What Does Rutgers Health Insurance Cover? 
Most student health plans provide limited benefits and are overpriced . For about the same premium you can usually get a true major medical plan . Student health plans usually include benefits centered around the student health center and possibly an affiliation with a local hospital . Pre-existing conditions may not be covered at all or there will be a delay of up to 12 months before they are considered a covered expense . Also the health policies have an expiration date , usually coinciding with the school year . 