FAQs re Hard Waiver

FAQs Regarding the Hard Waiver Student Insurance Program
 
Why is health insurance required for Rutgers Students?
 
What does “hard waiver” mean?

What is the University-sponsored Health Insurance Plan?

Who is required to show proof of insurance?
 
I am already covered by health insurance. What do I need to do so I don’t get billed?

How can eligible full-time students enroll in the University-sponsored Health Insurance Plan?
 
How is Health Insurance different from the Health Fee included in the College Fees on my student bill each semester?
 
Can I utilize Rutgers Health Services on campus if I waive out of the University-sponsored Health Insurance Plan?
  

What if students don’t enroll in the University-sponsored Health Insurance Plan? Are they covered in they don’t waive?
 
How are the waivers monitored? What if a student does not enter correct insurance information in order to waive out of the University-sponsored Health Insurance Plan?

What insurance plan is acceptable?

Do I have to verify my insurance each semester?
 
What happens if I start as a part-time student and add classes to become a full-time student?

How can I enroll my spouse/domestic partner and/or dependent child(ren)?
 
What if a student waives out of the University-sponsored Health Insurance Plan and later loses their insurance that they had with their parents due to a job loss?

 
What happens when I graduate before the plan ends?
 
When will students receive their insurance coverage card?
 
What if a student is enrolled in the University-sponsored Health Insurance Plan and then drops out of school in late September? What if any insurance claim charges have been incurred?
 
How do students who enroll late get enrolled or waived?

What if a part-time student wants to enroll in the University-sponsored Health Insurance Plan?
 
Are there special insurance requirements for International Students?
 
Do I need a referral from Rutgers Health Services before I go for treatment outside of Rutgers?

Does the University-sponsored Student Health Insurance Plan also cover treatment received outside of New Jersey?


Will prescription drugs be covered on the University-sponsored Health Insurance Plan?
 
How can I find out if specific treatments or services are covered?
 
Is dental coverage available?
 
Whom do I contact with questions about a claim or using the University-sponsored Health Insurance Plan?
 
Whom do I contact with a question about a bill or claim generated from a visit to Rutgers Health Services – medical or psychiatry?

How do I assure confidentiality of claims information seen in My Account on the http://www.universityhealthplans.com/ website?

