I posted this to a health insurance thread I'm following, but I thought if any UVA students are, like me, stressing about whether to go with Chickering or strike out on their own and find a different health option, it might be useful:
I've started my research with the Chickering Group's plan at UVA. It covers all kinds of stuff for dependents that doesn't really apply to me, so I'm wondering if a sparser plan elsewhere might be more cost effective.
Chickering's UVA policy has a $1600 premium, and there's a $150 deductable, and after you've met that the plan will cover 90% of most doctor visits and 80% of lab fees. You pay the other 10% or 20% as the case may be, and that is called "co-insurance." The plan will pay for that stuff at 100% once you've paid $1,500 in "co-insurance," but co-pays, the $150 deductable, amounts you have to pay because it was above what chickering deemed "reasonable charges"--all that stuff doesn't count toward the $1,500. Basically you can only get there by adding up your personal 10% of doctor visits and 20% of lab fees. Co-pays are generally $20. http://www.chickering.com/stu_conn/student_connection.aspx?group_number=812806
For prescriptions you have a $100 deductable, and after you've paid that out it's a $10 copay for generic and a $30 for brand drugs.
I think they want most people just to use campus health services: "Student Health professional services are covered by your student activity fee. This means there is no charge for your visit with a Student Health provider (e.g. Physician, nurse practitioner, mental health clinician, or health educator). Unless otherwise noted, ancillary services (e.g. lab tests) received at Student Health or ordered by a Student Health provider will be covered at 100% without application of a Copay or Deductible. Ancillary Services provided at Student Health include, but are not limited to:
• Injectable Medications (except contraceptives, which are covered under the Student Health
• Medical Supplies & Services
• Laboratory Tests"
Chickering's UVA policy does cover contraceptives including the ring.
You can optionally get separate dental with Concordia for $150 premium with a $50 deductable and a $750 annual payout limit. This is only worth it if you might have cavities, but I had seven this year so I'll probably do it. The plan considers posterior composite fillings (the tooth colored ones that look normal) to be "alternative" which means it will only pay as much as if you got the amalgam (the dirty looking silver fillings that take a huge chunk out of your tooth). http://www.chickering.com/stu_conn/student_connection.aspx?group_number=812806
I am going to go see what Blue Cross/Blue Shield can offer me.