RIT expects all students to carry medical insurance. Insurance may be obtained through the University, or through family or individual policies. This coverage is essential for health care services provided outside the Student Health Center.
Before your student enters RIT, we strongly urge you to check the details of your insurance policy to make sure it provides coverage in the Rochester area. Not all insurance policies cover students outside their home "network". For example, state based Medicaid does not cover students outside their home state. If your policy does not cover services provided in the Rochester area, we strongly urge you to consider purchasing the RIT plan, a Student Accident and Sickness Insurance program.
The RIT plan provides coverage for a full calendar year and is not limited to services in the Rochester area. It provides coverage (within the limits specified by the policy) for:
Claim forms are available at the Student Health Center or may be downloaded from the broker's web site listed above. Insurance claims cannot be processed on-line.
The Student Health Fee and insurance are separate and cover different parts of the student’s health care while at RIT. The Student Health Fee covers services provided within the RIT Student Health Center (SHC) --which does not accept insurance as direct payment, and insurance is necessary to cover services outside the SHC.
All registered, full time undergraduates pay a mandatory student health fee each semester. Part time undergraduate, graduate and co-op students are not automatically billed for the health fee, but are welcome to access SHC services either by paying the semester health fee (for unlimited visits within the semester) or by paying a “fee for service” charge at each visit.
The Student Health Fee covers most of the services offered within the SHC, such as:
All RIT students are expected to carry insurance coverage to cover services provided outside the SHC, such as:
For students with insurance coverage provided by a spouse, parent or guardian whose home is outside the Rochester area, it is very important to check the policy thoroughly for coverage of health care services while “out of network”. If it does not, please consider purchasing the RIT plan.
NOTE: State based insurance plans such as Medicaid do not provide coverage outside the home state.
Make sure your student:
Fortunately, most college age young adults are healthy and we sincerely hope that is the case for your student while he/she is at RIT. However, the clinicians in the SHC see normally healthy students every day who have sustained an injury or developed an illness that requires prescription medication, a referral to a specialist or even hospitalization—inadequate insurance coverage may prevent access to appropriate care. Selecting an effective insurance plan is one of the most important ways you can support your student’s well-being.