RUTGERS UNIVERSITY
Rutgers 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 RBHS Student 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 2016 Calendar Year (Essex County)* | ||||||
|---|---|---|---|---|---|---|
| Plan Level | LOWEST BRONZE |
LOWEST SILVER |
LOWEST GOLD |
LOWEST PLATINUM |
Rutgers University Student Plan | |
| Actuarial Value | 60% | 70% | 80% | 90% | 90% | |
| Insurer | Horizon Blue Cross Blue Shield of New Jersey | Oscar | Oscar | Horizon BCBS of NJ | United Healthcare | |
| Plan Name | Bronze EPO | Oscar Market Silver | Oscar Classic Gold | OMNIA Platinum On Exchange | Student Injury and Sickness Insurance Plan | |
| Premium | 21 year old $2,715 / yr 27 year old $2,845 / yr |
21 year old $3,052 / yr 27 year old $3,198 / yr |
21 year old $3,834 / yr 27 year old $4,018 / yr |
21 year old $5,682 / yr 27 year old $5,845 / yr |
Annual - $1,963** FT student rate |
|
| Deductible - individual | $3,000 | $2,500 | $1,500 | $0 Tier 1 | $100 IN $500 OON |
|
| Deductible - family | $6,000 | $5,000 | $3,000 | $0 Tier 1 | N/A | |
| OOP Max - Individual | $6,000 | $5,000 | $3,000 | $1,500 Tier 1 | $2,500 IN $10,000 OON |
|
| OOP Max - family | $6,850 | $6,850 | $6,000 | $3,000 Tier 1 | $5,000 IN $20,000 OON |
|
| PCP Office Visit | ded., then $30 | ded., then 50% | $0 | $5 | $25 copay IN ded., then 40% OON |
|
| Specialist Office Visit | ded., then $50 | ded., then 50% | 50% coinsurance | $15 | ||
| Hospital Inpatient | ded., then $500, then 50% | ded., then 50% | 50% coinsurance | $300 copay per day | ded., then 10% IN ded., then 40% OON |
|
| Emergency Room Visit | ded., then $100, then 50% | ded., then 50% | 50% coinsurance after ded. | $100 copay | ded., then 10% IN ded., then 40% OON |
|
| RX (30 day supply) | Tier 1: | ded., then 50% | ded., then $0 | $0 | $5 | $15 |
| Tier 2: | ded., then 50% | ded., then $50 | 50% coinsurance | 10% coinsurance | $30 | |
| Tier 3: | ded., then 50% | ded., then 50% | 50% coinsurance | 30% coinsurance | $50 | |
| Dental Coverage | No Dental | No Dental | No Dental | No Dental | No Dental | |
| Network Type | EPO | EPO | EPO | EPO | PPO | |
* https://www.healthcare.gov/health-plan-information/
** PT student rate is $4,303.