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69É«ÇéÊÓƵ Health Services

Through a special partnership with Valley Medical Group, students enrolled in the 69É«ÇéÊÓƵ–sponsored Student Health Insurance Plan (SHIP) through Aetna Student Health receive 100% coverage for covered services, including routine primary care visits, office consultations, and ACA compliant preventive services (such as annual physicals and immunizations) at the on-campus Health Services Center. These services come with $0 copay and $0 coinsurance.

However, this waiver does not mean that all medical care is free. You may still receive a bill for services that fall outside standard primary or preventive care.

Services not covered by the 100% waiver include, but are not limited to:

• Any services received outside of 69É«ÇéÊÓƵ Health Services: If you are referred to other providers (including those affiliated with Valley Medical Group), normal deductibles and copays apply.
• Laboratory work: Even if the lab work is drawn at 69É«ÇéÊÓƵ Health Services, the laboratory services themselves will be subject to normal deductibles and copays.
• Prescription Medications: Subject to standard pharmacy copays and any applicable deductible.
• Advanced Diagnostics: X rays, ultrasounds, complex lab work processed by outside laboratories (including those affiliated with Valley Medical Group), and specialized testing.
• Medical Supplies: Crutches, splints, boots, and specialized bandages.
• Emergency & Urgent Care: Emergency Room visits or care received at off campus urgent care clinics.

Before undergoing any procedure, test, or receiving medical equipment, we strongly recommend asking your provider whether the service will result in an additional charge under your insurance plan.

Student Health Insurance

Ramapo provides a College-sponsored student health insurance plan. Students have asked for this service and we listened, and have made available health insurance coverage for all full-time students. The plan being offered for academic year is through Aetna Student Health. Below is a summary of plan details:

Full-time students are automatically billed for health insurance. Students have the opportunity to waive/opt out of this coverage by providing evidence of health insurance coverage to the College-sponsored insurance company by the posted waiver deadline. The Fall 2026 deadline is September 25, 2026 and the Spring 2027 deadline (when applicable) is February 26, 2027. You must waive coverage by these deadlines or you will be enrolled in the plan and you will be responsible for the charge. To waive coverage and have this charge removed from your bill, please visit . Please allow two days from the date you successfully completed your waiver for the credit to appear on your account.

Fall Semester
The annual Health Insurance fee will be automatically billed to all full-time students during the Fall billing cycle. Students who waive their insurance in the Fall may not enroll in the Spring semester unless there is a Qualifying Life Event as defined by the plan. You may enroll in the health insurance plan within the first 31 days of the life event outside the Open Enrollment Period. To enroll due to a qualifying life event, contact University Health Plan at 833-251-1149.

Spring Semester
The Spring/Summer Health Insurance plan for the Spring semester will be billed to all new incoming full-time students for the Spring semester, and can be waived if that student has insurance coverage.

Health Insurance Enrollment/Waiver Information 
Students are required to enroll/waive the College-sponsored insurance plan each academic year. If you plan to keep the College-sponsored insurance, you may self-enroll prior to the College specified enrollment period. To self-enroll, please visit .

Effective October 27, 2025, your is retrievable on the Aetna Student Health website. This change will no longer allow access for instant download of insurance cards, and they will now be emailed to the student’s email address on file only.

Key Changes:

• Students will now be required to enter three pieces of information:
  • Student ID
  • Date of Birth
  • Email address on file with Aetna
• The digital ID card will be sent via secure email.
• The ID Card will no longer be able to be viewed or printed directly from the webpage.

The College reserves the right to audit all waivers in order to ensure compliance with the College insurance requirements. Please be sure to have a copy of your insurance policy as you may be asked to provide documentation. Pending insurance coverage or a letter from your employer or third company is NOT acceptable.

Part-time students
The College sponsored insurance plan is not available to part-time students at this time.

Other Coverage Options:
provides additional information about the health care law, helps you find insurance options, and connects you to your state’s health insurance coverage.

Contact Information
For more information or questions about the plan, visit or call 833-251-1149.