Health Insurance w/ROTC

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NDROTCDad92

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Joined
May 31, 2017
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Does NROTC require the midshipmen to have health insurance? DS’s school has a nice plan, but expensive. In fact it’s double the international student rate......

The school requires some sort of plan, so is it included in the schollie?
 
Health insurance is not included in the scholarship.

Most College students, Mids/Cadets remain on their parents Health Insurance while going to school.

Not sure whether NROTC requires Health insurance, but I know the colleges require that the student has Health Insurance or they will add him to the School's Health Insurance. This will be billed to the student's account and NROTC will not cover that cost.
 
IMO it would be foolish to participate in a ROTC program without some form of health insurance. I had an outstanding health care plan for the entire family though my workplace. However, when DS went off to college I dropped him from that plan and enrolled him in the plan the college offered. Saved me some big bucks that I could put towards room and board. A bit risky but if something serious happened I would have been able to cover costs out of pocket. YMMV.
 
You definitely need either private or university sponsored health insurance while in college even while on an ROTC scholarship.

It is worth noting that if you are on a field exercise with ROTC, or away at CULP, Air Assault school, etc, then Tricare kicks in for any injuries relating to that event.
(edit: The above refers to Army ROTC).

School plans can vary a lot in price. In some cases it may be cheaper to keep your cadet/mid on your own insurance while in college.
 
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Every year ROTC paid for DS student Gold health care plan to the tune of $2000 per semester. You read correctly ROTC paid the premium. This was normal in his unit for some reason. I also had him on our family plan. DS was injured (hernia) as a result of the ranger challenge. Had surgery. Full recovery. Between the 2 plans $0 out of pocket for us.
 
If I’m not mistaken Tricare will only pick up cost if cadet injured while on AD orders and not for normal ROTC activities like labs and APFT.
 
sheriff3 said:
If I’m not mistaken Tricare will only pick up cost if cadet injured while on AD orders and not for normal ROTC activities like labs and APFT.
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Agree with the Sheriff. PT and on-campus MIL classes would not fall under this coverage. However, FTX and LDX events as well as Basic and Advanced summer camps would be covered accordingly.

Another member, AROTC parent posted about this before:
https://www.serviceacademyforums.co...hat-happens-to-an-injured-rotc-student.39164/

For more info (Army), see AR-145-1
https://armypubs.army.mil/epubs/DR_pubs/DR_a/pdf/web/r145_1.pdf
 
The insurance topic is interesting to me. We took out the school health insurance for my son as we live overseas and do not have any US health coverage we can hook him into. My son is going on a 1 month AROTC field exercise camp this summer and just assumed the Army would cover him. I know the cost of medical attention is expensive in the US and constantly worry he is covered. As a nice touch his AROTC school program paid his college insurance !
 
Wow .... seems to be covered? Any Navy ROTC comments? Looks like AF pays. At Wisconsin it’s a few K per year which I would love to not have to pay!
 
kinnem said:
NROTC did not pay for my kid.
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AROTC pays for mandatory fees. If the college REQUIRES their health plan, then they will pay. If the default is to opt out, then the fee is not paid.
 
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