RUTGERS UNIVERSITY
Postdoctoral Fellows, Graduate Fellows, and
Teaching and Graduate Assistants (TAs & GAs)
with Less Than Full Appointments
Student Insurance – ACA Benefits Comparison
The chart below outlines the cost and benefits of the lowest priced plans in each of the 4 categories (Bronze, Silver, Gold and Platinum) available through the New Jersey Marketplace in comparison with the cost and benefits of the Rutgers Postdoctoral Fellows, Graduate Fellows, and Teaching and Graduate Assistants (TAs & GAs) with Less Than Full Appointments Injury and Sickness Insurance Plan. This demonstrates the value of the Student Insurance Plan as both cost effective and offering comprehensive benefits.
Plans Offered on HealthCare.Gov for the 2019 Calendar Year (Middlesex County)* | |||||
---|---|---|---|---|---|
Plan Level | LOWEST BRONZE |
LOWEST SILVER |
LOWEST GOLD |
Rutgers Post Doc-Graduate Fellows-TAs-GAs STUDENT HEALTH PLAN | |
Actuarial Value | 60% | 70% | 80% | 90% | |
Insurer | AmeriHealth of NJ | AmeriHealth of NJ | Oscar | United Healthcare | |
Plan Name | Amerihealth Advantage $25/$50 |
Amerihealth Advantage $25/$50 |
Oscar Classic Gold Option 2 |
Student Injury and Sickness Insurance Plan | |
Premium | 21 year old $2,616/yr 27 year old $2,741/yr |
21 year old $3,207/yr 27 year old $3,361/yr |
21 year old $5,051/yr 27 year old $5,293/yr |
Annual - $2,155 FT/PT student rate |
|
Deductible - individual | $3,000 | $2,500 | $1,500 | $100 IN $500 OON |
|
Deductible - family | $6,000 | $5,000 | $3,000 | N/A | |
OOP Max - Individual | $6,750 | $7,500 | $6,000 | $2,500 IN $10,000 OON |
|
OOP Max - family | $13,500 | $15,000 | $12,000 | $5,000 IN $20,000 OON |
|
PCP Office Visit | ded., then $25 | ded., then $25 | $10 | $25 copay IN ded., then 40% OON |
|
Specialist Office Visit | ded., then $50 | ded., then $50 | $50 | ||
Hospital Inpatient | ded., then 30% | ded., then 20% | ded., then 20% | ded., then 10% IN ded., then 40% OON |
|
Emergency Room Visit | ded., then 30% | ded., then 20% | ded., then 20% | ded., then 10% IN ded., then 40% OON |
|
RX (30 day supply) | Tier 1: | ded., then 50% ($125 max/fill) |
ded., then 50% ($125 max/fill) |
$10 | $15 |
Tier 2: | ded., then 50% ($125 max/fill) |
ded., then 50% ($125 max/fill) |
ded., then 20% | $30 | |
Tier 3: | ded., then 50% ($125 max/fill) |
ded., then 50% ($125 max/fill) |
ded., then 20% | $50 | |
Dental Coverage | No Dental | No Dental | No Dental | No Dental | |
Network Type | EPO | EPO | EPO | PPO |
Platinum Plan Options not available