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University Health Service

Health Insurance for Full-Time Students

Student Health Program
University Insurance Criteria
UR Student Health Insurance Plan (Aetna)

All full-time students participate in the Student Health Program, which includes the mandatory health fee and health insurance. The mandatory health fee covers visits with health care providers at the University Health Service (UHS) and the University Counseling Center (UCC). In addition to this fee, students must have health insurance to cover services such as diagnostic laboratory tests and x-rays, visits with specialists, surgery, hospitalization, and prescription medication.

The University Health Service offers the UR Student Health Insurance Plan (Aetna). Students can either enroll in this plan or they can waive this plan if their health insurance plan meets University Insurance Criteria. Requests to waive the UR Student Health Insurance Plan (Aetna) may be audited to verify coverage. International-based insurance plans often do not meet University criteria. See “Insurance with an International-based Company” below for more information.

Completing the Online Insurance Process

Every year all full-time students, whether new or returning, must document their health insurance coverage by completing the Online Insurance Process during the appropriate open enrollment period. Students who enroll in the UR Student Health Insurance Plan (Aetna) are enrolled on the plan from August 1 through July 31 (January 31 if graduating in December). Students enrolling in UR Student Health Insurance Plan (Aetna) may enroll eligible dependents. The same deadlines apply.

Winter Open Enrollment is now closed. The Online Insurance Process site will re-open for Fall Open Enrollment on June 6. If you have questions about health insurance, please write to the UHS Insurance Advisor at insurance@uhs.rochester.edu.

Open Enrollment Periods:

  • Fall Open Enrollment – June 6 – September 15. Students who will be full-time in the Fall semester must complete the Online Insurance Process during the Fall Open Enrollment period. Students who are beginning their full-time studies before August 1 need to complete the process to enroll or waive the insurance in two steps.
  • Winter Open Enrollment – November 7 – January 31. Students who begin their full-time studies in January must complete the Online Insurance Process during the Winter open enrollment period. Access to the Online Insurance Process during this time period is limited to students who are beginning full-time studies in January or who are returning to full-time status in January (i.e., return from study abroad).

If your request to waive is denied, you can appeal the denial or you can enroll in the UR Student Health Insurance Plan (Aetna). Appeals must be submitted by September 15. Contact the UHS Insurance Advisors at insurance@uhs.rochester.edu for assistance.

Failure to complete the Online Insurance Process during the appropriate open enrollment period will result in automatic enrollment in the UR Student Health Insurance Plan (Aetna) for the full year (i.e., August 1 through July 31). Enrolling in this way is highly discouraged since it could lead to a delay in access to care during the first two months of the plan. You will not be allowed to disenroll from the insurance plan during the plan year.

Printing Your Insurance Card

If you are enrolled in the UR Student Health Insurance Plan (Aetna), you can print a copy of your insurance card by going to the Aetna Student Health web site. Insurance cards will be mailed to enrolled students, generally within 10-14 days after you have completed the online process. Insurance cards are not mailed to international addresses. If you entered an international address into the online system, you can change your address to your Rochester address by calling Aetna at 800-897-7042. You may want to save a copy of your insurance card on your phone for easy access whenever you need your card.

Changing Your Insurance Status During the Plan Year

If you should experience a qualifying life event (e.g., loss of coverage through your parent or spouse, birth of a child, marriage, divorce, or spouse entering the United States mid-year) during the year and want to enroll in the UR Student Health Insurance Plan (Aetna), please contact the UHS Insurance Advisor for assistance.

  • You must complete the Qualifying Life Event Form within 30 days of the qualifying event.
  • When submitting the Qualifying Life Event Form, you must provide proof of the qualifying life event (i.e., letter from the insurance company, your visa showing your date of entry to the United States, marriage certificate, your child’s birth certificate).

Insurance with an International-based Company

International-based plans often do not meet University Insurance Criteria for waiver. For this reason, we recommend checking the University Insurance Criteria carefully before deciding to purchase insurance from an international-based company. Your plan must meet all of the University Insurance Criteria to qualify for waiver of the University-sponsored insurance plan.

Health Insurance for Specific Student Groups

Student Dental Insurance Plan

The Eastman Institute for Oral Health on Elmwood Avenue by the UR Medical Center offers a Student Dental Plan for full-time students. The plan brochure and application form are available on the Eastman Institute for Oral Health web site. The open enrollment period is from September 1 through October 31, with coverage from September 1 through August 31. If you have questions about the Student Dental Insurance Plan, please call (585) 275-9214.

 

Vision and Dental Care

The student plan does not cover routine vision or dental care. Adding vision and dental care benefits to the UR Student Health Insurance Plan (Aetna) would significantly increase the cost for the insurance plan. The UR Student Health Insurance Plan (Aetna) covers care for illness, accident, or injury to eyes and injury with damage to previously sound, natural teeth (up to $1,000/plan year).

Routine Vision Care: The Flaum Eye Institute in the UR Medical Center offers comprehensive eye care and optical support at several locations nearby.

Routine Dental Care: In the U.S., routine dental care is usually covered by a separate dental plan. The Eastman Institute for Oral Health (EIOH) on Elmwood Avenue by the UR Medical Center offers a Student Dental Plan for full-time students. The open enrollment period is from September 1 through October 31. Check the EIOH website for information about the plan and an application form.

The Eastman Institute for Oral Health offers comprehensive dental care. You do not need to enroll in the Student Dental Plan to use the services offered by the Eastman Institute for Oral Health. An option for routine teeth cleanings at a very low cost is the Dental Hygiene Clinic at Monroe Community College, which is located on East Henrietta Road.