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Specifically designed for students who have private health insurance coverage, the RamCare Supplement Program is an inexpensive way to help cover out-of-pocket expenses for medical services provided at the CSU Health Network after your primary insurance has been processed.

Enrollment for Spring 2020 is closed.

Enrollment for Summer 2020 begins May 4th, 2020 and closes June 5th, 2020.

Why RamCare?
  • For the convenience of on-campus healthcare without the out-of-pocket expense
  • To help cover your private health plan out of pocket costs such as co-pays, co-insurance or deductible costs
  • To supplement an HMO or government plan that does not pay for services with out-of-network providers

Please note:

RamCare is a CSU program and not a health insurance plan.

RamCare will help pay balances remaining after your claim has been processed by your primary health insurance plan.

RamCare only applies to services provided by CSU Health Network.

What does RamCare coverage include?

RamCare covers up to $1,500 per semester at the CSU Health Network for services related to illness or injury that would otherwise be payable at the time of service. It also provides $200 per semester toward prescription drug costs and $50 for Flex Services to be used toward other services within the CSU Health Network, such as dental, optometry, or massage.

Please note, RamCare is not an insurance product and is for use only at the CSU Health Network.  RamCare is only available to use after the student’s primary insurance has been processed.   Additionally, if a student has a lapse in insurance coverage, RamCare cannot be used.

Who is eligible to enroll in RamCare?

All enrolled CSU students are eligible to access care at the CSU Health Network and are eligible to purchase RamCare. RamCare is specifically designed for students with private health insurance coverage. Students enrolled in the CSU Student Health Insurance Plan (SHIP) do not need RamCare, as RamCare benefits are already included in SHIP. RamCare is not health insurance and is for use only at the CSU Health Network.

How much does RamCare cost?

Spring Semester 2020: $125

Summer 2020 Only: $100

Financial aid assistance may be available to pay for the RamCare Supplement Program for students who qualify.  Contact the Office of Financial Aid for more information.

How do I enroll in RamCare?

Complete the online enrollment form (above).  The deadline to enroll is the University Add/Drop date, approximately two weeks after classes begin.

Enrollment for Summer 2020 begins May 4th, 2020 and closes June 5th, 2020.

What are the coverage dates for RamCare?

Fall 2019: August 26 – January 17

Spring 2020: January 21 – May 31

Summer 2020 Only: June 1 – August 21

What services are included and excluded from RamCare coverage?

All charges incurred at the CSU Health Network (CSUHN) will first be submitted to your outside health insurance plan.

RamCare coverage is limited to medically necessary outpatient services rendered at CSU Health Network only. RamCare pays up to $1500 per semester for the following services after your primary insurance has been billed and responded:

  • Office Visits
  • Nurse Visits
  • Diagnostic Services: Includes routine x-rays, electrocardiograms, and laboratory tests (on site only)
  • Outpatient Surgery: Limited to minor procedures performed at CSUHN only
  • Physical Therapy Services
  • Sports Medicine/ Orthopedic Clinic
  • Medical Supplies in regular stock at CSUHN that are prescribed or utilized by a physician as part of a treatment plan
  • Allergy and Asthma Care
  • Vaccines: Flu, MMR, T-Dap, and Meningitis A, C, Y, W-135
  • Nutrition and other General Counseling
  • One Wellness Physical Consult Per Year, including associated on-site only labs
  • Birth Control Counseling and Procedures


Use Flex Dollars ($50 per semester) or pay out of pocket for these services: 

  • Optometry Services
  • Dental Services
  • Immunization Clinic, except as outlined above
  • Massage Therapy
  • Travel Clinic
  • Counseling Fee
  • Health Access Fee
  • Medical Records
  • Voluntary or other services not medically necessary for the diagnosis or treatment of an illness or injury 

RamCare pays up to $200 per semester for Prescriptions

Exclusions (pay out of pocket for these services):

  • Late Fees
  • No Show Fees
  • Laboratory Services (Off-Site)
  • Over-the-Counter Pharmacy Items
  • DAY Program and associated testing

Questions? Contact the CSU Health Insurance office at (970) 491-2457 or

Note: Due to the nature of the insurance open enrollment cycle, this office experiences periods of high phone volume. Please consider emailing us at and we will respond as soon as possible. 

Quick Links

Glossary of Insurance Terms– an educational reference to assist you in understanding the most commonly used terms related to insurance coverage.
Domestic Student Waiver
International/INTO Student Waiver