Insurance

Insurance Requirement 

Requirement for the 2022-23 Academic Year

Undergraduate Students taking 12 or more credits, Graduate Students taking 9 or more credits and all International Students are required to have health insurance. Students required to have health insurance will be enrolled in and charged for the Student Health Insurance Plan (SHIP). Students may opt-out of the SHIP by submitting a waiver form documenting proof of comparable coverage. 

Insurance Cost & Coverage Periods

* cost and benefits are pending NJ Department of Insurance review and are subject to change

Plan Highlights

United Healthcare Student Resources provides the 2022-23 Rider University Student Health Insurance Plan (SHIP). The plan is ACA compliant and includes access to United Healthcare's National Network of PPO Providers. Students do not have to select a primary care physician and referrals are not required.

Please Note: due to the rising costs of healthcare and an increase in the utilization of the Rider student health insurance plan, the following plan changes have been imposed for the 2022-2023 policy year to help keep the insurance premium and the plan a viable option for students.

• The Deductible will increase to $250 In-Network and $500 Out-of-Network
• Out-of-Pocket Maximum will increase to $8,750 for medical and prescription costs In-Network and $17,400 Out-of-Network.
• Out-of-Network co-insurance will increase to 50%
• The prescription drug copayments will be as follows:
  • Tier 1: $10 copay
  • Tier 2: 50% co-insurance
  • Tier 3: 50% co-insurance

Before enrolling, we encourage students to compare all other insurance options. The New Jersey State Marketplace Website offers information about their online marketplace where you can compare and purchase insurance plans. You may be eligible for a Subsidized Health Plan (a low-or-no-cost insurance program for qualifying uninsured adults).

Rider University has partnered with University Health Plans to administer the plan and help with eligibility, waiver, enrollment, and general benefit-related questions. Please visit www.universityhealthplans.com/rider for more information. University Health Plans can be reached at 833-251-1146 or [email protected]. For specific benefit or claim-related questions please contact First Risk Advisors at 1-800-505-4160.   

Waiver and Enrollment

All full-time undergraduate and graduate students and all international students are required to have comprehensive health insurance coverage. You must WAIVE or ENROLL in the SHIP each academic year.

To waive or enroll in the student insurance plan:

1. Log in to myRider portal
2. Select the “Health Insurance waiver/enrollment” link in the “Personal Information” section (located on the bottom left)
3. Under “Student Health Plan” select “Waiver Form” or “Enrollment Form” from the menu on the left
4. Enter your student ID and DOB to access the form
5. Enter all information and submit your form. You will receive an email confirmation when complete.

Waiver Process

Students covered by a comprehensive health insurance plan in the area surrounding the Rider University campus, can opt-out of the SHIP by completing the waiver form. Before waiving, compare the cost, coverage, and benefits of the SHIP to your existing plan. If you do not submit a waiver form by the deadline above, you will be enrolled in the SHIP and responsible for the cost of the insurance plan. 

Enrollment Process

Domestic students planning to use the student health insurance plan should complete the enrollment form to transfer their information to the insurance company. Domestic students will not appear active in the insurance company's claim system until after the deadline above unless an enrollment form is submitted.  Students who do not submit a form by the deadline will be enrolled in the SHIP retroactive to the effective date of August 20, 2022. Please allow 7 days after you submit an enrollment form for your enrollment to be activated in the insurance company's database. International students will be automatically enrolled and do not need to complete an enrollment form. 

Qualifying Event Enrollment

Students who waived the SHIP may qualify for special enrollment rights if they incur an involuntary loss of other coverage. To request an enrollment form and premium quote, contact university health plans at 833-251-1146 or [email protected]. You must submit all qualifying event enrollment paperwork and documentation within 30 days of the qualifying event. 

Deadlines to Waive

Fall 2022: The last day to waive is September 23, 2022 

Spring 2023: The last day to waive is February 3, 2023

*Failure to waive by the deadline, even if you have other comprehensive coverage, will result in automatic enrollment in the plan and the student will be responsible for paying the premium even if you have other health insurance.

Any questions or concerns

Rider University has partnered with University Health Plans to administer the plan and help with eligibility, waiver, enrollment, and general benefit-related questions. University Health Plans can be reached at 800-437-6448 or [email protected]. For specific benefit or claim-related questions please contact First Risk Advisors at 1-800-505-4160.