Residents, Fellows and Interns Health Plan Overview
The University of Minnesota offers health benefits crafted specifically for residents, fellows, and interns. The University’s Office of Student Health Benefits coordinates the benefits and enrollment for health, dental, disability, and life insurance. The Office of Human Resources administers the flexible spending accounts and voluntary retirement options.
The University of Minnesota’s Residents, Fellows, and Interns (RFI) Plan is a cost-effective, comprehensive health plan designed to meet your unique needs. The RFI plan provides you with in-network coverage on and near the UMN campus and travels with you when you need to access healthcare outside of Minnesota.
Available benefits:
- Medical coverage through Blue Cross and Blue Shield of Minnesota’s worldwide network
- Dental coverage through Delta Dental of Minnesota’s Preferred Provider Organization (PPO) and Premier networks
- Pharmacy benefits
- Disability benefits
- Life insurance (Graduate Medical Education members only)
- Flexible Spending Accounts
- Voluntary Retirement Accounts
University Requirement
Residents, fellows, and interns are required to enroll in one of the two plans for at least single coverage or provide documentation of other comparable health insurance to the Office of Student Health Benefits. If you have other health insurance, you must complete a waiver form (pdf) and provide a certificate of coverage from your health insurance provider. Approved waivers are valid for two years.
The health plans do not have a pre-existing condition clause, meaning you and your eligible dependents will have coverage for any medical condition as soon as your coverage becomes effective.
Note: Coverage for residents and fellows continuing residencies or fellowships will remain at the same level of benefits elected for the 2025-2026 plan year unless an enrollment/change form is submitted by June 15, 2026.
Learn more at the Residents, Fellows, and Interns Enrollment page.
Dependent Coverage
Under the RFI plan, you can enroll your eligible dependents. For information on dependent eligibility, visit the Eligibility page and contact the Office of Student Health Benefits to learn more about dependent coverage that is available to RFI primary members.