Do the Math!
2017-2018 University of Virginia
Student Health Insurance Plan
For more information and to enroll visit
www.uvastudentinsurance.com
Why Choose a Student Health Insurance Plan?
o
Most plans provide continuous coverage, including during
breaks and summer months.
o
Works in conjunction with the university's Student Health
Service. Other plans, like HMOs, may not cover a student
if the university is out of their network service area.
o
Plans allow Student Health Services to provide referrals to
doctors off campus for most services.
o
Provides access to a large network of participating
providers.
o
Students have access to travel assistance services whether
they are at school, traveling or studying abroad.
o
Includes access to emergency assistance — available 24/7.
o
Access to savings on over-the-counter vitamins, massage
therapy, oral health care products, and more.
A Student Health Insurance Plan may be the best alternative and here’s why:
A student health insurance plan is tailored specifically for the student lifestyle, no matter what the age of the
student, even if he or she is older than 26. Some things to consider when looking at a student health insurance plan:
UVA Student Plan
Family, Individual, COBRA
Be sure to consider any annual coverage
maximums and internal benefit maximums that
may apply.
Annual premium
$2,690
Annual deductible
$250 Preferred
Out-of-Pocket
maximum
$5,500 Preferred
Out-of-Area costs
Covered at 60%
Coinsurance
80% Preferred
RX co-payments
$10 Generic / $30 Brand / $60 Non-Preferred
oYes oNo What services, if any, are excluded
from the deductible?
Office Visits:
$25 copay / 90% Preferred (no visit max)
Mental Health:
$20 copay / 90% Preferred (no visit max)
oYes oNo Is there an annual out-of-pocket
maximum?
RX:
$100 Annual Deductible (no maximum)
Sub Total
Other:
Grand Total
Look at premiums, deductibles, benefits provided, annual and benefit maximums, exclusions, limitations,
time covered , geographic area covered, total out-of-pocket expenses, and the employer contribution to
obtain a relevant comparison.
oYes oNo Does your plan cover non-emergent
care out of area or otherwise have coverage
restrictions?
oYes oNo Does your carrier charge a premium
per covered dependent or per family?
oYes oNo Are there coverage exclusions or
limitations that would prohibit your student from
receiving necessary care?
oYes oNo Are there annual maximums or other
plan limitations? If so, determine what types of
services your student might require and the
frequency.
Fully insured student health insurance plans are underwritten by Aetna Life Insurance Company (Aetna), with claims administration services provided by Aetna Life Insurance
Company. Aetna Student HealthSM is the brand name for products and services provided by Aetna Life Insurance Company and its applicable affiliated companies (Aetna). This material is
for information only. Health insurance plans contain exclusions, limitations and benefit maximums. Discount programs and travel assistance services may be offered by vendors who are
independent contractors and not employees or agents of Aetna. Discount programs provide access to discounted prices and are NOT insured benefits. The member is responsible for the
full cost of the discounted services. Providers are independent contractors and are not agents of Aetna Student Health. Provider participation may change without notice. Aetna Student
Health does not provide care or guarantee access to health services. Information is believed to be accurate as of the production date; however, it is subject to change.
If coverage provided by any insurance policy or administrative services agreement violates or will violate any economic or trade sanctions, the coverage is immediately considered invalid.
For example, Aetna companies cannot make payments for health care or other claims or services if it violates a financial sanction regulation. This includes sanctions related to a blocked
person or a country under sanction by the United States, unless permitted under a written Office of Foreign Asset Control (OFAC) license. For more information, visit
http://www.treasury.gov/resource-center/sanctions/Pages/default.aspx.
Aetna complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex.
TTY: 711
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