Health Insurance

All Sweet Briar students are required to have health insurance.

RCM&D, a company endorsed by the Council of Independent Colleges in Virginia, will offer health insurance to our domestic students who are not currently covered under their parents’ or guardians’ policy. At present, the annual premium is $2,190, which will be billed through the College. RCM&D will administer the plan but will be overseen by the College.

Working with RCM&D, the College will assist domestic students who are not covered by private insurance — or unable to afford the annual premium — in obtaining Medicaid or making other arrangements on a case-by-case basis.

Keep an eye on your mailbox and inbox for more information. RCM&D will contact you with more information on the appropriate steps to take to provide proof of insurance by Aug.15. Students who do not provide proof of insurance will be billed for coverage on Sept. 1.

Should you or your family have questions about health insurance or services, please contact the Office of Student Life at 434-381-6134 or

Why is health insurance important?

Medical insurance is as crucial for college students as it is for people in the work force. Illness is the leading cause of college dropouts nationwide. Without insurance coverage, medical bills can be devastating.

Why do I need health insurance now?

Young adults are more likely than any other age group to visit the emergency room. Health insurance can protect you from the expense of an uninsured hospital stay and the potential for bankruptcy or a financial crisis.

Health Insurance for International Students

International students without their own private insurance may purchase coverage through our partner Tokio Marine Insurance Company at a cost of $1750 per year. Please refer to this detailed brochure for additional information on coverage and benefits.

What were the implications of the Affordable Care Act?

The ACA increased access to affordable health care for many. It allowed financial aid for qualified individuals to help them buy their own insurance. Other changes included:

  • Protection from rate increases
  • Protection from canceled insurance
  • More coverage for preventative care (e.g. checkups)
  • No lifetime caps on benefits

Please visit for more information.

Insurance Vocabulary

  • Premium: The periodic payment required to keep an insurance policy in effect. A plan with a lower premium usually comes attached to a higher deductible, and vice versa.
  • Deductible: The portion that you pay before insurance coverage begins. Keep in mind that your monthly premium and co-payments often don’t count toward your deductible.
  • Co-insurance: The percentage you pay when your health plan doesn’t cover 100 percent of medical costs. You’ll also see co-insurance described as percentage participation, which applies after your specified deductible is met.
  • Co-payment (co-pay): Your share of a specific health care bill charged at the time of service. If you anticipate frequent doctor visits, choose a plan with an affordable, consistent co-payment.
  • HMOs: Short for Health Maintenance Organizations. These are organizations that provide or arrange care for insured individuals and groups.
  • PPOs: Short for Preferred Provider Organizations. PPOs are managed care networks of doctors, hospitals, clinics and other health care providers that have contracted with insurance providers to provide care at reduced cost.