Rider University
STUDENT HEALTH INSURANCE PLAN
2023-2024 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. Domestic students intending to enroll in the SHIP should submit an enrollment form to confirm enrollment. Students that take no action will be enrolled after the deadline and responsible for the premium charged to the tuition statement.
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, 2023 – August 19, 2024 | January 15, 2024 – August 19, 2024 |
| Cost * | $2,856 | TBD |
| Waiver/Enrollment Deadline | September 22, 2023 | TBD |
Plan Highlights
United Healthcare Student Resources provides the 2023-24 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; 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 2023-2024 policy year to help keep the insurance premium and the plan a viable option for students.
- The Out-of-Pocket Maximum will increase to $9,100 in-network and $18,200 out-of-network.
- The Tier 1 prescription drug copayments will increase to $15
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 833-251-1146 or info@univhealthplans.com. For 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 above, you will be enrolled in the SHIP and responsible for the cost of the insurance plan.
Enrollment Process
Although domestic students are automatically charged for the SHIP, domestic student information is not transferred to UHCSR until the deadline. Domestic students planning to use the student health insurance plan should complete the enrollment form to transfer their information to the insurance company. Students who do not submit a form by the deadline will be enrolled in the SHIP retroactively, effective August 20, 2023. Please allow 5 business days after you submit an enrollment form for your enrollment to be activated in the insurance company's database. International students are automatically enrolled in the plan at registration; no additional action is required.
Eligibility
The student must actively attend classes for at least the first 31 days after the date for which coverage is purchased. Home study, correspondence, and online courses do not fulfill the student's eligibility requirements to actively attend classes. The Company maintains its right to investigate eligibility, student status, and attendance records to verify that the Policy eligibility requirements have been met. If and whenever the Company discovers that the Policy eligibility requirements have not been met, its only obligation is to refund premium contribution amounts.
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 833-251-1146 or info@univhealthplans.com. You must submit all qualifying event enrollment paperwork and documentation within 30 days of the qualifying event.
Student Health Plan
- Waiver Form
- Enrollment Form
- Qualifying Event Enrollment Form
- Prescription Drug List
- 1095-B Form
- Travel Assistance Services
- Insurance ID Card
- Confirmation of Coverage Letter
- Student Assistance Program
Additional Information
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 2023-2024 policy year to help keep the insurance premium and the plan a viable option for students.
- The Out-of-Pocket Maximum will increase to $9,100 in-network and $18,200 out-of-network.
- The Tier 1 prescription drug copayments will increase to $15
In addition to the 2023-3034 changes, the plan design changes from 2022-2023 can have a significant impact on your out-of-pocket costs, if you need drugs that will require you to pay 50% of the medication's cost up to the out-of-pocket maximum. Before enrolling, we encourage students impacted by the plan's high prescription out-of-pocket cost, 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).
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 2023-2024 policy year to help keep the insurance premium and the plan a viable option for students.
- The Out-of-Pocket Maximum will increase to $9,100 in-network and $18,200 out-of-network.
- The Tier 1 prescription drug copayments will increase to $15
In addition to the 2023-3034 changes, the plan design changes from 2022-2023 can have a significant impact on your out-of-pocket costs, if you need drugs that will require you to pay 50% of the medication's cost up to the out-of-pocket maximum. Before enrolling, we encourage students impacted by the plan's high prescription out-of-pocket cost, 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).
With the rising cost of healthcare and a significant increase in utilization of the Rider Student Health Insurance plan, the following changes have been made to 2022-2023 policy to keep the premium and plan a viable option for students.
- The Deductible will increase to $250 In-Network and $500 Out-of-Network
- Out-of-Pocket Maximum will increase to $8,750 for medical and prescription costs In-Network and $17,400 Out-of-Network.
- Out-of-Network co-insurance will increase to 50%
- The prescription drug copayments will be as follows:
- Tier 1: $10 copay
- Tier 2: 50% co-insurance
- Tier 3: 50% co-insurance
The plan design changes for 2022-2023 can have a significant impact on your out-of-pocket costs, if you need drugs that will require you to pay 50% of the medication's cost up to the $8,750 or $17,400 out-of-pocket maximum.
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).
To proceed to the enrollment form, you must read and acknowledge the statements below:
- I understand the plan design change for 2022- 2023 can have significant impact on my out of pocket cots, specifically for prescription costs which I may be required to pay 50% of the prescription cost up to the $8,750 or $17,400 out-of-pocket maximum.
- I have compared all other issuance options and choose to enroll in the Rider University 2022-2023 student health insurance plan.
With the rising cost of healthcare and a significant increase in utilization of the Rider Student Health Insurance plan, the following changes have been made to 2022-2023 policy to keep the premium and plan a viable option for students.
- The Deductible will increase to $250 In-Network and $500 Out-of-Network
- Out-of-Pocket Maximum will increase to $8,750 for medical and prescription costs In-Network and $17,400 Out-of-Network.
- Out-of-Network co-insurance will increase to 50%
- The prescription drug copayments will be as follows:
- Tier 1: $10 copay
- Tier 2: 50% co-insurance
- Tier 3: 50% co-insurance
The plan design changes for 2022-2023 can have a significant impact on your out-of-pocket costs, if you need drugs that will require you to pay 50% of the medication's cost up to the $8,750 or $17,400 out-of-pocket maximum.
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).
To proceed to the enrollment form, you must read and acknowledge the statements below:
- I understand the plan design change for 2022- 2023 can have significant impact on my out of pocket cots, specifically for prescription costs which I may be required to pay 50% of the prescription cost up to the $8,750 or $17,400 out-of-pocket maximum.
- I have compared all other issuance options and choose to enroll in the Rider University 2022-2023 student health insurance plan.