PSI Health Insurance

Western Michigan University
Health Insurance

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School Coverage Periods & Rates

FALL
09/01/2021 - 12/18/2021
ACADEMIC YEAR (from 1st day of class)
09/01/2021 - 04/30/2022
ANNUAL
09/01/2021 - 08/20/2022
30-DAY RATE

Silver Plan

  • In-Network Provider - UHC Options PPO
  • $500,000 per Injury or Sickness
  • Coinsurance: 80% In-Network, 70% Out-Network
  • Diagnostic Services and Laboratory Tests
  • Mental Health coverage
  • Prescriptions - 70%, $1,000 max per year
  • Intramural & Club Sports - Not covered
  • Maternity Care
  • Urgent Care - $50 copay
  • Pre-ex Conditions - 6 month waiting period
  • No Copays/Deductible at Student Health
  • Medical Evacuation & Repatriation - 100%
  • COVID is treated like any other sickness

Gold Plan

  • In-Network Provider - UHC Options PPO
  • $2,000,000 Maximum
  • Coinsurance: 80% In-Network, 70% Out-Network
  • Preventive Care per ACA - 100% In-Network
  • Mental Health coverage
  • Prescriptions - 70%, $10,000 max per year
  • Intramural & Club Sports - Not covered
  • Maternity Care
  • Urgent Care - $50 copay
  • Pre-ex Conditions - $2500 benefit during 6 month waiting period
  • No Copays/Deductible at Student Health
  • Medical Evac & Repatriation - covered
  • COVID is treated like any other sickness

Diamond Elite

  • In-Network Provider - UHC Options PPO
  • Unlimited Maximum
  • Coinsurance: 90% In-Network, 70% Out-Network
  • Preventive Care per ACA - 100% In-Network
  • Mental Health coverage
  • Prescription Card: $15/$30/$50 copay
  • Intramural & Club Sports
  • Maternity Care
  • Urgent Care - $50 copay
  • Pre-ex Conditions - No limits
  • No Copays/Deductible at Student Health
  • Medical Evac & Repatriation - covered
  • COVID is treated like any other sickness

Bronze Plan

  • In-Network Provider - UHC Options PPO
  • $500,000 per year; $150,000 per Injury/Illness
  • Coinsurance: 100%, with limitations
  • Diagnostic Services, limited
  • Mental Health coverage, limited
  • Prescriptions - $100 max per injury/illness
  • Intramural & Club Sports - Not covered
  • Maternity Care
  • Urgent Care - $50 per visit
  • Pre-ex Conditions - 6 month waiting period
  • Deductible at Student Health - $45
  • Medical Evac & Repatriation - covered
  • COVID is treated like any other sickness
PSI gathered this information as a resource for students, and this does not intend to imply a relationship between your school and our website, or company. Our plans simply offer an alternative to the university's student health insurance plan.

Claim Procedures

Step 1: Bring Your Insurance ID card

Login to your PSI account and print your Insurance ID Card. Always present your Insurance ID Card to your Doctor or Hospital so they can submit your claim directly to us.

Step 2: Visit your Student Health Center or a Preferred Provider

If you are sick or injured, please visit the Student Health Service first. If not available, proceed to a Preferred Provider Network.
We encourage students to use a Preferred Provider whenever possible for two reasons:

1) They have a contract to bill us directly for services so you don't have to pay out of pocket and then file a claim yourself;

2) They have agreed to contracted pricing for covered medical expense, which means your medical cost and charges are kept as low as possible and never exceed the set price which providers accept as payment.

If you visit an Out-of-Network Doctor or Hospital, ask if they can submit claims on your behalf. If they cannot, you will be required to pay for your medical bills during your visit. Afterwards, seek reimbursement by filing a claim. Simply download a Claim Form, Complete, and Sign then include a copy of your ID Card with your medical bills or receipts.

FAQs

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