Why is health insurance required for Rutgers Students?
Unexpected health care expenses, such as those associated with unexpected illness, accidents, or mental health care can destabilize a student’s financial situation and derail his/her progress toward a degree. These potential barriers to attendance and degree completion are reduced when students have health insurance. Conversely, students without health insurance who do not have access to needed specialty care or hospitalization may attempt to continue their academic pursuits but fail to reach their full potential due to their untreated illness.  Therefore, Rutgers does require full time students to have health insurance.
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What does “hard waiver” mean?
The term “hard waiver” means that any full-time undergraduate and graduate student (as defined by their academic unit) is required to show evidence of an existing health insurance policy OR enroll in the Rutgers University-sponsored Health Insurance Plan. “Hard waiver” does not mean a student must enroll in the Rutgers University-sponsored Health Insurance Plan; it means a student must show evidence of adequate coverage by an acceptable health insurance plan. Enrolling in the University-sponsored Health Insurance Plan is one means to meet that requirement. A student is encouraged to compare the Rutgers sponsored plan against other options, e.g., being a dependent on a parent’s health insurance plan or an employer’s health insurance plan. If no evidence of health insurance coverage is provided, the student will be automatically be enrolled in the University-sponsored Health Insurance Plan.
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What is the University -sponsored Health Insurance Plan?
Rutgers, The State University of New Jersey has selected a student health insurance plan underwritten by United HealthCare. The plan included in the term bill for full-time students has coverage with a maximum benefit of $1,000,000 and includes a prescription drug benefit (the Rutgers Health Center Pharmacy is a participating pharmacy in this Plan). Details on the plan can be found at http://www.universityhealthplans.com/. The effective dates of the plan are Fall 2013 - 08/15/13 - 01/14/14; Spring 2014 - 01/15/14 - 08/14/14.
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Who is required to show proof of insurance?
All full-time undergraduate and graduate students as defined by the University (12 or more credits for undergraduate, 9 or more credits for graduate, or as defined by the student’s department) are required to show evidence of an existing creditable health insurance policy, or will be automatically enrolled in the University-Sponsored Health Insurance Plan.
Students must actively attend classes for at least 31 days after the date for which coverage is purchased. Home study, internet classes and television courses do not apply.
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I am already covered by health insurance. What do I need to do so I don't get billed?
Students who are already covered by an insurance policy (i.e., through parent plans, family plans, or employer-sponsored plans) should go online and submit their insurance policy information for verification through a secure website, http://www.universityhealthplans.com. No paperwork is required. Once verified, the insurance fee is removed.
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How can eligible full-time students enroll in the University-sponsored Health Insurance Plan?
Eligible full-time students are automatically charged the premium on their term bill. If Full-time students do not waive out by the posted deadline date, they are automatically enrolled with United Healthcare. Full-time students may may take an active role and enroll in the student health insurance plan at http://www.universityhealthplans.com/.
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How is Health Insurance different from the Health Fee included in the College Fees on my student bill each semester?
All full-time students are required to pay a student health fee as part of the College Fees. This fee helps cover the myriad of health services provided on campus including medical, mental health, pharmacy, health education, immunization compliance, laboratory testing, miscellaneous items to care for minor student accidents and other programs to help maintain the health and well being of Rutgers students. Health insurance gives students access to services not available at Rutgers or when the students are away from campus and covers a portion of the cost for services not provided at Rutgers Health Services, such as hospitalization, required surgery or specialty services for illnesses or injuries.
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Can I utilize Rutgers Health Services on campus if I waive the out of the University sponsored Health Insurance Plan?
Yes, all registered students (undergraduate and graduate) are eligible to utilize the Health and Counseling Centers on campus.
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What if students don't enroll in the University-sponsored Student Health Insurance Plan? Are they covered if they don't waive?
Any full-time student who meets the criteria for the insurance requirement AND does not submit creditable insurance information is automatically enrolled in the University-sponsored Student Health Insurance Plan. This information is uploaded to the insurance company’s secure website and insurance cards are issued to the best address on file with the University.
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How are the waivers monitored? What if a student does not enter correct insurance information in order to waive out of the University Sponsored Plan?
Waivers are monitored and verified by the insurance company. A message from the company will appear if non-verifiable information is entered.
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What insurance plan is acceptable?
Your plan should provide benefits similar to the University-sponsored Student Health Insurance Plan. For example:
• Provide benefits in New Jersey
• Have Providers in the campus area
• Cover Mental Health conditions
• Cover Prescription Drugs
• Provide Wellness Visit benefits
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Do I have to verify my insurance each semester?
Yes. Full-time students and voluntary enrolled students must waive or enroll each semester.
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What happens if I start as part-time student and add classes to become a full-time student?
The student would need to provide creditable proof of insurance coverage. Students who are not full-time by the end of the “add/drop” period will not be considered full-time and not subject to the Hard Waiver requirement. A full-time student who does not have evidence of health insurance coverage will be in violation of the University's requirements and will be responsible for all medical bills.
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How can I enroll my spouse/domestic partner and/or dependent child(ren)?
If a student is enrolled in the University-sponsored Student Health Insurance Plan, coverage for eligible dependents (spouse/domestic partner and/or dependent child(ren)) may also be purchased. Application and enrollment deadlines are available at http://www.universityhealthplans.com/.
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What if a student waives out of the University-sponsored Student Health Insurance Plan and later loses their insurance that they had with their parents due to a job loss?
This would be a Life Status change and students would be allowed to purchase the University-sponsored Student Health Insurance Plan within 30 days of the event. A student may inquire about how to do this by contacting Rutgers Student Insurance office by calling 1-848-932-8285 or sending an email to insure@rci.rutgers.edu. Please be certain to include your RU ID number in all communications with the Rutgers Student Insurance Office.
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What happens when I graduate before the plan ends?
When a student graduates, they are still covered by the University-sponsored Student Health Insurance Plan until the expiration date of the plan. Fall Plan coverage 08/15/13 - 01/14/14; Spring Plan Coverage 01/15/14 - 08/14/14.
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When will students receive their insurance coverage card?

