Ramapo College of New Jersey
STUDENT HEALTH INSURANCE PLAN

2026-2027 Academic Year

Health Insurance Requirement

Full-time students (undergraduate students taking 12 or more credits, and graduate students taking 9 or more credits) are automatically billed for the College-Sponsored Student Health Insurance Plan (SHIP). Part time students are not eligible for SHIP. Students may waive (opt out) of this coverage by submitting the waiver form and providing proof of other health insurance before the deadline. To waive coverage and have the charge removed from your bill, please click on the Waiver Form link in the left-hand navigation menu. 

Insurance Cost & Coverage Periods

BENEFIT CHANGE FOR 2026-2027: The plan will now include a $250 annual pharmacy (Rx) deductible. This deductible must be met before pharmacy benefits are paid.

Plan Highlights

The Student Health Insurance Plan is provided by Aetna Student Health. The plan complies with the Affordable Care Act benefit requirements and includes access to the nationwide Aetna PPO Network. Students do not have to select a primary care physician and referrals are not required. You can view the Plan Design and Benefit Summary located under Benefit Information in the left-hand side navigation menu.

ID Cards may be downloaded on or after the plan effective date using the ID Card Retrieval Tool on the Aetna student health website (linked on the left-side toolbar).

Ramapo has partnered with University Health Plans to administer the plan and assist with waiver, enrollment, or benefit-related questions. University Health Plans can be reached at 833-251-1149 or info@univhealthplans.com. For specific benefit or claim-related questions, please contact Aetna at 866-381‐1529.   

Health Insurance Enrollment/Waiver Information

Students are required to enroll in or waive the College-Sponsored Student Health Insurance Plan each academic year. If you plan to keep the Student Health Insurance, you may confirm enrollment before the College's specified enrollment period. The enrollment form link is located on the left-hand side menu. The College reserves the right to audit all waivers to ensure compliance with the College's insurance requirements. Please be sure to have a copy of your insurance policy, as you may be asked to provide documentation. Pending insurance coverage, a letter from your employer, or a third party is NOT acceptable.

The Annual Student Health Insurance fee is billed to all full-time students during the Fall billing cycle. Students who waive coverage in the Fall cannot enroll in the Spring semester unless they experience a Qualifying Life Event as defined by the plan.

The Spring/Summer Student Health Insurance fee will be automatically billed to all NEW incoming full-time students for the Spring semester. This charge can be waived if the student already has qualifying health insurance coverage by filling out the waiver form linked in the left-hand side menu.

Early Termination Requests

Ramapo College of New Jersey and Aetna Student Health DO NOT prorate health insurance premiums or adjust effective dates of coverage. Students will not be removed from SHIP coverage based upon graduation, withdrawal from the University, or a new insurance plan post-waiver deadline. SHIP coverage will remain in effect until the end of the policy period.

Qualifying Event

Students who waive the insurance in the fall are not eligible to enroll in the spring semester. Enrollment after a waiver is only allowed if the student experiences a Qualifying Life Event that results in the loss of other health insurance coverage. If this occurs, please fill out the qualifying event enrollment form on the left sidebar within 31 days of losing coverage.  All qualifying events require documentation as proof of the loss of coverage.

Contact Information

For more information or questions about the plan, please contact University Health Plans at 833-251-1149.