What KnightCare insurance covers
Check out the types of medical services your KnightCare insurance plan covers while you're a Calvin student.
On-campus care
KnightCare will pay unlimited benefits for covered services at the Health Center (including visit costs and lab tests). There is no copay for the visit, and the student will not be billed. These services are provided for current students only. A referral list of area providers is available for spouses and dependents.
Medications dispensed from the health center are covered at 100% up to $2,000.00. You will be charged a copay for prescriptions: $10.00 for brand-name drugs, and $5.00 for generic drugs. Over-the-counter medications are not covered at the Health Center, but can still be purchased if recommended by one of our providers.
Prescriptions
KnightCare will pay up to $2,000.00 for prescription drugs at area pharmacies per policy year. There is a $15.00 copay for generic drugs, and a $25.00 copay for brand name drugs.
On campus, KnightCare will pay up to $2,000.00 for prescription drugs per policy year. There is a $5.00 copay for generic drugs, and a $10.00 co-pay for brand name drugs. Both copays cover a one-month supply. Over-the-counter medications are not covered.
Emergency room treatment
You may receive benefits for the emergency room. However, there must be a diagnosed sickness or accident, and it must be considered an emergency (life threatening). Benefits for covered illnesses and accidents are payable up to a maximum of $5,000.00 per diagnosis. There is a $100 co-pay for emergency room visits that will be waived if you are admitted.
If you need to be hospitalized, KnightCare will pay up to $1,500.00 per day for Room & Board. Other benefits are payable for surgeries, anesthetist, etc.
Diagnostic tests and lab services
Diagnostic x-rays, tests, procedures and laboratory services are covered under the Outpatient Miscellaneous benefit. These tests are covered at 80% up to a maximum of $10,000.00 for covered illnesses and injuries for preferred providers.
Mental health services
KnightCare covers 80% of off-campus costs up to a maximum of $1,000.00 per year. On-campus visits to Broene Counseling Center are free-of-charge. Psychiatric and attention-deficit evaluation and treatment are available on a part-time basis. If you are seen by one of these on-campus Calvin/UnitedHealthcare-contracted providers, you will receive 100% coverage up to $300.00, and then 80% up to $1,000.00.
Other features and benefits
- Global Emergency Medical Assistance
- Accidental Death and Dismemberment Benefits
- Emergency Medical Evacuation and Return of Mortal Remains
- StudentResources Online Services
