International Scholars & Students
How to Meet Rutgers Insurance Requirements
If you or your dependents are on Rutgers F or J visa sponsorship, you may meet Rutgers' minimum health insurance requirements in a number of different ways depending on your situation, needs, and preferences.The Student Health Insurance Plan Premium (SHIP) is charged to your Rutgers term bill upon registering for classes. If you have other comparable health insurance, you may waive the SHIP and opt for alternate coverage.
F-1 and J-1 Registered Students: Health Insurance Requirements +
F-1 and J-1 registered students may meet the university's health insurance requirement in one of the following ways:
Student Health Insurance Plan
The University offers Student Health Insurance Plans that meet the university's health insurance requirements. All registered F-1 and J-1 students are automatically billed for this policy through the Student Health Insurance Plan premium on their term bills. The way the fees will be listed on your bill will depend on whether you are registered as a full- or part-time student. Billing of insurance is done on a per-semester basis. See costs for the student health care plan for more information.
To expedite enrollment please complete an online enrollment form here. Students will be automatically enrolled in the Student Health Insurance Plan unless waived from that coverage.
Alternate Insurance Coverage and Insurance Waiver Request
Individuals may elect to have alternate (not the Student Health Insurance Plan) insurance coverage if they wish, either through a policy of their own choosing or through an alternate insurance provider.
In either of these cases, students must take specific actions in order to have the automatic insurance charges removed from their term bill; this action consists of submitting to the Center for Global Services, a form to request a waiver from the university's student insurance plan, which must be accompanied by documentation of the alternate coverage showing it meets or exceeds Rutgers Health Insurance requirements. Please note that this waiver must be completed at the start of each semester that you wish to opt out of the Student Health Insurance Plan. Deadlines apply, and failure to waive by the established deadline will result in you being responsible for payment of the premium charged through your term bill.
Insurance Coverage Through Rutgers Employment Benefits
Certain F and J visa holders who are employed by Rutgers may, as a benefit of that employment, be given insurance coverage at a nominal cost. This generally applies only to those with full TA, GA, or fellowship appointments. If you are a full appointment TA or GA you must complete the State Health Benefits Plan enrollment forms including prescription coverage and return the form to University Human Resources before the deadline. If you are a partial appointment TA or GA, then you must call University Human Resources to make sure you are on the list to be added to the Student Health Insurance Plan.
Students with a full appointment TA or GA position, a partial year or partial appointment TA or GA position or a fellowship who are enrolled in coverage through that appointment will have the Student Health Insurance Plan premium removed from their term bill by Center for Global Services. No further waiver action is required on your part.
F-1 and J-1 Non-Registered Students and Scholars: Health Insurance Requirements +
Includes professors, research scholars, short-term Scholars, and visiting students not registered at Rutgers.
For all F-1 and J-1 visa holders other than those registered for course credits at Rutgers, arranging for insurance payment or providing proof of alternate coverage must be handled by the host department directly with Rutgers Global–International Student and Scholar Services at the time the department requests the issuance of your I-20 or DS-2019. If you will be bringing any F-2 or J-2 dependents with you to Rutgers, your host department will also need to arrange for insurance coverage or provide proof of alternate coverage for them.
Please note: some host departments expect F-1 and J-1 visitors to reimburse the department for any insurance payments made by the department, while other host departments are able to cover the costs. You can assume that if your department does not ask you to pay, they do not expect you to pay.
Host departments arrange for health insurance as follows:
- If your appointment at the university includes health benefits, your host department will only need to arrange for additional coverage if your health benefits will not begin on your first date of employment. In such cases, the host department can either purchase the Student Health Insurance Plan to cover the period prior to the date health benefits become effective or, alternatively, they can provide the international student and scholar services office at Rutgers Global with proof of alternate coverage for that period. University appointments that include health benefits also offer the option of including a spouse and/or children at a small extra cost to the employee. The current costs for the Student Health Insurance plan can be found here.
- If your appointment at the university does not include health benefits, your host department must, at the time of asking us to issue your I-20 or DS-2019 form, either purchase the Student Health Insurance Plan to cover the period of the I-20 or DS-2019 form or, alternatively, provide the center with proof of alternate coverage for that period. The current costs for the Student Health Insurance plan can be found here.
F-2 and J-2 Dependents: Health Insurance Requirements +
F-2 and J-2 dependents can either be enrolled in the Rutgers Student Health Insurance Plan (SHIP) policy or can show proof of alternate insurance coverage with another insurance carrier, provided that the alternate policy will satisfy the Rutgers University minimum insurance requirements.
Our office will not issue a dependent Form I-20 (for F-2) or Form DS-2019 (for J-2) until the dependent's insurance coverage has been purchased or proof of alternate insurance has been provided to Rutgers Global–International Student and Scholar Services by the F-1 or J-1 principal.
Enrolling Dependents of F-1 and J-1 Registered Students in the Student Health Insurance Plan
Enrollment forms for the Student Health Insurance Plan are available at the center. These enrollment forms should be submitted to the Eirinn Jones, insurance coordinator, and should not be sent directly to the insurance company.
If your dependent(s) will have a policy with another insurance carrier, a photocopy of that policy must be submitted to the center to document proof of insurance for your dependent(s). The insurance policy must be translated in English and state coverage in U.S. dollars if coverage amounts are listed on the policy.
Enrolling Dependents of J-1 Visitors in the Student Health Insurance Plan (Excluding J-1 Registered Students)
Rutgers' insurance requirements for J-1 visitors also apply to their visa dependents in the U.S.
- If a dependent visa is requested at the time the host department submits its initial DS-2019 request to Rutgers Global–International Student and Scholar Services, the host department must at the same time provide either payment for dependent insurance or proof of alternate coverage for the dependent for the full period to be covered by the requested DS-2019 form.
- If the dependent DS-2019 is requested after the J-1 visitor has already arrived, payment for dependent insurance or proof of alternate coverage for the dependent must be presented to the insurance coordinator at Rutgers Global–International Student and Scholar Services at the time the J-1 principal requests the center to issue the dependent DS-2019 form.