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Student Health Insurance

Medical students are required to have active health insurance for the full duration of their enrollment.

The University-sponsored health insurance plan, Aetna Student Health (PPO), can be waived if students provide proof of active health insurance and complete a Waiver of Insurance and Certification.

For all cost and detailed information on the University Health Plan, please click this link.

Questions about navigating the health insurance process? Contact Lisa Smalley at smalle31@rowan.edu. 

Frequently Asked Questions

Click this link to access the University Health Plan, and select from the options in the menu on the left side.
Click this link to access the University Health Plan, and select “Insurance ID Card” from the menu on the left side.
No, those are separate plans with an additional cost. Links to those plans can be found here.
  • To utilize an alternate insurance plan such as the ones listed below, you must submit a waiver to University Health Plans with proof of insurance by the deadline listed on their website.
  • NJ Family Care
    • For medical students with a NJ residence and financial need. **If you know in advance that you will be applying to NJ Family Care, it is suggested that you apply by August 1st at the latest, as it can take up to 90 days to receive an answer.**
  • International students with an F-1 visa may utilize the international student insurance plan offered by ISI or ISO. 
You need to fill out and submit the waiver for the University Health Plan by October 14, 2024. It is located on this website.
Yes, only if you have a Qualifying Life Event, which includes the following:
  • Turning 26 years old and will no longer be covered under a parent’s health insurance
  • Marriage
  • Child is born or adopted
  • Other Health Insurance coverage was terminated
You must contact University Health Plans within 31 days of the Qualifying Life Event/loss of coverage date at 1-833-251-1143.
See “Qualifying Life Event” in the answer to the question immediately above this for more information.
It is recommended that you apply approximately 90 days in advance if you are able to, as it may take that amount of time to receive a decision on coverage.
No. If you use the University Health Plan, it cannot be waived. Do not use the University Health Plan if you plan to submit a waiver, as it cannot be removed from your bill once you have utilized it.
No. Once you have the University Health Plan, you have it for the full year term of coverage. (No refunds)
  • All students are charged for the University’s health insurance plan on their fall tuition bill, unless the health insurance is waived. You must complete a waiver by the deadline that shows your required health insurance coverage, and the waiver must be approved for the charge to be removed from your tuition bill.
  • Step 1. You can use the provider search on Aetna’s website to see if the provider is listed. 
  • Step 2. Call your chosen provider’s office to make sure that they currently accept the insurance.

Long-Term Disability Insurance

All Rowan-Virtua SOM students have mandatory Long-Term Disability (LTD) coverage included in their tuition. After graduation, long-term disability coverage is available at a discounted rate.

Additional details and information on LTD are available at: www.amainsure.com/groupltd
In the “Enter ID” box under “Certificate of Coverage Search”, enter our ID number: 645440

Contact person for long-term disability:
Jack Gleaves
Business Development Executive
AMA Insurance Agency, Inc.
317-879-6988
Jack.Gleaves@amainsure.com