Rider University
STUDENT HEALTH INSURANCE PLAN

2021-2022 Academic Year

Insurance Requirement

Undergraduate Students taking 12 or more credits, Graduate Students taking 9 or more credits and all International Students are required to have health insurance. Students required to have health insurance will be enrolled in and charged for the Student Health Insurance Plan (SHIP). Students may opt-out of the SHIP by submitting a waiver form documenting proof of comparable coverage. 

Insurance Cost & Coverage Periods

* cost and benefits are pending NJ Department of Insurance review and are subject to change

  Annual Students New Spring Students
Coverage Dates  August 20, 2021 – August 19, 2022  January 15, 2022 – August 19, 2022
Cost Pending NJ DOI Approval Pending NJ DOI Approval
International Student Deadline September 10, 2021 February 5, 2021

Domestic Student Deadline

September 24, 2021

February 5, 2021

Plan Highlights

United Healthcare Student Resources provides the 2021-22 Rider University Student Health Insurance Plan (SHIP).  The plan is ACA compliant and includes access to United Healthcare's National Network of PPO Providers. Students do not have to select a primary care physician and referrals are not required.

Please Note: due to the rising costs of healthcare and an increase in the utilization of the Rider student health insurance plan, the following plan changes have been imposed for the 2021-2022 policy year to help keep the insurance premium and the plan a viable option for students.

  • Out of Pocket Maximum will increase to $8,000 for medical and prescription costs
  • The prescription drug copayments will change as follows:
    • Tier 1: $10 copay
    • Tier 2: 20% co-insurance
    • Tier 3: 20% co-insurance

Before enrolling, we encourage students to compare all other insurance options. The New Jersey State Marketplace Website offers information about their online marketplace where you can compare and purchase insurance plans. You may be eligible for a Subsidized Health Plan (a low-or-no-cost insurance program for qualifying uninsured adults).

Rider University has partnered with University Health Plans to administer the plan and help with eligibility, waiver, enrollment, and general benefit-related questions. University Health Plans can be reached at 800-437-6448 or info@univhealthplans.comFor specific benefit or claim-related questions please contact First Risk Advisors at 1-800-505-4160.   

Waiver Process

Students covered by a comprehensive health insurance plan in the area surrounding the Rider University campus, can opt-out of the SHIP by completing the waiver form. Before waiving, compare the cost, coverage, and benefits of the SHIP to your existing plan. If you do not submit a waiver form by the deadline aboveyou will be enrolled in the SHIP and responsible for the cost of the insurance plan. 

Enrollment Process

Domestic students planning to use the student health insurance plan should complete the enrollment form to transfer their information to the insurance company. Domestic students will not appear active in the insurance company's claim system until after the deadline above unless an enrollment form is submitted.  Students who do not submit a form by the deadline will be enrolled in the SHIP retroactive to the effective date of August 20, 2020. Please allow 7 days after you submit an enrollment form for your enrollment to be activated in the insurance company's database. International students will be automatically enrolled and do not need to complete an enrollment form. 

Qualifying Event Enrollment

Students who waived the SHIP may qualify for special enrollment rights if they incur an involuntary loss of other coverage. To request an enrollment form and premium quote, contact university health plans at 800-437-6448 or info@univhealthplans.com. You must submit all qualifying event enrollment paperwork and documentation within 30 days of the qualifying event.