ISO Care for Rowan University
Pre-approved & Waiver Guaranteed
Main benefits
Unlimited coverage
$7,000 maximum out-of-pocket
$0 copay at Student Health Center
$500 annual deductible
What the plan covers?
| Annual maximum | Unlimited |
| Annual deductible | $500 |
| Maximum out-of-pocket | $7,000 |
| Copay Student Health Center | $0 |
| Copay primary care physician | $30 |
| Copay specialist/urgent care | $50 |
| Copay emergency room | $300 |
| Copay hospitalization | $250 |
| Coinsurance in-network | 80% |
| Coinsurance out-of-network | 60% |
| Pre-existing conditions | Covered |
| Prescription copay per fill | $30 |
| Medical evacuation | $100,000 |
| Repatriation of remains | $50,000 |
| Provider network | Aetna PPO |
View brochure:
You are eligible for this plan if you are a non-U.S. citizen, have a current passport or visa and are temporarily residing outside your home country/country of permanent residence. You must also be actively engaged in educational activity and start your educational program within 30 days of plan effective date and maintain full time student status for the duration of the policy. You are “actively engaged” in educational activity if you are one of the following:
1. Students on F1 visa who are enrolled and attending an associate or bachelor’s program at an educational institution on a full-time basis;
2. Students on J1 visa who are enrolled and attending classes at an educational institution on a full-time basis;
3. Students on F1/J1 visa who are enrolled in a master’s or PhD degree;
The full-time requirement is waived for summer if the student was attending school as a full-time student in the preceding spring term.
Your dependent spouse and your dependent children are also eligible for coverage under your plan if they hold a valid visa to the U.S., and you pay the premiums due for each covered dependent. Permanent residents of the U.S. or persons who have applied for permanent residency in the U.S. are not eligible for coverage under this plan.
Students currently on medical leave or on OPT are not eligible.
Frequently Asked Questions for Rowan University
Yes! ISO offers pre-approved health insurance plans that meet Rowan University's requirements for international students.
Yes! In the very unlikely event, your waiver is denied due to plan benefits, we’ll work with you to try and get it approved. If we can’t help resolve it, you’ll get a full refund—just make sure to reach out within 30 days of your plan’s start date.
After purchasing your ISO plan, use this link provided by Rowan University and follow the steps listed. Be sure to have your ISO insurance card and documents ready—you’ll need to upload them to complete your waiver.
With ISO insurance, you’ll have access to a wide network of providers through the Aetna PPO network. Nearby in-network facilities include Inspira Medical Center Mullica Hill and Jefferson Washington Township Hospital.
Yes! ISO plans include in-network benefits for services received at the Rowan University Wellness Center. Just show your ISO insurance ID card during your visit so the center can file the claim for you.
ISO plans offer comprehensive coverage, including doctor visits, hospital stays, emergency care, prescriptions, lab tests, and mental health services. They also meet all F-1 and J-1 visa requirements, and include medical evacuation and repatriation benefits.