Student Health Insurance Plan – A Few Basics

Students enrolled in the UR-sponsored Aetna Student Health Insurance Plan (or those considering enrolling) are encouraged to review the list of plan benefits (i.e., services covered by the plan) and plan exclusions (i.e., services not covered by the plan) to understand what is covered and what is not covered by the plan. It is important to know when a prior referral is needed, when the deductibles apply, when you must pay part of the cost (co-insurance, co-pay) for the service, and what is not covered.

About Aetna Student Health Insurance

Visiting & Exchange Students

Visiting and exchange students who will be studying at the University for 8 weeks or more participate in the Student Health Plan, which includes the mandatory health fee and health insurance. They receive the same services as University of Rochester full-time students. Visiting and exchange students must complete the online Health Insurance Enroll/Waive Process during the appropriate Open Enrollment period. They can enroll in the University-sponsored insurance plan or waive the insurance if their plan meets the University Insurance Criteria. These students must also complete the Health History Form.

Visiting and exchange students who will be studying at the University for less than 8 weeks do not participate in the Student Health Plan. They are welcome to come to the University Health Service (UHS) for care on a fee-for-service basis. These students do not complete a Health History Form.

Changing Your Insurance Status during the Plan Year

If you should experience a qualifying life event (QLE) during the year and want to enroll in the Aetna Student Health Insurance Plan, please contact the UHS Insurance Advisor for assistance and the appropriate form.

Insurance with an International-based Company

International-based plans often do not meet University Insurance Criteria for waiver. For this reason, we recommend checking the University Insurance Criteria carefully before deciding to purchase insurance from an international-based company. Your plan must meet all of the University Insurance Criteria to qualify for waiver of the University-sponsored insurance.

All full-time students must complete the online Health Insurance Enrollment/Waiver Process during the appropriate open enrollment period. If your request to waive is denied, you can appeal the denial or you can enroll in the Aetna Student Health insurance plan.

If you choose to appeal the denial, you need to submit the "Insurance Verification Form for International-Based Insurance Plans Only" by September 15 (or January 30 for students beginning in January). The form is available from the UHS Insurance Advisor at insurance@uhs.rochester.edu. Your plan must meet all of the University Insurance Criteria to be considered for an appeal. A representative from the insurance company must sign the form to verify your plan meets the University Insurance Criteria.

If you choose to enroll in the Aetna Student Health insurance plan, please write to the UHS Insurance Advisor (insurance@uhs.rochester.edu) to let her know your intention. She will re-set your account, so you can complete the online insurance process again. Include your name, student ID, and birthdate in the message and «Re-set Aetna account» in the subject line.

Insurance for Graduating Students

Graduating students are encouraged to check their health insurance status to assure continuing coverage and access to health care following graduation. Students enrolled in the University-sponsored Aetna Student Health insurance plan graduating in spring are covered through July 31. Most fall graduates are covered through January 31. Simon Fall graduates are covered through December 31. For information about coverage options after graduation, check "Information for Graduating Students" on this web site. If you have questions, you can write to the UHS Insurance Advisor at insurance@uhs.rochester.edu for assistance.

Health Insurance for Specific Student Groups:

Dental Coverage


If you have questions about health insurance, contact the UHS Insurance Advisor at insurance@uhs.rochester.edu.