Deductible and Co-Insurance

Students pay a $20.00 copay at any in-network provider and the deductible does not apply for services completed in the provider's office. Lab work and other services sent to an outside lab are subject to the deductible. 

The deductible is $500 per person, per plan year for in-network, covered charges. The deductible for out-of-network is $1,000. After the deductible has been met, benefits will be paid at 80% for in network and 50% for out of network.

The deductible will be taken from the first bills submitted to insurance for covered expenses. The deductible may be met with charges from a combination of providers, physicians, hospitals, labs, etc.

Maximum Payment 

There is unlimited benefit amounts per person, per policy year.

 Individual Out-Of-Pocket Maximum Expense Limit

The most you will have to pay out of pocket is $8,550 per insured person, for policy year Fall 2024 - Summer 2025.