Student Health Insurance Plan 2013-2014 Academic Year
Dear UMDNJ Students and Parents:
UMDNJ is pleased to present you with information about the UMDNJ Student Health Insurance Plan. The Student Health Insurance Plan (SHIP) is serviced by University Health Plans and underwritten by UnitedHealthcare Insurance Company. We believe that many students and/or parents will be pleasantly surprised to find that the cost of our plan may be considerably lower than that of other insurance options, while providing more comprehensive coverage with lower out-of-pocket expenses. You may review the Plan benefits by going to www.universityhealthplans.com and click on UMDNJ.
In order to comply with the New Jersey State mandate all full-time graduate and undergraduate students must have health insurance coverage. UMDNJ initially charges all full-time students for the Student Health Insurance Plan $1,473. Students who have other health insurance coverage may opt out of the SHIP by submitting the online waiver form.
Full-time students are required to submit an online waiver form prior to the posted deadline each academic year. The Fall waiver deadline is September 30. Students who do not respond by the deadline will be automatically enrolled in the annual plan and will be responsible for paying the premium. Students who do not pay the assessed premium and who have not properly waived coverage will have a hold placed on their account until it is paid in full.
Part-time students who participate in clinical experience are required to have health insurance coverage. UMDNJ initially charges all part-time students in clinical rotation for the Student Health Insurance Plan $1,473. If you are part-time student and do not participate in clinical experience, you will NOT be automatically charged for the Student Health Insurance Plan. If you would like to purchase the coverage, you may do so by submitting the online enrollment form no later than September 30.
Waiver & Enrollment Instructions
The deadline to submit the online waiver form for the Fall 2013 semester is September 30, 2013.
To submit the online waiver, select either “Waiver Form” on the left of this page. When your waiver form has been successfully submitted, you will see a waiver confirmation number and receive a confirmation email to your University email address shortly thereafter. If you do not receive the confirmation email, your form may not have been submitted and you should contact University Health Plans at 1-800-437-6448 for assistance.
Students may also elect to add eligible dependents to their plan by going to www.universityhealthplans.com and click on UMDNJ.
Optional Dental and Vision Plans
UMDNJ is pleased to offer our students and their dependents a Dental and Vision insurance plan that is NOT required insurance and can be found at www.universityhealthplans.com and click on UMDNJ.
If you have questions about specific benefits or claims, please contact UnitedHealthcare at 800-505-4160. If you have questions about the waiver/enrollment process, dependents, and or optional plans, please contact University Health Plans at 800-437-6448 or via email firstname.lastname@example.org.
As of July 1, 2013, University of Medicine & Dentistry of New Jersey will become part of
Rutgers, The State University of New Jersey.
University Long-Term Disability Income Insurance
The University of Medicine and Dentistry of New Jersey, in conjunction with the American Medical Association (AMA) sponsored by Med Plus Advantage Program and Standard Insurance Company, will continue to provide disability income insurance tailored for our full-time students. This plan is designed to meet the particular needs and concerns of individuals who have chosen to dedicate themselves to the health professions. You are making a major investment in your future careers which can be placed at risk by the physical as well as financial effects of illness and disability.
The plan contains important features -- portability, guaranteed future insurability, and provisions such as a loan payoff, and lump sum and survivor benefits. Guaranteed portability after you graduate and leave the University, and the ability to purchase increased insurance benefits at a later date when your income has grown, without medical screening of any kind, are especially important. If you become totally disabled while you are a student and remain totally disabled, benefits are paid for life and are not offset by social security payments, worker’s compensation or other disability income insurance benefits.
The plan being offered for purchase is summarized on the accompanying attachment.
Highlights of the plan are:
- Guaranteed insurability – coverage will not be denied during the enrollment period.
- Favorable disability definition - As a full-time student, you will be considered disabled for the first 5 years if you cannot attend professional school on a regular basis and maintain your status as a student in good standing.
- If you become totally and permanently disabled, the plan will repay eligible student debt for which you are legally liable, college and/or school education expenses up to $200,000.
- Benefits are payable for life with waiver of premium if you are disabled.
- Portability - You may take this insurance protection with you when you leave UMDNJ. Full-time nursing students, allied health students and graduate students in the biomedical sciences may convert to group disability income product upon graduation.
- Any salary or other compensation of $3,000 or less received by a disabled student will not reduce the monthly disability benefit.
If you wish to enroll in this plan for the 2013-2014 Academic Year, fill out the enrollment form within 30 days of the start of your school year, include a check in the amount of $93.60 payable to Standard MPA Program and mail to Professional Benefit Consultants, Inc., 7525 S.E. 24th Street, Suite 350, Mercer Island, WA 98040. If you are unsure of your start date, call your Associate Dean for Student Affairs. If you have any questions, please contact the AMA Insurance Agency, Inc. (AMAIA) at 1-800-458-5736. Visit www.medplusadvantage.com for more information.
Disabilty Insurance Enrollment Form (PDF)
Disabilty Insurance Brochure (PDF) »