Paul Sanchez
Virginia Commonwealth University (VCU) offers a range of health insurance options for its students, understanding that accidents and illnesses can be a financial burden. VCU's health insurance plans include the VCU Student Health Insurance Program, the Health Insurance Marketplace, and Virginia Medicaid. Full-time PhD students, first professional students (DDS, MD, PharmD), and international students on specific visas are eligible for the student health insurance program. Additionally, VCU Health, including the Massey Comprehensive Cancer Center, participates in insurance plans such as Medicare and Medicaid, working with Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO) plans offered by major providers.
| Characteristics | Values |
|---|---|
| Insurance plans accepted | Medicare, Medicaid |
| Insurance providers | Aetna, Anthem, CareMore, Cigna, Clear Springs, Humana |
| Student health fee coverage | Student Health clinic visits |
| Student health fee exclusions | Referrals to specialists, medications, x-rays, hospital or ER visits |
| Student health insurance options | VCU Student Health Insurance Program, Health Insurance Marketplace, Virginia Medicaid |
| Student health insurance eligibility | Full-time PhD students, first professional students (DDS, MD, PharmD), international students (F and J visas) |
| Student health insurance enrolment period | Spring: December 15, 2024 - January 31, 2025 |
| Student health insurance contact | Eligibility coordinator |
| Financial assistance | Available based on income, assets, and needs |
| Financial counselling | Available to determine eligibility and set up payment plans |
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What You'll Learn
VCU Student Health Insurance Program
The VCU Student Health Insurance Program offers a comprehensive health insurance package for Virginia Commonwealth University students through their partners, United Health Care. The program is available to all full-time PhD students, first professional students (DDS, MD, PharmD), and international students (those on F- and J-visas). These students are required to enroll in the program if they cannot provide proof of other insurance coverage.
The VCU Student Health Insurance Program covers visits to the Student Health clinics, but it does not cover the cost of referrals to specialists, medications, x-rays, hospital visits, or ER visits. It is recommended that students get health insurance coverage to prevent any unforeseen illnesses or accidents from causing a financial burden.
The spring open enrollment period for the VCU Student Health Insurance Program ran from December 15, 2024, through January 31, 2025. Students can enroll in the program online, by phone, or with the assistance of a certified enrollment assistant. Part-time (1-8 credits) domestic PhD students are not eligible to enroll in the program.
In addition to the VCU Student Health Insurance Program, students without coverage have other options, including the Health Insurance Marketplace and Virginia Medicaid. Due to recent changes in Medicaid health coverage rules, many low-income students may now be eligible for comprehensive healthcare services at low or no cost. Students can visit www.coverva.org to learn more and see if they qualify. They can also contact the Virginia Insurance Counseling and Assistance Program by calling 1-800-552-3402 for help in choosing the right plan for their needs.
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Virginia Insurance Marketplace
The Virginia Insurance Marketplace offers a range of health insurance options for residents in the state. One of the key features of the Marketplace is its commitment to providing access to high-quality, low-cost care for all. This includes helping individuals find the right insurance plan and facilitating enrolment in government-assisted programs like Medicaid and CHIP.
The Virginia Insurance Marketplace recognises the importance of ensuring that everyone has access to affordable healthcare. As such, it provides resources and assistance to help individuals navigate the often-complex world of health insurance. This includes providing information on important dates and deadlines for enrolment, as well as offering guidance on the various plans available. The Marketplace also assists individuals in understanding their eligibility for different plans, including those offered by private insurers and government-assisted programs.
One of the key benefits of the Virginia Insurance Marketplace is its online platform, which allows individuals to easily compare and enrol in different insurance plans. The Marketplace also offers multiple enrolment channels, including phone and in-person assistance through certified enrolment assisters. This ensures that individuals can receive help and support throughout the enrolment process, making it more accessible and user-friendly.
The Marketplace also recognises the diverse needs of its residents and offers a range of plans to cater to different situations. For instance, low-income individuals may be eligible for Medicaid, which provides comprehensive healthcare services at low or no cost. Additionally, the Marketplace provides financial assistance to patients based on their income, assets, and needs, further emphasising its commitment to making healthcare accessible and affordable for all.
