Student Hand Book 2021-2022

Health Insurance
WUSOM’s NAGICO policy requires all students to carry health insurance to cover hospitalizations,
emergency room care, outpatient specialty care, and diagnostic testing. You have the option to enroll
in a plan through the University. The University offers one health insurance plan. All students are
required to complete the health insurance form to enroll.
The student health (NAGICO) insurance plan covers most services received outside of primary care
clinic including all specialty care as long as there is a referral signed by your primary care physician
(PCP).
Students may elect to purchase dependent coverage (spouse, children) for an additional cost after the
completion of their student enrolment in the University’s health insurance plan.
Students may also elect to enroll in an optional dental insurance plan for an additional cost.
Plan highlights for the Student Health Insurance Plan:
All specialists who are in the NAGICO network are covered 100% with a referral from their PCP
(most physicians are in the NAGICO network).
Specialists out of network are covered at 80% with the patient responsible for 20% of the visit.
Other highlights of covered services:
Full ambulance (no per trip maximum)
Routine health maintenance visits
No per condition limitation per sickness or injury
No internal caps on services, such as surgery, outpatient services, prescription drugs and high
cost procedures.
Read the brochure carefully to fully understand the benefits provided by the NAGICO Student Health
Insurance Plan.
If you have any questions, visit the Dean of Student Affairs Office.
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