Student Health Insurance

Graduate Health Care Coverage Options

Option 1: Health & Counseling Fee (HCF) + Student Health Insurance Plan (SHIP)

  • Most HCC services are covered at 100% with the HCF & the SHIP. See chart below for details
  • Low cost co-pays for counseling and specialist visits (usually $15-$25).
  • Preexisting conditions not excluded for services at the HCC.
  • $110 prescription drug benefit for medications at the HCC for each six month coverage period.

Option 2: Health & Counseling Fee (HCF) + outside health insurance

  • Many HCC services are discounted or covered at 100% with the HCF and outside health insurance.
  • If you carry outside health insurance and come to the HCC for services, you will be required to pay for any service not cover by the Health & Counseling Fee (HCF) at the time of your visit. You can then submit the claim to your insurance company for reimbursement.

Option 3: Student Health Insurance Plan (SHIP) only

  • If you choose to carry the SHIP only, you will be insured through Chickering/Aetna, the insurance company that partners with the HCC.
  • You must pay for all services at the HCC at the time of your visit.
  • Each time you visit the HCC, you must submit the claim to Chickering for a 90% reimbursement.
  • You must pay a $250 deductible before claims can be reimbursed for eligible expenses.

Option 4: Outside health insurance only

  • You must pay for all services at the HCC at the time of your visit.
  • You must submit claims for reimbursement to your insurance company.
Graduate Coverage Benefits @ the HCC
 HCF &
Outside
Health
Insurance
Coverage		HCF & SHIPSHIP OnlyOutside Health Insurance Only
General medical
care/procedures		100%100%None*None**
Primary care
Gynecology		100%100%  
Nursing Consultation100%100%  
Allergy shots100%100%  
Electrocardiograms100%100%  
Inhalation Treatments100%100%  
In-house laboratory testsVaries100%  
Plain film x-ray$25 per study$25 per study  
Reduced rates on
mental health services		YesYes  
Routine physical examsVaries100%  
Specialist Consultations$80$25 co-pay  
Counseling visits
(2 free for all students)		$50$15 co-pay  
Most laboratory chargesVaries100%  
Most medical suppliesVaries100%  
Immunizations
(including HPV)		Varies100%  
PAP smears$38100%  
Medications at the HCCVariesUp to $110
/coverage period		  
Travel medicine immunizationsVaries100%  

**Outside Health Insurance Only:

  • You must pay for all services at the HCC at the time of your visit.
  • You must submit claims for reimbursement to your health insurance company.

*SHIP Only:

  • You must pay for all services at the HCC at the time of your visit.
  • Each time you visit the HCC, you must submit the claim to Chickering for a 90% reimbursement for eligible expenses.
  • You must pay a $250 deductible through Chickering before claims are reimbursed.