Basic Coverage

Outside the Student Health Center

The basic coverage of the Student Insurance Plan features a $200 deductible per policy year and an additional $250 in-patient deductible. The basic plan provides coverage at 100% for Preferred Provider Physician's Visit with a $30 copay per visit (in lieu of the policy deductible) and 100% for Emergency Room Visits with a $75 copay/deductible per visit (copay/deductible is in addition to the policy deductible). After the policy deductible has been met, other inpatient and outpatient benefits are typically covered at 80% for Preferred Providers and 50% for Out-of-Network Providers. The basic coverage also provides outpatient mental health visits up to 20 visits per year.  Mental health visits 1-5 are covered at 80% and visits 6-20 are covered at 50% in accordance with the Virginia mandated benefits.  Finally, the plan provides benefits for prescription drugs, which are covered up to a maximum of $1,200 per policy year, after a copayment of $15 for each generic, $30 for each formulary and $50 for each brand name prescription. 

At the Student Health Center

Covered medical expenses, including prescriptions drugs, will be paid at 100% at the Student Health Center (SHC) after applicable copayments.  There is a College-required office visit charge of $5-$15 that must be paid by all students regardless of insurance coverage.  There is a $5 copay per prescription for generic and $15 copay per prescription for brand, up to a 31-day supply per perscription filled at the Student Health Center. The SHC is authorized to dispense 90-day supplies of your prescription drugs. Benefits for laboratory services performed at the Student Health Center will be payable after a $10 copay. See the Student Insurance Plan brochure and other policy documents on the W&M's UHCSR page for complete details. Once you have reviewed the plan brochure, you can use the provider search to locate a UHC Options PPO network provider in your area.