RUTGERS BIOMEDICAL AND HEALTH SCIENCES

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/PT 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/