Health Insurance for Families, Family Insurance

Health Insurance for Families

If your spouse and children will be with you in Rochester, we recommend that you purchase health insurance for them to help cover the cost of your family's health care needs while you are a student. Health insurance generally covers the cost of services such as hospitalization, surgery, and diagnostic laboratory tests and x-rays. The amount of coverage will depend on the insurance plan you choose. Health insurance will not cover all of your family's health care needs. For example, health insurance usually does not cover the cost of visits to doctors' offices. You are responsible for paying for costs not covered by your insurance plan.

BCBS Insurance for Students with Spouse/Domestic Partner(no children)- Both the student and the spouse/domestic partner can each enroll in the BCBS insurance for individual students.

University High Deductible Plan for Students with a Dependent Child or Children - This plan is for students with a dependent child or children. Students with children may want to check to see if their children are eligible for coverage through Healthy New York.

Insurance Options Through New York State - Students are encouraged to check their eligibility for insurance through Healthy New York. These programs provide free or low cost health insurance for adults and children in New York State. Links to the Healthy New York options are included in this section.

A Note About ValuMed- ValuMed is a lower cost and lower benefit health insurance option available in the Rochester area. If you are considering this insurance, check the benefits, exclusions, and out-of-the-pocket expenses carefully. While ValuMed may provide a more affordable option for students with families, we are concerned that this plan does not provide adequate coverage for students and their families.

Completing the Health Insurance Selection Process

Health insurance is required for all full-time students. Students select their insurance option by completing the on-line Health Insurance Selection Process every year.

Health Insurance Selection Process

Enter your UR Net ID and password.

Select your insurance option.

Hit "Continue" at the bottom of the screen.

Enter information in the fields noted with an *.

The system will confirm your insurance selection.

If you are selecting family insurance, you will also need to complete the University High Deductible Plan Enrollment Form.

If you are waiving the UR-sponsored insurance, have your insurance card handy in order to provide the required information. You should find the information about your insurance company on your insurance card.

Suggested Dates for Completing the Health
Insurance Selection Process

Students should complete the Health Insurance Selection Process prior to the start of classes. For undergraduate students, completing the process by June 30 will assure correct billing on the first tuition bill the student receives. For graduate students and medical students, completing the form by August 31 is recommended. Incoming first year medical students should complete the selection process by July 31. (The recommended date for students beginning in May is April 15. For students beginning in January, the recommended date for completing the selection process is December 15.)

Changing Your Insurance Selection

If you should need to change your insurance option during the year, you can re-enter the Health Insurance Selection Process to make the change. Any change you make during the year will take effect on the first of the month after you have submitted the change on-line. You will be charged a pro-rated fee based on the number of months of coverage. The fee will be charged to your tuition bill.

Health Insurance for Families, Family Insurance

Health Insurance for Families

Completing the Health Insurance Selection Process

Suggested Dates for Completing the Health Insurance Selection Process

Changing Your Insurance Selection

Suggested Dates for Completing the Health
Insurance Selection Process