Health Insurance | Ross University Medical School
Fees: Ross University requires all students to 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 legal spouses and dependents. Students must either be enrolled in 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 trimesters 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 - $250 per semester; $750 for a full year
- Ages 30-39 - $312 per semester; $936 for a full year
- Ages 40-49 - $440 per semester; $1,320 for a full year
- Age 50 and above - $540 per semester; $1,620 for a full year
These costs include 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 account as a separate item titled “Health Insurance, Age XX-XX”. Account summaries may be obtained by logging into myRoss. It is the student's responsibility to make sure this insurance enrollment or waiver information is current. Please note: Students in clinical rotations may be billed for insurance separate from 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: Students are automatically enrolled in the coverage once they are billed for their first semester of tuition and are responsible for those insurance charges unless they provide a valid insurance waiver. 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. Coverage during the approved time off for the USMLE Step 1 is automatic for one (1) coverage period. Additional coverage may be provided at the student’s request. Insurance for all students 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 applying for continuation of coverage from Aetna Student Health directly.
Waiving Coverage: Students who have their own coverage, or are covered by a parent or spouse’s insurance plan may waive the Ross University provided insurance. Students must fill out an electronic waiver form available by logging into myRoss. Once a waiver is applied to a student’s account, the waiver remains in effect until the student requests to be reinstated in the University sponsored insurance plan. There is no need to file additional waivers unless the student changes insurance plans. Waivers must be submitted no more than 30 days after the start of the coverage period (see dates above). Incomplete or late waivers received by the Office of Student Finance will not be processed and students will be billed for that period. The waiver will be applied to future insurance charges and periods as a result.
Reinstatement of Coverage: Students who have previously waived the University sponsored insurance must do so by submitting an electronic reinstatement form available by logging into myRoss. Students must file reinstatement requests in a timely manner to avoid any gaps or lapses in insurance coverage.
Spouse and Dependent Enrollment: At the beginning of each billing period students, at their own cost, may elect additional coverage for their legal spouse and/or dependent(s). For this additional coverage, students must fill out the online Enrollment Form available from Aetna Student Health. All premiums for spouse or dependent coverage must be made directly to Aetna Student Health. Enrollment for spouse or dependent coverage must be completed no more than 35 days after the start of the coverage period (see dates above). 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. For information on emergency evacuation services, please visit On Call International. 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.