Furthermore, the Virginia Insurance Marketplace is committed to helping individuals understand the specifics of their insurance coverage. This includes providing resources and guidance on verifying participation, coverage levels, and benefit criteria with authorised health plan representatives. The Marketplace also encourages individuals to contact their insurance plan to determine the estimated costs they will be responsible for, ensuring that there are no surprises when it comes to paying for healthcare services.
Overall, the Virginia Insurance Marketplace serves as a comprehensive resource for individuals seeking health insurance in the state. By offering a range of plans, providing enrolment assistance, and facilitating access to financial support, the Marketplace helps ensure that residents of Virginia can obtain the high-quality, low-cost care they need.
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Medicaid
Virginia Commonwealth University (VCU) Health doctors, hospitals, and other healthcare providers participate in Medicaid. This is a federal and state health care coverage program for people who qualify based on their income and the value of their assets. Each state runs its own Medicaid program, but the federal government provides at least half of the funding and sets rules that all states must follow. States can choose to expand eligibility and provide more services than the federal government requires. For example, as of 2020, all states include some form of prescription drug coverage under their Medicaid program.
Due to recent changes in Medicaid health coverage rules, many low-income students may now be eligible for a new health coverage option that offers comprehensive healthcare services at low or no cost. For example, a single adult making $17,755 annually or less may be eligible. Other criteria apply, and you can check your eligibility at www.coverva.org.
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Medicare
Virginia Commonwealth University (VCU) Health accepts Medicare insurance.
There are several parts to Medicare: Part A, Part B, Part C, Part D, and Medigap. Part A and Part B are the most basic parts of Medicare, often referred to as Original Medicare. Part A and Part B are generally the only parts that need to be signed up for. Part A and Part B can be acquired through Medicare itself or through a Medicare Advantage Plan. Medicare Advantage Plans are Medicare-approved plans offered by private companies that bundle different parts of Medicare into one plan. These plans often include Part A, Part B, and sometimes Part D. Medicare Advantage Plans may offer additional benefits that Original Medicare does not, such as vision, hearing, and dental services. However, these plans may have different out-of-pocket costs than Original Medicare, and you may only be able to use doctors within the plan's network.
Part D is an optional additional plan that helps cover the costs of prescription drugs, including certain shots and vaccines. It can be acquired by joining a separate Medicare drug plan in addition to Original Medicare or by joining a Medicare Advantage Plan that includes drug coverage.
Medigap is extra insurance that can be purchased from a private company to help pay for your share of costs in Original Medicare. It can help lower out-of-pocket costs for services received through Original Medicare.
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Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO) plans
Virginia Commonwealth University (VCU) Health System treats more uninsured or underinsured patients than any other health system in Virginia. VCU Health doctors, hospitals, and other healthcare providers participate with most Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO) plans offered by insurance companies such as Aetna, Anthem, CareMore, Cigna, Clear Springs, and Humana.
HMO stands for Health Maintenance Organization. This type of insurance plan helps maintain your health and typically requires you to get care from providers within the HMO network to use your plan benefits. You will also need to get referrals from your doctor before seeing specialists. An HMO plan may be right for you if you want lower costs and are comfortable with choosing a PCP to coordinate your healthcare.
PPO stands for Preferred Provider Organization. This type of insurance plan creates a network of preferred providers, and you will get the highest level of coverage when choosing to get care from providers within the plan's network. A PPO plan may be right for you if you want more choice and flexibility when it comes to your physician and healthcare options and are willing to pay a higher monthly premium.
In addition to HMO and PPO plans, VCU also accepts other types of insurance, including Medicare and Medicaid. Students without coverage can also consider the VCU Student Health Insurance Program, the Health Insurance Marketplace, and Virginia Medicaid.
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Frequently asked questions
VCU Health doctors, hospitals, and other healthcare providers participate with most Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO) plans offered by Aetna, Anthem, CareMore (pending), Cigna (pending), Clear Springs, and Humana. VCU also accepts Medicare and Medicaid.
It is recommended that you verify participation, coverage levels, and benefit criteria with your health plan's authorized representative before receiving services.
Students without insurance coverage can consider the VCU Student Health Insurance Program, the Health Insurance Marketplace, or Virginia Medicaid.
You can contact the Virginia Insurance Counseling and Assistance Program by calling 1-800-552-3402.
You can call (804) 828-8828 for personal medical issues, health insurance questions, or any other student health-related issues.
