Plan details and benefits

The information below outlines a few key highlights of VCU's student health insurance plan. The full details can be found in the full Certificate of Coverage. Your eligibility coordinator can also help answer any questions you may have.

Costs

First Professional Student Rates Annual coverage period
(Aug. 15, 2024 - Aug. 14, 2025)
First professional students $2,916
Spouse An additional $2,916
One child An additional $2,916
Two or more children An additional $5,832
Spouse AND two or more children An additional $8,748

Dependent eligibility expires concurrently with that of the Named Insured.

International and Ph.D. Student Rates Fall coverage period
(Aug. 15, 2024 - Dec. 16, 2024)
Spring/Summer coverage period
(Dec. 17, 2024 - Aug. 14, 2025)
International students (those on F- or J-visas) $991 $1,925
Full-time Ph.D. student  $991 $1,925
Spouse An additional $991 An additional $1,925 
One child An additional $991 An additional $1,925
Two or more children An additional $1,982 An additional $3,850
Spouse AND two or more children An additional $2,973 An additional $5,775

Full-time Ph.D. students will receive a 70% subsidy each semester to offset the costs of the program. The subsidy is automatically applied and reflected on the student accounting bill. The Ph.D. rate above is the base plan cost. Dependent eligibility expires concurrently with that of the Named Insured.

Provider network

A list of preferred providers can be found by the using the "Find providers" tab on the United Health Care's VCU webpage.

Plan benefits

The following table provides a brief, high level overview of the VCU student health insurance plan. Please review the Certificate of Coverage for the complete plan benefits and talk to your eligibility coordinator to address any questions.

  In-network (preferred providers) Out-of-network providers
Deductible (the amount you pay for health care services before the insurance plan starts to pay) $200 per insured person each policy year $400 per insured person each policy year
Out-of-pocket maximum $7,350 per insured person each policy year ($14,700 for all insured in a family each policy year) No out-of-pocket maximum
Coinsurance Plan pays 80% of covered medical expenses (student pays 20%) Plan pays 50% of usual and customary charges for covered expenses (student pays 50%)
Prescription drugs (must be filled at an in-network pharmacy) $15 co-pay for Tier 1 prescription drugs
$60 co-pay for Tier 2 prescription drugs
25% coinsurance for Tier 3 prescription drugs
See description of drug tiers »
No benefits
Preventive care services (e.g., annual physicals, routine screenings, immunizations) 100% of preferred allowance No benefits
Physician's visits $25 co-pay, not subject to deductible $25 co-pay, not subject to deductible
Medical emergency $100 co-pay, not subject to deductible $100 co-pay, not subject to deductible
Outpatient mental illness/substance use disorder treatment $20 co-pay per office visit, 100% of preferred allowance (not subject to deductible) $20 co-pay per office visit, 70% of usual and customary charges (not subject to deductible)

Exclusions and limitations

The following list highlights a few areas that are excluded from this plan, meaning no benefits will be paid for related costs. To see the full list of exclusions, please review Section 12 of the Certificate of Coverage.

  • Dental treatment, except for as provided in the dental treatment benefit
  • Vision treatments such as routine eye examinations, eyeglasses, contact lenses
  • Hearing examinations, hearing aids or other treatment for hearing loss
  • Acupuncture
  • Cosmetic procedures

Definitions

A glossary of terms used in the health care plan can be found in Section 11: Definitions of the Certificate of Coverage.