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Student Insurance Services

STUDENT INSURANCE SERVICES

Students must maintain active health insurance coverage while in attendance at the University. Students are required to purchase the RFU Student Health Insurance Plan (SHIP) each academic year. Students who have insurance coverage may apply for a waiver to opt out of the SHIP. 

RFU Student Health Insurance Standards

Health insurance policies must meet minimum standards set forth by the Health Advisory Committee.  Coverage must meet the following criteria:

  • Plan provides comprehensive coverage of health services, including primary care, emergency services, surgical services, hospitalization benefits, ambulatory patient services, and mental health services in the area the student will be studying
  • Plan provides the student with an identification card and/or policy information
  • Plan includes medical evacuation and repatriation expenses for F-1 Visa students
  • Plan does not contain any clauses limiting/excluding coverage based on any pre-existing conditions
  • Plan covers prescriptions
  • Plan does not have a maximum annual limit
  • Plan will provide coverage for the entire academic year.  
  • Plan is provided by a company licensed to do business in the United States, with a U.S. claims payment office and a U.S. phone number

Check If Your Health Plan Covers Medical Expenses out of State

In many cases, a health insurance restricts you to a network of healthcare providers. Understanding the terms of your health insurance policy will help you know if your plan includes providers out of state or not. To find out, call your plan administrator and ask. Figuring these things out on your own could be tricky and you do not want to end up not being covered for a health insurance claim. The network providers in a health insurance plan vary depending on what kind of health insurance plan you have.

5 Questions To Ask About Out of State Health Insurance 

  1. Ask your health insurance company if there are any local service providers at your destination that will cover you under your plan. Ask if any states are restricted. 
  2. Your health insurance plan may cover emergencies, but how different companies define the term "emergency" is important. A lot of people end up paying for "emergency expenses" when the insurance company has a different definition of what an emergency is. Ask for the exact definition
  3. Ask if urgent care facilities are covered or if only emergency rooms are covered. You wouldn't want a claim denied for going to the wrong place.
  4. Ask what additional coverage is included in the emergency medical care for you and your family at your travel destination. 
  5. Find out how claims payment works: what documents you need, if you will have to pay in advance and request reimbursement, or if they have agreements with service providers in the state or states you will be traveling to. Find out if there are forms for Out-of-network physician’s claims.

August start health insurance portal opens June 25th through August 23rd.

For information about the RFU sponsored student health insurance plan and instructions to waive or enroll, visit Insite (Link to Insite, will require HelixNet Login).