Wellfleet Medical Plan
The Student Health Benefits Plan is administered by Wellfleet and is contracted with Cigna for the medical plan’s provider network of hospitals, physicians, and other health care providers.
| Benefit | In-Network | Out-Of-Network |
|---|---|---|
| Annual Deductible (Per Plan Year) | $150 individual/$450 family* | |
| Out-of-Pocket Maximum | $3,000 individual/$9,000 family | |
| Wellness/Preventive and Immunization Expenses | $0 copay | 16% coinsurance |
| Primary Care Visit | $20 copay | $20 copay |
| Specialist Visit | 10% coinsurance | 30% coinsurance |
| Inpatient Mental Health Professional Fees | 10% coinsurance | 10% coinsurance |
| Outpatient Mental Health Professional Fees | 10% coinsurance | 30% coinsurance |
| Urgent Care Center | $50 copay, then covered at 100% | |
| Emergency Room | $50 copay, then covered at 100% | |
| Pharmacy Benefit | $15 for generic drugs $25 for brand name drugs |
$15 for generic drugs $25 for brand name drugs** |
* Your deductible may be reduced to $75 per condition with a referral from Student Health and Well-being (SHWB) Primary Care and/or Mental Health Services. Referrals are only issued for covered students seeing a provider at one of these sites and will not be issued over the phone.
**You must pay out of pocket for prescriptions at out of network pharmacies and then submit your receipt of reimbursement.
Medical Plan Enrollment
If you have private insurance coverage comparable to the university plan, then you may be eligible to submit a waiver request form via the Student Information System (SIS) during the open-enrollment period.
There will be two enrollment/waiver periods for Fall 2024 – Spring 2025:
- House Staff and Postdocs will be able to login to the AHP site between June 3, 2024 – July 15, 2024. Elections made during this enrollment period will begin on July 1, 2024.
- All students at all schools (School of Medicine, School of Nursing, School of Public Health, Krieger, Whiting, SAIS, Peabody, Carey, and School of Education) will be able to login to the AHP site between July 1, 2024 – September 15, 2025. Elections made during this enrollment period will begin on August 15, 2024.
Please be aware that a waiver request form must be submitted each academic year regardless of whether your insurance information has changed or not. Waivers not submitted by September 15 will not be accepted.