Cards are mailed as soon as the student is enrolled in the plan. The student who takes the initiative to enroll on-line prior to the open enrollment period will get their card sooner than the student who does not confirm enrollment, but cards are typically issued by the second week in September for the Fall term. The student who enrolls on-line can print out a temporary card immediately after on-line enrollment is finalized.
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What if a student is enrolled in the University-sponsored Student Health Insurance Plan and then drops out of school in late September? What if any insurance claim charges have incurred?
The student may inquire about this process directly with the insurance company (United Healthcare Insurance at 1-800-505-4160 or email customerservices@uhcsr.com), or through the Rutgers Student Insurance office at 1-848-932-8285 or at insure@rci.rutgers.edu. Please include your RU ID number on all correspondence.
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How do students who enroll late get enrolled or waived?
Each request will be handled on a case by case basis. The student may inquire about this process directly with the insurance company (United Healthcare Insurance at 1-800-505-4160 or email customerservices@uhcsr.com), or through the Rutgers Student Insurance office at 1-848-932-8285 or at insure@rci.rutgers.edu. Please include your RU ID number on all correspondence.
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What if a part-time student wants to enroll in the University-sponsored Student Health Insurance Plan?
Part-time, degree seeking students enrolled are eligible to purchase a “voluntary” rated University-Sponsored Student Health Insurance Plan.
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Are there special insurance requirements for International Students?
All Rutgers sponsored J1, J2, F1 and F2 visa students (full-time and part-time) are required to show proof of insurance or enroll in the University-sponsored Student Health Insurance Plan. Any exceptions are reviewed by the International Programs office. (More information is available on the International office website, http://internationalservices.rutgers.edu/).
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Do I need a referral from Rutgers Health Services before I go for treatment outside of Rutgers?
A referral from Rutgers Health Services is not required with the University-sponsored Student Health Insurance Plan. If a student goes to an off-campus medical provider, the student will be responsible for co-pays, deductibles, and any portion of the bill not covered by the University-sponsored Student Health Insurance Plan.
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Does the University-sponsored Student Health Insurance Plan also cover treatment received outside of New Jersey?
Yes, the University-sponsored Student Health Insurance Plan provides coverage in all 50 States, US Territories, and foreign countries. The “out of network” benefit provisions will apply. Foreign nationals are not covered in their home country.
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Will prescription drugs be covered on this plan?
Yes, prescription drugs are covered with maximum benefit of $5000.00. The co-pay varies depending on the type and cost of the medication. Rutgers Health Center Pharmacy is one of many participating providers.
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How can I find out if specific treatments or services are covered?
To view the University-sponsored Student Health Insurance Plan summary and a complete list of plan exclusions, please review the brochure by going to your school's page at http://www.universityhealthplans.com/.
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Is Dental coverage available?
Students can purchase dental insurance plan. For details and enrollment go to http://www.universityhealthplans.com/.
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Whom do I contact with questions about a claim or using the University-sponsored Student Health Insurance Plan?
Please call United Healthcare Insurance at 1-800-505-4160 or email customerservices@uhcsr.com.
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Whom do I contact with a question about a bill or claim generated from a visit to Rutgers Health Services - medical or psychiatry?
Rutgers Health Services uses a third party billing company, Vivature Health.  Contact Vivature Health toll-free at 1-800-555-9073. (Note: Their hours of operation  are 8:00am to 5:00pm Central Standard Time.)
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How do I assure confidentiality of claims information seen in My Account on the http://www.universityhealthplans.com/ website?
Change your password in the My Account section of the http://www.universityhealthplans.com/ website.
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