Rowan University
STUDENT HEALTH INSURANCE PLAN

2024-2025 Academic Year

Health Insurance Requirement

Rowan University requires all full-time students as well as part-time students enrolled in specific programs (see indications in the list provided below) to maintain health insurance coverage throughout the academic year. Having a health insurance requirement protects students from unexpected high medical costs and provides them with access to quality care while at school or traveling abroad.

Rowan University automatically enrolls eligible students into the school-sponsored Student Health Insurance Plan (SHIP) each academic year.  A waiver is offered to students who already have health insurance coverage on their own or through a parent/guardian, as applicable.

As per University requirements, the following students are required to have health insurance coverage:

• All full-time matriculated students and certification students enrolled in 12 or more credits for undergraduates or nine (9) or more credits for graduates;
• All full-time Rowan-Virtua School of Osteopathic Medicine (SOM) students, all full-time Postdoctoral Fellow Students, and part-time Rowan-Virtua SOM students who participate in clinical experience as part of their educational programs; and
• All full-time medical students and any student enrolled in a Cooper Medical School of Rowan University (CMSRU) approved alternate program of study.

 Premium and Coverage Periods

The waiver deadline for NEW Spring students for SOM and undergrad/grad students is February 10, 2025.

The deadline for CMSRU is July 30, 2024.

Plan Highlights

The Student Health Insurance Plan will continue to be provided by Aetna Student Health. The plan is ACA-compliant and includes access to Aetna's national PPO network of providers. Students do not have to select a primary care physician and referrals are not required. You can view the Plan Design and Benefits Summary located under Benefit Information in the left-hand side navigation menu. In order to keep the premium competitive, the following benefit change was made for the Cooper and SOM student plan: the addition of a $250 RX deductible. There are no changes to the undergraduate and graduate plans.

Rowan University has partnered with University Health Plans to administer the plan and help with waiver, enrollment, or benefit-related questions. University Health Plans can be reached at 833-251-1143 or info@univhealthplans.com.

Waiver Criteria and Instructions

To opt out of the Rowan University Student Health Insurance Plan (SHIP),  all domestic students and all Full-Time matriculated international students with an F-1 visa must have and agree to maintain a health insurance plan underwritten by a company based in the US that is compliant with the Affordable Care Act (ACA). Additionally, the insurance plan must provide in-patient and out-patient coverage in the Southern New Jersey region.  Full-time matriculated international students with an F-1 visa may have and agree to maintain the international student insurance plan offered by ISI or ISO (found here). Travel or catastrophic insurance will not be accepted.

To waive the Rowan University insurance coverage, click on the waiver form link in the left-hand side navigation menu.

Early Termination (Not Permitted)

Rowan University and Aetna Student Health DO NOT prorate health insurance premiums or adjust effective dates of coverage. Students will not be removed from SHIP coverage based upon graduation, withdrawal from the University, or new insurance plan after the waiver deadline. SHIP coverage will remain in effect until the end of the policy period.

Qualifying Event

Students who waive the insurance in the fall may not enroll in the spring semester. Students who waive are only eligible to enroll if there is a Qualifying Life Event that causes them to lose other insurance. Please email info@univhealthplans.com to access the enrollment form within 31 days of the loss of coverage.