Health Insurance

All students are expected to have health insurance coverage for services provided outside of the Student Health Center at RIT. Health insurance coverage ensures that students receive the appropriate medical care in the event of an injury or illness that requires prescription medication, a referral to a specialist, or even hospitalization.

Health insurance may be obtained through the university, or through family or individual policies. The Case Management team at RIT is available to help students navigate their health insurance.

RIT Student Health Insurance Plan Coverage

RIT offers a comprehensive, global health insurance policy through Aetna Student Health, which is administered by Gallagher Student Health. The RIT plan provides year-round coverage and is not limited to services in the Rochester area.

The RIT plan covers the following services, within the limits specified by the policy:

  • Hospitalization due to sickness or injury
  • Emergency care
  • Psychiatric care
  • Out-patient services (lab tests, x-rays and other imaging tests, etc.)
  • Referral to specialty providers (orthopedics, dermatology, etc.)
  • Prescription medicines with a 2 tiered co-pay
  • Some preventative services, including immunizations

Please note, if you are using the RIT Student Health Insurance Plan and have not received your insurance policy number or group number, please enter "none" when completing the form in the RIT Wellness Portal. If you have questions regarding the RIT Student Health Insurance policy, coverage, or claims, contact the Claims Administrator directly:

Gallagher Student Health & Special Risk
500 Victory Road
Quincy, MA 02171
Phone: 844-333-1464
Fax: 617-479-0860

Family or Individual Policy Coverage

RIT expects all students to carry medical insurance. This coverage is essential for off-campus health care services. Before arriving at RIT, we strongly urge students with insurance coverage provided by a spouse, parent, or guardian to check the details of their insurance policy to make sure it provides coverage in the Rochester area.

Not all insurance policies cover students outside of their home network, and some only provide very limited coverage. For example, state-based insurance plans, such as Medicaid, do not provide coverage outside of the home state. If your policy does not cover services provided in the Rochester area, we strongly encourage you to consider purchasing the RIT Student Health Insurance Plan, a Student Accident and Sickness Insurance program.


Medical clinicians at the Student Health Center may refer students to health care professionals in the community as needed for specialty care. Our office maintains a list of frequently used specialty providers in the area and can assist students with the appointment process.

Students with insurance through the RIT Plan should:

  • Review the specifics of your coverage
  • Bring an insurance claim form to every visit
  • Contact the insurance company if you have any questions about your insurance coverage
  • Be aware that RIT insurance may not cover 100% of the cost of the visit and you would be responsible for paying the difference

Students with non-RIT Insurance should:

  • Check your insurance policy to confirm that there is coverage for the Rochester area (this may be considered “out of network” if your home area is outside of Rochester)
  • Check to see if you may be referred by a Student Health Center clinician or if you must be referred by your primary medical provider at home
  • Review your insurance plan website to identify specialist providers in the Rochester area who are covered by their plan
  • Bring an insurance claim form to every visit

Fees and Payment

The Student Health Services Fee and health insurance cover different aspects of the student’s health care while at RIT. Health insurance is necessary to cover services outside of the Integrated Health Services consisting of Student Health Center, Counseling and Psychological Services and Case Management.

The Student Health Fee covers services provided at RIT. We do not accept insurance as direct payment.

Learn more about the Student Health Services Fee