University Health Service (UHS)
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. You are responsible for paying for costs not covered by your insurance plan.
Insurance Options for Families:
- If you have a spouse/domestic partner and no children: The student and his/her spouse or domestic partner can enroll in the University-sponsored Aetna Student Health insurance for full-time students as long as the student is registered full-time and is enrolled in the plan. In 2015-16, the cost for health insurance for a student's spouse will be $2,460. The spouse must also pay the mandatory health fee, which will be $528 in 2015-16. The charge for the mandatory health fee will be billed to the student's tuition statement. The charge for the health insurance premium for a student's spouse is paid directly to Aetna Student Health. See "Fees for Students with Families" for a breakdown of fees and the fees for 2014-2015 and 2015-16.
- If you have a dependent child or children under age 26: Students who are enrolled in Aetna Student Health can enroll their dependent child(ren) in the plan. In 2015-16, the cost for health insurance for dependent children will be $2,460 for one child or $4,920 for two or more children. The mandatory health fee is not charged for dependent children since UHS does not provide services for children under age 16. If your child is 16 or over, please speak with the UHS Insurance Advisor about the mandatory health fee. See "Fees for Students with Families" for a breakdown of fees. The charge for the health insurance premium for dependent children is paid directly to Aetna Student Health.
Insurance through US Affordable Care Act Insurance Exchange
Students with a US Social Security number and history of paying taxes in their state of residence may be eligible for insurance through the US Affordable Care Act Insurance Exchange in that state. For those in New York, go to https://nystateofhealth.ny.gov/. For those from other states, do an internet search for the corresponding website or use http://www.health.gov/. Students, regardless of place of residence, who are parents of newborns should also check the insurance exchange websites for coverage options for their children. International graduates continuing in special University-sponsored programs (like OPT) in the United States should check with the ISO for information about HTH Worldwide. www.iso.rochester.edu/.
Completing the Health Insurance Enrollment/Waiver Process
- Health insurance is required for all full-time students. Each year every full-time student, whether new or returning, must complete the online Health Insurance Enrollment/Waiver Process during the open enrollment period to select their insurance coverage for the year. The link to the online insurance process is in the Quick Links box on the UHS home page.
- If you enroll in the Aetna Student Health insurance plan and want to enroll your spouse/domestic partner and/or their dependent children, the enrollment/waiver process must be completed during the appropriate open enrollment period or within 30 days of a qualifying event. See "Health Insurance for Full-time Students" for information about the fall and winter open enrollment periods and for information about enrolling during the year as a result of a qualifying event.
Contact the UHS Insurance Advisor at email@example.com if you have questions about the University-sponsored health insurance plan.