Health Insurance

All Sweet Briar students are required to carry and provide proof of health insurance coverage.

RCM&D, a company endorsed by the Council of Independent Colleges in Virginia, provides administrative services to verify proof of insurance and to offer coverage for students not currently covered by private insurance.

RCM&D will contact you through your College email account with more information on the appropriate steps to waive coverage or enroll in coverage by the due date of Aug 31.  Students who do not provide proof of insurance will be billed for coverage on Sept 5.

At present, the annual premium is $2,630, which is billed by semester; $1,103 for the fall semester for the coverage period of 08/01 – 12/31 (5 months) and $1,527 for the spring semester for the coverage period of 01/01 – 07/31 (7 months).   Please refer to this detailed brochure for additional information on coverage and benefits.

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

Why is health insurance important?

Student health is a critical component of student success.  Health care costs are on the rise and without health insurance coverage, medical bills can be devastating.

Health Insurance for International Students

International students without health insurance (accepted in the US), may purchase health insurance through our preferred provider RCM&D or comparable insurance through another provider.  One alternative selected by some of our international students is available through WorldTrips, a member of Tokio Marine HCC group of companies.  More information is available by visiting https://www.worldtrips.com.

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 healthcare.gov 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.