Health Insurance (Vision & Dental Included)

I apologize now for this information being all over the place! They do not make it easy to view and add insurance options. It takes me at least 15 minutes to find all of these sites, so I hope this help.

Insurance from RUSVM is through Aetna Student Health. Coverage includes transport off the island in case of an emergency in which doctors in Saint Kitts cannot treat you.

Once you start your first semester, you can get your health insurance information. All you have to do is go to select Ross University School of Medicine, Ross University School of Veterinary Medicine. Both medical school and veterinary school will show up together. Once you get on the RUSVM page you can find a doctor, pharmacy, or hospital, view insurance plan details, and print your ID card.

If you wish to print your ID card, click on “print your ID card” and add your student ID without @ symbol (@0027xxxx) and birth date.  Your ID card will pop up for printing. You likely won’t receive your card until the end of your first semester, so it’s a good idea to print it off just in case of an emergency.

Make an account with Aetna to view coverage, print ID cards, see members in your insurance plan, see coverage and benefits, file claims, view claim statuses, see health records, etc. Visit to make an account and login.

If you wish to purchase insurance for a family member, you will have to visit Again, you must fill out your student ID without @ symbol (@0027xxxx) and birth date. A list of options will pop up to add to your plan. For dental and vision insurance, you will have to add an option before you can add a dependent. When you move forward, it will ask for the student’s information and then the dependent’s information. At this point, you will pay with a credit card. You must pay at the time of proof of coverage.

Dental and Vision? I’d suggest not spending your money on it. It’s sold as “insurance” but what it truly is is a discount card. I purchased it excited to go home and get my teeth cleaned, but I’d have to pay out of pocket after receiving a “discount” by a participating dentist or optometrist. It’s much cheaper to visit a dentist for a cleaning or an optometrist on island, which the school nurse can refer you to, than pay out of pocket in the US. I’ve included the program details below:

16/17 Vital SavingsSM on Dental

Vital SavingsSM on Dental is a dental discount program that helps you and your dependents save. In most instances, savings range from 15-50 percent on services from general dentistry and cleanings to root canals, crowns, and orthodontia (braces). There are no claims to file.

Because Vital Savings by Aetna is supported by the Aetna Dental Access® network, you have over 156,000* available dental practice locations to choose from nationwide. Each dentist is credentialed and re-credentialed on an ongoing basis. Because Aetna has such a large network of participating dentists, chances are you’ll be able to find a dentist who participates in the program no matter where you work or live in the United States.

*According to the Aetna Enterprise Database as of August 2014.

Vision discounts
Save on eye exams, eyeglasses, contact lenses and solutions, LASIK surgery and other eye care services and accessories.

Natural products and services discounts
Save on acupuncture, chiropractic, massage therapy, nutrition services, online consultations and more.

Fitness discounts
Exercise is an important part of a healthy lifestyle. Save on gym memberships and more.

9/1/16 – 8/31/17
Student $25
Student + 1 Dependent $44
Student + 2 or more Dependents $63
Procedure Average Cost† Average Cost with Vital Savings†† Member Savings
Periodic Oral Exam $61 $32 $29
Comprehensive Oral Exam $96 $45 $51
X-Ray, Intraoral – Complete Series Including Bitewing $150 $80 $70
X-Ray, Bitewings – Four Films $71 $38 $33
X-Ray Panoramic Film $127 $67 $60
Cleaning (Prophylaxis) – Adult $113 $62 $51
Cleaning (Prophylaxis) – Child $82 $45 $37
Sealant Per Tooth $67 $32 $35
Filling – 1 Surface Resin (White) Filling, Front (Anterior) Tooth $182 $94 $88
Crown – Porcelain Fused to High Noble Metal (i.e. gold) $1,176 $799 $377
Restorative Crown – Porcelain Fused to Noble Metal $1,144 $747 $397
Root Canal Front Tooth (Anterior) Excluding Final Restoration $814 $480 $334
Root Canal Premolar Tooth (Bicuspid), Excluding Final Restoration $906 $582 $324
Root Canal Molar, Excluding Final Restoration $1,120 $784 $336
Scaling/Root Planing Four or More Contiguous Teeth $250 $152 $98
Complete Upper Denture (Maxillary) $1,310 $937 $373
Extraction of Erupted Tooth or Exposed Root – Includes Local Anesthesia and Suturing If Needed $198 $90 $108
Comprehensive Orthodontic Treatment Child $5,605 $3,550 $2,055

**The select regional average cost represents the average fees for the procedures listed above in Los Angeles, Orlando, Chicago and New York City as displayed in the Estimate Cost of Care tool as of August 2013.

***Actual costs and savings may vary by provider, service and geographic location. The average cost with Vital Savings by Aetna is the average of the negotiated fees for the cities referenced above.


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