Bursar

Bursar: Health Insurance

Non-International Students

New Jersey State law requires that all full-time undergraduate students (12 or more credits)   and all full-time graduate students (9 or more credits) must have proof of health insurance.  

• Students entering in the fall term will automatically be charged the prevailing health insurance premium and enrolled in the health insurance plan. The premium covers the fall, winter, spring, and summer terms.
• Students entering in the spring term will automatically be charged the prevailing health insurance premium and enrolled in the health insurance plan. The premium covers the spring and summer terms.
• Health insurance is not automatically charged for the summer term but may be purchased on a voluntary basis directly through the company.

International Students

The United States Bureau of Citizenship and Immigration Services requires that all F-1 or J1 visa undergraduate and graduate international students, regardless of the number of credit hours enrolled, are required to have proof of health insurance, which includes coverage for health evacuation and repatriation.

• International students entering in the fall term will automatically be charged the prevailing health insurance premium and enrolled in the health insurance plan. The premium covers the fall, winter, spring, and summer terms.
• International students entering in the spring term will automatically be charged the prevailing health insurance premium and enrolled in the health insurance plan. The premium covers the spring and summer terms.
• Health insurance is not automatically charged for the summer term but may be purchased on a voluntary basis directly through the company.

Explanation of Increase

There is a provision in the Public Health Service Act and the Affordable Care Act, signed into law in 2010, which requires College and University Student Health Plans to meet certain minimum coverage requirements.

As a result of the rules and regulations published by the United States Department of Health and Human Services on March 26, 2012 all Collegiate Student Health Plans must provide minimal limits of $100,000 per year and eliminate any sub limits for prescription drugs and wellness benefits.  As a result the New Jersey State Colleges and Universities Student Plan’s benefit levels will be increasing to meet these mandates.

The increase in benefits unfortunately also requires an increase in the annual premium cost.  This year student health insurance cost will be increasing from $715 to $855 annually for undergraduate and from $1,033 to $1,242 for graduate students.  Students who have other coverage available will be able to waive out of the student health insurance plan.

New Jersey Statute 18A:62-15 provides in part that:

1. Every student enrolled as a full-time student shall present evidence of the health insurance coverage required by subsection a. of this section to the institution at least annually.
2. The State Department of Health shall require all public and private institutions of higher education in this State to offer health insurance coverage on a group or individual basis for purchase by students who are required to maintain the coverage pursuant to this section.

The new federal healthcare laws also require parents’ health care provide coverage for dependent up to age 26, so we encourage our students to investigate that possibility as an alternative to the student health insurance.  Students should also explore their eligibility for public health benefits before deciding whether or not to waive out of the student insurance program. 

Health Insurance Waiver

Students having outside coverage can deduct the amount of the health insurance from their bill, providing the online Health Insurance Waiver Form is completed no later than the waiver deadline. When the form is submitted, a credit will be posted to the student's account the following day. The Waiver Form will not be available after the waiver deadline. Click here to access the Waiver Form. Please use only the electronic version of this waiver form. Modified print versions and/or faxes will not be accepted. If a waiver is submitted in the fall, a student does not have to resubmit a waiver in the spring. Spring waivers are only for students who were not registered in the fall.

All full-time registered students who have not submitted a waiver by the published waiver deadline will be enrolled in the group health insurance plan administered by United Health Care. Students will then be responsible for payment of the premium charged to their account. 

Part-time Students and Full-Time/Part-Time Dependents

The College insurance plan is also available for part-time students and their dependents and full-time students who want to add their dependents. Enrollment is directly through the insurance company. The premium charge will not appear on a student’s term bill. Click on the link below to access the United Health Care enrollment form.

Enrollment Dates

Fall enrollment: August 2, 2010 to August 1, 2011
Spring enrollment: January 1, 2011 to August 1, 2011
Summer enrollment: May 1, 2010 to August 1, 2011 (Students must enroll directly with the company.)

United Health Care

Click here to review plan brochures and enrollment materials, enroll on line (if you want part-time or full-time/part-time dependent coverage), I.D. cards (temporary & permanent), check the status of an existing claim, locate healthcare provider information, gain access to the Student Health Zone, and obtain forms and information about our customer and claims services.

The College reserves the right to change costs, dates and procedures at its discretion.

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