Aetna Student Health Insurance

COVID-19 Over the Counter Testing Coverage

Students should save their receipts and submit them for reimbursement by visiting Aetna Student Health’s secure member website and following the instructions.

Reimbursement for tests purchased is available through the COVID-19 public health emergency period, which was recently extended to April 16, 2022.

  • We will reimburse students for OTC COVID-19 tests that were purchased on or after January 15, 2022, and for which the student had no prescription. 

Students can also get four free tests through These government-provided tests do not count towards the minimum benefit of eight tests per member per 30 days.

For more information for students visit Aetna Student Health.

In response to COVID-19, Aetna Student Health has important information about your plan to share with you. We will share any updates as they are confirmed.

Aetna Student Health can always be used without a referral anywhere in the United States if you are within 56 miles of UMBC, and during the remote instruction period, the need for a referral from RIH has been waived. Please remember to use in-network providers to avoid additional charges.

If you have any questions or need assistance please email

Once enrolling in the plan the basic benefits are as follows:

  • The insurance policy term runs from August to August each year.
  • The policy has a deductible of $350 in-network and a $550 deductible out of network.
  • The insurance plan pays at 80% with a co-insurance of 20% in-network and the plan pays at 60% with a co-insurance of 40% out of network.
  • A deductible is the amount of money you must pay out of pocket before any monies are paid by the insurance company. This is a fee paid once a policy year.
  • Co-insurance is the amount you must pay each time to go to an outside provider based on your charges.
  • In-network is when you stay within the listing of providers who participate with Aetna Student Health.
  • Out of network is when you go to a provider that does not participate with Aetna Student Health.
  • There is a listing on Aetna Student Health that will help you navigate through providers to make sure you choose a provider that is in-network.
  • Aetna Student Health also has co-pays for office visits, urgent care, emergency room, pharmacy, massage, and acupuncture.
  • The co-pays for RIH are listed below:
    • Office visit co-pay at RIH: $10
    • Massage co-pay at RIH: $20
    • Acupuncture co-pay at RIH: $20
    • Pharmacy co-pays: $10 for generic drugs and $50 for name-brand drugs.
    • Acupuncture and massage are only covered if the services are performed at RIH.
  • The co-pays for outside providers are listed below:
    • Office visit co-pay at an urgent care provider is: $25
    • Emergency room co-pay: $100.00
    • Pharmacy co-pays for an outside pharmacy: generic drugs $15 and preferred name-brand $50
    • Non-preferred name brand: $60 and specialty drugs $60

Co-pays are the fixed amount of monies you must pay when receiving services from a provider.

There are no co-pays for any type of physical. Each person enrolled in Aetna student health receives one covered physical each year and women are also allowed one well-woman physical each year.

Aetna Student Health also includes a discount vision plan under the medical benefits. The coverage gives discounts on services offered by a vision care provider.

There are no dental benefits under the medical policy for Aetna Student Health. If a student wishes to have dental coverage there is a dental discount plan that a student can enroll in on the Aetna Student Health website for a small fee.

If a replacement card is needed due to loss, the student can call Aetna Student Health directly at 1-877-437-6535 and speak to a customer service representative to get a new card sent to their mailing address. You can also print your insurance card from the Aetna Student Health website. If a student enrolls in the Aetna Student Health plan offered by UMBC, RIH becomes the student’s primary care provider. Students must first see an RIH provider for a referral to be able to see an outside provider for care. If a student does not have a referral for outside care, the deductible for Aetna Student Health increases to $550.

Aetna Student Health – UMBC Undergraduate

Aetna Student Health – UMBC Graduate Assistants