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How Student Health Insurance Works

With this insurance, the doctors at Student Health become your primary care physicians which, for the best benefits, means you need to be seen at Student Health first for any medical issue.

Nearly all charges at Student Health are covered at 100%. Outside of the Student Health Center, you will have co-pays, a deductible and co-insurance.

Referrals are required (for the best benefits) for each condition for which you are seen by providers outside of the clinic. If you have a referral from one of our doctors, insurance will pay 80% to in-network providers after co-pay and deductible are met, but with no referral, insurance will pay only 60%. Referrals are not required if the Student Health Center is closed, you have a medical emergency, or you’re more than 50 miles from campus).

New referrals must be obtained after August 1 of each academic year.

Medical coverage is unlimited, as is prescription coverage (although co-pays apply).

Policy details can be found at www.studenthealthprograms.com (click on the “Resources” link).

 Hospital Bill  $1000.00
 Deductible  $500 (you pay this + 20% co-insurance)
 Balance  $500 (insurance will pay 80% of this amount)
 Insurance pays  $400 (80% of amount after deductible)
 Balance  $100 (or 20% co-insurance)
 Amount you owe  $500 + 100 = $600

Once your deductible is met, if you were to have another hospital bill of $1000.00 in the same academic year, insurance would pay 80% (or $800.00) of the total amount, leaving you with a total amount owed of $200.00.


The UT Medical Center is the only area hospital that offers students discounts on medical services. To be eligible for UTMC discounts, the student must have paid the Programs and Services Student Health Fee prior to visiting the UT Medical Center.

Student Health Center
Division of Student Life

1800 Volunteer Blvd.
Knoxville, TN 37996-3102
Phone: 865-974-3135