There is a list of health care services that your insurance plan does not cover. They may be found in the Certificate of Coverage on this web site.  Any excluded services received are the responsibility of the member.

This will occur when a provider (doctor or medical/dental service) bills you for the difference between the amount they charge and the allowed amount (the amount the doctor agrees to accept as payment in full if they are under contract with an insurance company). For example, if the provider’s charge is $100 and the allowed amount is $70, the provi [..]

A fixed amount (for example, $15) you pay for a covered health care service.  It is usually charged at the time of service.  The amount can vary by the type of covered health care service.

The initial amount that you must pay each plan year (generally September 1 through August 31) for covered benefits before the insurance plan contributes towards the cost of the services. Please note that the University of Pittsburgh student insurance plans do not have a deductible for in-network services.

A spouse or an unmarried child under 26 years of age.

DRS provides equal opportunities and support services for academically qualified students with disabilities to ensure they are integrated as fully as possible into the University experience. Their services include providing assistive technology, specialized exam accommodations, interpreters and real-time captioning, assistance with transportation a [..]

An illness, injury, symptom or condition so serious that a reasonable person would seek care right away to avoid severe harm.

Ambulance services for an emergency medical condition.

Emergency services you receive in an emergency room.  Emergency rooms are situated in a hospital setting.

Evaluation and treatment of an emergency medical condition that may prevent this acute situation from getting worse.