Medical care in the United States is extremely expensive. Without health insurance coverage, individuals who need medical care often go into debt for many years-sometimes for the rest of their lives-in order to pay back the medical provider (doctor or hospital) that treated their illness or injury.
For this reason, Rutgers University requires all F and J nonimmigrants who hold a Rutgers I-20 or DS-2019 to have health insurance that meets or exceeds the University's minimum required level of coverage. Please note that the requirement includes not only F-1 and J-1 visa holders on Rutgers' visa sponsorship, but also F-2 and J-2 visa dependents on Rutgers' visa sponsorship, as well.
- Rutgers' Minimum Required Level of Insurance Coverage.
- How to Meet Rutgers' Insurance Requirement.
- Overview of Student Health Insurance Procedures
Minimum Requirements for Health Insurance Coverage at Rutgers
All F-1s and J-1s on Rutgers' visa sponsorship and their F-2/J-2 visa dependents are required to have health insurance that provides at least the following level of coverage:
- The alternate coverage is currently active and the student agrees to maintain the health insurance coverage throughout the current semester
- The plan offers unlimited coverage with no maximum dollar limit
- The plan must include a minimum of $25,000.00 for repatriation of remains and $50,000.00 for medical evacuation.
- Plan deductible does not exceed $500 out of network per policy year
- Plan provides coverage in the campus area for inpatient and outpatient medical care in the immediate campus area.
- Plan provides mental health benefits which include chemical and substance abuse treatments.
- Plan provides preventative care services which include, but are not limited to, annual physicals, GYN exams, routine screenings and immunizations.
- Plan covers pre-existing conditions.
- Plan covers prescription drugs with no maximum dollar limit and a nationwide network of pharmacies. Plan must not be a reimbursement plan.
- The plan is provided by a company licensed to do business in the US with a US claims payment office and a US phone number.
- Plan must pay medical providers directly for inpatient and outpatient care (must not be a reimbursement plan).
The insurance policy available for purchase through Rutgers University offers the level of coverage listed above.