Intensive English Program

Healthcare and Insurance

Medical care in the United States is expensive. Rutgers University requires all F-1 students and their F-2 dependents to have a minimum level of Health Insurance coverage. Rutgers International Student Health Insurance meets the Rutgers University requirements. This includes access to health centers on campus, major medical, prescription coverage, and hospitalization. 

All F-1 students and their F-2 dependents are automatically enrolled in the Rutgers Student Health Insurance plan. If a student wishes to enroll in another health insurance plan, they must submit proof that the plan meets the minimum requirements, listed below:

Minimum Requirements for Health Insurance Coverage 

  • The plan offers unlimited coverage with no maximum dollar limit The plan must include a minimum of $25,000.00 for repatriation of remains and $50,000.00 for medical evacuation.
  • Plan deductible does not exceed $500 out of network per policy year.
  • Plan provides coverage for inpatient and outpatient medical care in the immediate campus area.
  • Plan provides mental health benefits which include chemical and substance abuse treatments.
  • Plan provides preventative care services which include, but are not limited to, annual physicals, gynecological exams, routine screenings and immunizations.
  • Plan covers pre-existing conditions.
  • Plan covers prescription drugs with no maximum dollar limit and a nationwide network of pharmacies. Plan must not be a reimbursement plan.
  • Plan must be filed and approved in the United States and fully compliant with the Affordable Care Act Benefit Regulations.
  • Plan is provided by a company licensed to do business in the United States with a U.S. claims payment office and a U.S. phone number.
  • Plan must pay medical providers directly for inpatient and outpatient care (must not be a reimbursement plan).
  • The underwriting company must have a rating of either "A" or above by A.M. Best, "A-1" or above by Insurance Solvency International Ltd., "A -" or above by Standard & Poor's Claims-paying Ability, "B +" or above by Weiss Research, Inc.

Please contact the International Student Advisor with questions about Health Insurance coverage: This email address is being protected from spambots. You need JavaScript enabled to view it.

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