| What is the difference between the Student Medical Insurance Plan and the optional on-campus health plan: |
| The optional on-campus plan is just that: it covers laboratory test fees, visits with the nutritionist, prescribing of psychotropic meds (i.e. anti-depressants) and up to 8 counseling sessions at Health Services whereas the Student Medical Insurance Plan also covers health care costs (within the plan limits) off campus.
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| When do I need a referral to use the Student Medical Insurance Plan: |
| A referral is required for off campus care unless Health Services is closed or you are more than 50 miles from campus. In that case, there is a $25 co-payment for office visits and a $100 co-payment for emergency room visits (unless admitted to the hospital). Referrals are not needed for off campus mental health care (therapists or psychiatrists) within the policy limits.
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| Does the insurance pay 100% of costs if I have a referral? |
| The insurance pays 90% of the preferred allowance for in-network care and 70% of the preferred allowance for out of network care (within the policy limits).
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| Does that mean that if I have college insurance and am referred to the emergency room or an off campus doctor’s office or for an x-ray I am not fully covered? |
The insurance will pay most (90% within the policy limits) but
not all.
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| How does the prescription medication benefit work? |
Prescription medications are covered up to $1,000 per policy year with a new 3-tier structure for co-pays ($10/$25/$45). The $1,000 coverage is a total amount and not per medication.
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