Health Insurance | Ross University Medical School

Fees: Ross University requires all students, Medical and Veterinary, both basic science and those in clinical rotations, have health insurance coverage while enrolled at the University. To that end, the University makes a basic health insurance plan available to its students, their spouses and dependents. Students must either avail themselves of the Ross University sponsored medical plan or prove coverage under another plan. Individuals proving coverage under an alternative plan must submit the Health Insurance Waiver Form online through myRoss, and must specify the alternative coverage policy number.

Our coverage year is from September 1st of the current year to August 31st the following year. The coverage year is broken into three parts for the purpose of billing and to allow new enrollment and requests to waive coverage. The billing periods are as follows:

• September 1 - Coverage for September 1st through December 31st
• January 1 - Coverage for January 1st through April 30th
• May 1 - Coverage for May 1st through August 31st

Rates are age based and are as follows for the current term:

• Under age 30 - $225 per semester; $675 for a full year
• Ages 30-39 - $280 per semester; $840 for a full year
• Ages 40-49 - $395 per semester; $1,185 for a full year
• Age 50 and above - $485 per semester; $1,455 for a full year
• Charge includes an administration fee.

Roughly (5) weeks prior to the start of these periods you will be billed for your coverage in conjunction with any other unpaid University charges. Insurance charges will appear on your billing statement as a separate item titled "Hlth Ins Prm Eff __ /__ /__". A statement of accounts will be sent to you documenting this charge. It is the student's responsibility to make sure this insurance enrollment or waiver information is current. Please note: Students in clinical rotations may receive separate bills for insurance and tuition charges. During the clinical semesters billing is based upon the completion of 15 weeks of rotations and is not based on the academic school year. Health insurance billing follows the academic year.

Student Enrollment: At the beginning of each billing period students are automatically enrolled, billed and responsible for those insurance charges. Please be sure to verify your enrollment status at the start of each billing period. This coverage is also automatically applied to students on approved leaves of absence, vacation, temporary withdrawals, and while preparing for, and taking, the USMLE Step 1 Exam. Coverage will continue to be charged until the student officially graduates or is permanently withdrawn from the university. Please note: completion of clinical rotations does not constitute official graduation. Please contact the Office of the Registrar to confirm your official graduation date. To decline this automatic coverage, you must submit the Health Insurance Waiver Form online through myRoss. Graduating students may continue coverage, at their own cost, by submitting a Continuation of Coverage Form directly to the insurance company along with a premium payment.

Waiving Coverage: At the beginning of each billing period if you are covered by an alternative insurer and do not desire to be covered by the offered plan, you may elect to waive insurance. To waive this insurance you must submit the Health Insurance Waiver Form online through myRoss. Incomplete or late waivers received by the Office of Student Finance will not be processed and you will be billed for that period. A waiver, once submitted, will remain in effect until the student officially cancels it. All waivers and waiver cancellations must be submitted on a timely basis at the start of the affected billing period or the insurance charges/waiver cancellations will remain in effect for that period. Waivers received at the Office of Student Finance more than 35 days from the insurance term start date will not serve to cancel insurance coverage until the next period's billing. Students that have filed waivers with the University do not need to submit a new waiver every term. If students wish to reverse a waiver please see Waiver Cancellations below.

Waiver Cancellations: At the beginning of each billing period students may cancel previously submitted waivers and apply for health coverage. To officially cancel a waiver, please submit  the Health Insurance Reinstatement Form online through myRoss.  The Office of Student Finance must receive waiver cancellations within 30 days of the billing date (see above dates) to resume coverage for that period.

Spouse and Dependent Enrollment: At the beginning of each billing period students, at their own cost, may elect additional coverage for their spouse and/or dependent(s). For this additional coverage the Dependent Enrollment Form must be completed and sent along with a payment of premium to the company at the address specified on the form. Students must separately submit payment for spouses and dependents at the beginning of each billing period. Online enrollment forms for dependents may be filled out by visiting http://www.aetnastudenthealth.com.

For further information on the policies, procedures, and coverage limits of this health insurance please read our Insurance Plan Brochure.

Further information regarding claims (including claim forms) and specific coverage can be obtained by contacting Aetna Student Health at 1-877-381-3551 or by visiting their website www.aetnastudenthealth.com and performing a school search for "Ross University".

For information on emergency services provided by Assist America.

Should you have any questions, please feel free to contact the Office of Student Finance at Ross University at 732-509-4600 x4904 or Bursar@RossU.edu.