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Healthcare for Dependents

Health insurance coverage for your family is very important while you are living in the United States! The cost of health care in the U. S. is very expensive and insurance can help to pay for covered fees and services. Some health insurance plans will cover the full cost; other plans have specific exclusions or will cover only some of the costs. Be sure to research and understand your insurance plan before you purchase one for your family members who will be with you in Rochester. As you plan for health care expenses, you should also plan for the cost of visits to the doctor by your family, to be included in your coverage plan.

J-1 Exchange Visitors: Under US regulations, J-1 visa holders are required to carry health insurance and coverage for medical evacuation & repatriation of remains for themselves and any J-2 dependents. Insurance must meet or exceed minimum requirements set by the US government for the duration of their program. Willful failure to obtain adequate insurance may result in a termination of the principle J-1 Exchange Visitor program.

 

Family Health Insurance Options

UR insurance options, for yourself and family, will depend on your relationship with the University. When you are choosing health insurance for your family, check to see what is covered and what is not covered. An insurance plan that is less expensive may not provide the benefits you need.

  • If you are a full-time student or otherwise eligible for insurance through the University Health Service (UHS), you can enroll your spouse/domestic partner and your children in the University-sponsored plan for full-time students. You must be enrolled in the plan yourself if you want to enroll your family members. The cost for the insurance for your family members will be billed to your student billing statement. For more information about insurance for your family, check the UHS website.
  • If you are insured as a full-time employee through the University Benefits Office, you may be able to include your immediate family members as well. Please contact your department for guidance on whether you will qualify for coverage through the University of Rochester.

 

Selecting a Pediatrician

While in the United States you will want to find a pediatrician to supervise the health of your child. A searchable list of Rochester area pediatricians is available online.

Married, with no children: You can enroll yourself and your spouse in the University-sponsored insurance and the mandatory health fee. The cost for your spouse is the same as your cost. If you choose this option, your spouse will receive the same benefits as you do. The cost of visits to the University Health Service by you and your spouse will be covered by the mandatory health fee. Family, with at least one child: You can enroll in the University-sponsored family insurance plan. This plan provides coverage for you, your spouse, and your children. The cost for the family insurance offered through the University Health Service is very expensive. Unfortunately, UHS does not have a less expensive option to offer for students right now. Students choosing the family insurance must also pay the mandatory health fee, which covers the cost of visits to the University Health Service for the student. The mandatory health fee does not cover the cost of visits to the University Health Service by family members.

 

For more information on dependent permissions and requirements, please visit our Dependent Spouses & Children page.