Student Health Insurance

All full-time Rutgers medical students are required to be covered by health and accident insurance.  Each academic year, students are automatically enrolled and billed for the school's health insurance plan unless they choose to waive participation in the policy.  The Student Injury and Sickness Insurance Plan is serviced by University Health Plans and underwritten by UnitedHealthcare Insurance Company (UHC) In June of each year, the updated insurance information is sent via e-mail to the student body by the Office of Student Affairs.  Students have access to the University Health Plans website where they can view the insurance on-line brochure for benefit information and premium costs in addition to dependent enrollment and other pertinent information  If a student chooses to waive the school's health insurance plan, they must complete a Waiver Form which is submitted to University Health Plans; they must be able to indicate they have comparable coverage from another source. Students receive several notices from the Office of Student Affairs regarding the school's health insurance plan, and the opportunity to waive the plan by September 30th of that year. Information is also provided to the students regarding the opportunity to purchase optional dental and vision care insurance.  The student health insurance plan also allows for coverage of dependents. 
The school's health insurance plan offers two levels of benefits: an "in-network (preferred)" benefit and an "out-of-network (non-preferred)" benefit.  United Healthcare has one of the largest networks of physicians, hospitals and other healthcare providers in the United States. The cost of this Plan for each student for Academic Year 2020-2021 is $2,247. Coverage is effective August 15, 2020 through August 14, 2021. The deductible and co-pays will be waived and benefits will be paid at 100%of Covered Medical Expenses incurred when treatment is rendered at the Student Health Services Center.
A review the Plan benefits can be accessed by going to and click on Rutgers, The State University of New Jersey.


Disability Insurance


NJMS , in conjunction with the AMA sponsored Med Plus Advantage Program, provides disability insurance tailored for our medical students.  Disability insurance coverage is mandatory for third and fourth year medical students, and they are automatically enrolled in the student plan and charged the premium at the beginning of the academic year.  For Academic Year 2020-2021, first and second year students will be offered the option to purchase disability insurance.  For subsequent years, it is anticipated disability insurance will be mandatory for all students.
The following is the premium: Annual Premium Rate:
Year 1 & 2 Optional premium 52.44., per student
Years 3+ 4 year Mandatory premium $78.60., per student
Coverage Period: 7/1/2020 - 6/30/2021
Prior to each academic year, the Office of Risks and Claims submits information to the Office of Student Affairs regarding disability insurance for the medical students. This information is then sent electronically to the third and fourth year students identifying the highlights of the disability insurance plan.