Health, Disability, and Liability Insurance
Health insurance is a mandatory requirement for all VCOM students. VCOM provides health insurance for its medical students and all VCOM students are automatically enrolled in the health insurance plan. Medical students who do not wish to participate in VCOM’s health insurance program must seek and be approved for a waiver from participation. Students who wish to obtain a waiver must present proof of health insurance at registration and every six months thereafter, including immediately prior to third year clinical rotations. Medical insurance must be carried through all four years for continued enrollment. Students who fail to do so are subject to suspension.
The student health plan is a Preferred Provider Organization plan (PPO) through United Healthcare Student Resources. In addition to the major medical benefit, the plan provides full coverage for wellness care including annual routine physicals, well child care and immunizations. Once your annual deductible has been met, you will also meet your out of pocket maximum, then your plan will pay 100% of Covered Medical Expenses.
Contact RCM&D, Inc.
Phone: 800-346-4075 ext 1452
Cost to the Student/Premium for the Policy
There is no additional cost to the student for this health plan. In most cases, if the student chooses, he/she may hold another insurance plan and the two policies can work together. However, it is not required to have another policy. Important: Students on Medicaid cannot hold more than one policy. It is imperative that you get information at orientation and take the appropriate steps if you are on Medicaid to avoid losing your benefits.
All VCOM students are automatically enrolled in the health insurance plan. If you have eligible dependents you must register them online. You will be able to register your spouse or children on or after the first day of class.
Obtaining Your ID Card/Filing and Reviewing Claims
- Your ID card with instructions to set up your account will be emailed to you when you are enrolled in the plan.
- You can download your ID card to your smart-phone or you can order a plastic card to be mailed to you by going to the United Healthcare student website www.firststudent.com
- “Select School” search bar
- Choose "Edward Via College of Osteopathic Medicine” from the list
- Select "Need an ID card" and follow the on-screen instructions
As soon as you have completed setting up your account, you will be able to search for providers, review your claims in detail, and have immediate access to your benefit summary and printable ID card.
Choosing Not to Participate Due to Medicaid Coverage
If you are on Medicaid, you must complete the "Choice Not to Participate Due to Medicaid" Coverage" form within two weeks of the enrollment period of July 1 (continuing students) or Orientation (new students). Failure to do so could result in you being ineligible and loss Medicaid coverage.
Choosing Not to Participate Due to Other Reasons
VCOM's health insurance plan is intended to provide all VCOM students with a strong benefit and assure coverage of all students. In most cases, if a student has another health insurance plan that plan can work with the VCOM plan to provide an additional level of coverage. However, if a student chooses not to enroll he/she should understand all conditions on the attached form and return the signed form to the financial aid director on your campus within two weeks of the enrollment period of July 1 (continuing students) or Orientation (new students.)
Students currently enrolled as full-time students in good academic standing at VCOM and who are expected to graduate with the degree of Doctor of Osteopathic Medicine are covered by VCOM's liability insurance coverage on approved curriculum such as clinical rotations and required educational activities that are a part of the VCOM curriculum and as long as they are following the policies set forth by the institution. Students should not participate in patient care without supervision and should not perform procedures without direct observation. The coverage for students extends only to clinical situations where the care is performed as a part of the VCOM clinical program and when under the supervision of faculty.
As a VCOM student, the College provides the benefit of long-term disability insurance coverage for all current VCOM medical students. You are now covered for long term disability under a program called Med-Plus Advantage (MPA) underwritten by Standard Life Insurance Company. There is no cost to you for this valuable coverage; VCOM pays the premium. The plan is offered by the AMA Insurance Agency and covers more than 60,000 medical students nationwide. Here are just a few of the benefits:
- $1,500 per month benefit
- $225,000 student loan repayment in the event of a total disability
- 90 day waiting period before benefits are payable
- Benefits payable to your Social Security Normal Retirement Age (SSNRA)
To file an MPA disability claim, you can obtain a claim form by going to MPA Claim Form. Should you require assistance, please call the toll-free number on the claim form or you can contact Lisa Whaley at email@example.com or 971-321-6946.
You will not receive a printed MPA disability certificate of insurance. You can obtain and print your certificate by accessing the MPA website at: www.medplusadvantage.com and enter the VCOM ID number: 645441.