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Health Insurance


RUSM requires all students to have health insurance coverage while enrolled at the University. To that end, the University makes a health insurance plan available to its students, their legal spouses and dependents. Students must either be enrolled in the RUSM sponsored medical plan or prove coverage under another plan.

Our coverage year is from August 25th of the current year to August 24th of the following year.  The coverage year is broken into three (3) trimesters for the purpose of billing.

The billing periods are as follows:

• Billed in July/August: Coverage for August 25 through December 25

• Billed in November/December: Coverage for December 26 through April 23

• Billed in March/April: Coverage for April 24 through August 24

The insurance rate is $904 per semester for the 2019-2020 plan year.  Insurance rates include an administration fee.

Roughly five (5) weeks prior to the start of these periods you will be billed for your coverage. Insurance charges will appear on your account as a separate item titled “Health Insurance”. Account summaries may be obtained by logging into myROSS. It is the student's responsibility to make sure the insurance enrollment or waiver information is current.

Please note: Students in clinical rotations may be billed for insurance separate from tuition charges. During the clinical semesters, tuition billing is based upon the completion of 15 weeks of rotations and is not based on the academic school year. Health insurance billing is billed according to the above schedule regardless of the clinical semester start date.


Student Enrollment

Students are automatically enrolled in the coverage once they are billed for their first semester of tuition and are responsible for those insurance charges unless they provide a valid insurance waiver during the open waiver period (August 15 - October 1st). Please be sure to verify your enrollment status at the start of each billing period. This coverage is also automatically applied to students on approved leaves of absence, vacation, temporary withdrawals, and while preparing for, and taking, the USMLE Step 1. Coverage during the approved time off for the USMLE Step 1 is automatic for one (1) coverage period. Additional coverage may be provided at the student’s request. Insurance for all students will continue to be charged until the student officially graduates or is permanently withdrawn from the University. Please note: completion of clinical rotations does not constitute official graduation. Please contact the Office of the Registrar to confirm your official graduation date.


Waiving Coverage

Continuing students (which includes students returning from leave), may waive coverage only once per year during the open waiver period which is from August 15th to October 1st. 

Students who have their own coverage, or are covered by a parent or spouse’s insurance plan may waive the Ross University provided insurance during the open waiver period only as stated above. Basic science students, including those attending IMF, and all clinical students post-IMF who elect to waive the school sponsored health insurance plan must fill out an electronic waiver form by logging onto Aetna Student Health

Once a waiver is applied to a student’s account, the waiver remains in effect until the following August or until a student requests to be reinstated in the University sponsored insurance plan. There is no need to file additional waivers unless the student changes insurance plans. Waivers will be accepted at the start of the annual coverage period (August 15th) up until the waiver deadline (October 1st).  Waivers received after the deadline cannot be accepted.  Incomplete or late waivers received by the Office of Student Finance will not be processed and students will be billed insurance for the remainder of the academic year (August to August).

Important: Newly enrolled students into the Aetna health plan will be able to waive insurance during the first thirty (30) days after becoming enrolled. After the thirty (30) day deadline, students who do not waive insurance will be enrolled for the remainder of the academic year. Your next opportunity to waive will be the following August.

  • If you are a new enrollment for the September semester, you have from August 15th to October 1st to request a waiver of the insurance.
  • If you are a new enrollment for the January semester, you have from December 15th to February 1st to request a waiver of the insurance.
  • If you are a new enrollment for the May semester, you have from April 15th to June 1st to request a waiver of the insurance.


Reinstatement of Coverage

Students who have previously waived the University sponsored insurance must do so by submitting an electronic reinstatement form available by logging into myROSS. Students must file reinstatement requests in a timely manner to avoid any gaps or lapses in insurance coverage.


Spouse and Dependent Enrollment

At the beginning of each coverage period, students, at their own cost, may elect additional coverage for their legal spouse and/or dependent(s). For this additional coverage, students must fill out the online Enrollment Form available from Aetna Student Health. All premiums for spouse or dependent coverage must be made directly to Aetna Student Health. For further information on spouse and dependent coverage, including application due dates please visit the Aetna Student Health website or call 1-877-381-3551.


Other Insurance Information

You are highly encouraged to create an Aetna Navigator account to easily access your personal information, print and request ID cards and review your claims.  Students can also enroll in voluntary term life insurance, dental discount programs for an additional cost at www.aetnastudenthealth.com.  There are health programs such as vision discounts and gym discounts available. 

For information on claims, coverage benefits, or to obtain a new insurance card please contact Aetna Student Health at 1-877-381-3551.

For information on emergency evacuation services and other travel benefits, please visit On Call International.

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