VCOM College Catalog and Student Handbook

In addition to a great disability benefit, you now have access to a powerful global emergency travel assistance program provided through Assist America, Inc. With Assist America, anytime you travel more than 100 miles from home and campus, or to another country, and experience a medical emergency, you can make a single call to the Operations Center at 1-800-872-1414 (within USA), and 1-609-986-1234 (outside USA) for help. You will not receive a printed MPA disability certificate of insurance or an Assist America ID card. You can obtain and print either or both by accessing the MPA website at: www.medplusadvantage.com and enter the VCOM ID number: 645441 . Liability Insurance Students currently enrolled as full-time students in good academic standing at VCOM and who are expected to graduate with the degree of Doctor of Osteopathic Medicine are covered by VCOM's liability insurance coverage on approved curriculum such as clinical rotations and required educational activities that are a part of the VCOM curriculum and as long as they are following the policies set forth by the institution. Students should not participate in patient care without supervision and should not perform procedures without direct observation. The coverage for students extends only to clinical situations where the care is performed as a part of the VCOM clinical program and when under the supervision of faculty. Medical Insurance Health insurance is a mandatory requirement for all VCOM students. VCOM provides health insurance for its medical students and all VCOM students are automatically enrolled in the health insurance plan. There is no additional cost to the student for this health plan. In most cases, if the student chooses, he/she may hold another insurance plan, and the two policies can work together. However, it is not required to have another policy. The VCOM student health plan is a Preferred Provider Organization plan (PPO) through Anthem Blue Cross and Blue Shield. In addition to the major medical benefit, the plan provides full coverage for wellness care including annual routine physicals, well childcare and immunizations. Students also have free access to therapy and psychiatry services. Once a student’s annual deductible has been met, they will also meet their out-of-pocket maximum, then their plan will pay 100% of Covered Medical Expenses. The benefit terms of VCOM medical insurance are posted on the website annually. Coverage terms and deductible amounts are announced annually. Medical students who do not wish to participate in VCOM’s health insurance program must seek and be approved for a waiver from participation. Students who wish to obtain a waiver must present proof of health insurance at registration and every six months thereafter, including immediately prior to third year clinical rotations. Health insurance must be carried through all four years for continued enrollment. Students who fail to do so are subject to suspension. • Deductible Maximum: $2,500 • Lifetime Maximum (suggested): $1,000,000 • Co-Pay: Students should seek no higher than 30% co-pay with insurance covering at least 70% up to $5,000 maximum and 100% payment by insurance after $5,000 is met. Students are responsible for their own personal health costs and insurance coverage if not under the VCOM medical insurance policy. If medical students provide their own medical insurance the minimum requirements are:

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