RIT expects all students to carry medical insurance. Insurance may be obtained through the Institute, or through family or personal policies. This coverage is essential for health care services provided outside the Student Health Center.
A Student Accident and Sickness Insurance Program, underwritten by the Aetna Life Insurance Company, is available through the Institute for an additional cost. The Plan provides coverage within the limits specified by the policy for: hospitalization due to sickness or injury, emergency care, psychiatric care, out-patient services such as laboratory and X-ray procedures, referral to specialty providers and reimbursement for prescription medicines. The Plan provides coverage for a full calendar year and is not limited to services in the Rochester area.
Enrollment in the Institute plan is voluntary for all students except certain international students. Please note: not all insurance policies will cover students outside their home "network". Please check the details of your policy before arriving at RIT. If your policy does not cover services provided in the Rochester area, consider purchasing the RIT Aetna plan.
*Medicare may cover services outside a student's home state but Medicaid will not.*
Questions about the policy, coverage or claims may be directed to:
Health Plans, Inc.
1 Batterymarch Park
Quincy, MA. 02169
The Claims Administrator:
P.O. Box 15708
Boston, MA. 02215
(800) 466-3185 (V)
(800) 466-5996 (TTY)
Claim forms are available at the Student Health Center or may be downloaded from the broker's web site listed above. Insurance claims can not be processed on-line.
An insurance representative is available in the SHC during specific times to answer questions and assist with problems. Please call 585-475-2255, or stop by the SHC to make an appointment.
What is the difference between the student health fee and insurance? Do I have to have both?
The student health fee and insurance are separate and cover different parts of your health care while at RIT.
Student Health Fee
All registered, full time undergraduates pay a mandatory student health fee each quarter. The health fee covers most of the services offered within the SHC, such as:
- Primary care appointments with a physician or nurse practitioner
- Women's health care services
- Psychiatric services
- Some tests done within the SHC laboratory
- Health education counseling and programming
- Some in-office lab tests, immunizations and medications purchased within the SHC are not covered by the health fee.
- The SHC does not accept insurance for direct payment of these charges. Cash, check, TigerBucks and VISA/MasterCard are the only accepted methods of payment within the SHC.
- If requested, you will be given a receipt which you may then submit to your insurance company for reimbursement.
- Referrals to specialty providers (orthopedics, dermatology, etc.)
- Lab tests sent to a commercial laboratory
- X-rays and other imaging tests
- Prescription medications purchased outside the SHC
- Urgent care and emergency room visits
- Know the name of your insurance company
- Bring a copy of your insurance card to every SHC appointment (we need the information if we send lab tests out or make a specialty referral)
- Know the basics of your plan, especially regarding out of network coverage
- Keep a copy of your policy with you on campus to refer to if needed
- Keep a copy of any claim forms or know how to obtain them if needed
- $500 Annual Maximum benefit per member per calendar year
- No deductibles
Part time undergraduate, graduate and co-op students are not automatically billed for the health fee. They may still access SHC services either by paying the quarterly health fee (for unlimited visits within the quarter) or by paying a “fee for service” charge at each visit.
All RIT students are expected to carry insurance coverage to cover services provided outside the SHC, such as:
Students may purchase insurance coverage through a special Aetna Student Accident and Sickness Plan offered through RIT. The plan provides coverage for a full calendar year and is not limited to services within the Rochester area.
For students whose insurance coverage is provided by a spouse or parent whose home is outside the Rochester area, it is very important to check the policy thoroughly for coverage of health care services “out of network”. If it does, please check to see what the policy requires for benefit coverage while the student is away from home. If it does not, please consider purchasing the RIT plan.
Note: state insurance plans such as Medicaid do not provide coverage outside the home state.
For more information, please see the insurance information page.
Student Dental Plan RIT Global Risk Management Services
In addition to accident and sickness insurance, RIT Global Risk Management Services offers a student dental plan. All dental services provided by the University Dental Faculty Practice Group and Eastman Dental Center are covered at 100%, subject to the following limits:
Coverage is underwritten by
Blue Cross and Blue Shield of the Rochester Area.
Enrollment forms are available at the RIT Global Risk Management Services website.
Out-of-Network Benefits (at non-participating treatment locations)
All Out-of-Network services are covered at 50% of the fee schedule allowance up to the $500 Annual Maximum benefit.
STUDENT DENTAL PLAN PARTICIPANTS - Coverage at 100%:
University Dental Faculty Practice Group
| Department of Dentistry
4th floor Ambulatory Center
601 Elmwood Avenue
Rochester, NY 14642
| Clinton Crossing – Building H
2400 S. Clinton Avenue
Rochester, NY 14618
Eastman Dental Center
625 Elmwood Avenue
Rochester, NY 14620
(585) 275-5051 - information
(585) 275-6006 – appointments
Hours of Service:
|Tuesday & Thursday||9:00AM-9:00PM|
Important note for Student Dental Plan participants: Services provided by other providers are covered at 50% of the fee schedule.