Students must present their insurance card (either the physical card or a digital photo) at the time of their visit. Verification and eligibility for coverage will be confirmed at each visit to Rutgers Student Health.

Rutgers University requires that all full-time students maintain active health insurance coverage. To ensure this, the Student Health Insurance Plan (SHIP) premium is automatically included on all term bills for full time students. Students who have valid insurance – whether they have their own or are on their parents’ plan – are permitted to waive the University’s SHIP.

Hard Waiver System

In order to waive the University’s SHIP and have the premium removed from your term bill, you must show proof of valid, continuous insurance coverage before the deadline each semester. This is called a hard waiver system. To waive coverage and view semester deadlines, visit the student insurance office official website.

Part-time students are not required to maintain active health insurance coverage, but they are eligible to purchase the SHIP. The University strongly encourages all students to maintain adequate health insurance coverage at all times.



Rutgers Student Health accepts all insurance plans. Students with NJ State Medicaid or NJ Family Managed Care Policies will receive basic health care at Rutgers Student Health but may need to be referred back to their primary care physicians for certain immunizations, procedures or referrals.

Rutgers Student Health uses a billing and collection company, Medical Healthcare Solutions, Inc. They process all claims with all health insurance carriers for medical and psychiatric visits.

All full-time students pay a health fee as part of their tuition and fees. Insurance co-payments are pre-paid as part of this health fee and are not required at the time of the student’s visit to Student Health.

Registered part-time students (with the exception of distance-learning, online-only, and continuing education students) are eligible to utilize all Rutgers Student Health services except Psychiatric Services. Coverage and payment options will vary based upon insurance.

Part-time students (with the exception of international F1, J1 Rutgers-Sponsored Visa Students) do not pay the health fee and are responsible for all co-payments and uncovered charges.

For any charges not covered by your insurance carrier, (e.g., for vaccines or IUD/Nexplanon implants) Medical Healthcare Solutions. will email a statement (bill) to the student’s email address on file. Students can contact Medical Healthcare Solutions. directly at 800-762-9800 with any inquiries about claims.

Students with financial concerns about uncovered charges, can contact Rose Bartley, Assistant Director of Health Information Management & Patient Services at 848-932-9168.

Still have questions? Visit our FAQ section. Click here to Learn More.
Keep a photo of your insurance card (front and back) saved in your phone!
Questions about insurance? Visit the Student Insurance Office website. Click to Learn More.