Barnard Mental Health Insurance Information


Barnard's Mental Health Coverage

The new optional Barnard Student Health Insurance Plan is effective on August 22nd, 2018 and terminates on August 21st, 2019.

The benefits outlined below require a referral from Furman Counseling Staff.

Out of Pocket Maximum in network is $4,250 per Policy Year

There is no maximum expense for out-of network treatments

Deductibles: $300 In-network non office visits, $500 for Out of network

Inpatient: 80/20 In-network, 60/40 for Out of network

Outpatient: Requires $40 co-pay for In-network not subject to deductible, 30/70 Out of network

For Alcohol Abuse & Chemical Dependency

Inpatient: 80/20 In-network, 60/40 Out of network

Outpatient: Requires $40 co-pay for In-network not subject to deductible, 70/30 Out of network. (20 visits may be used for family counseling)




  1. You need a referral from the Furman Counseling Center Staff recommending you to a therapist or psychiatrist in the community in order for the insurance to work. They will provide you with the treatment provider's information. They will also go on-line and register this referral with Aetna Student Health.
  1.  Most mental health practitioners prefer you to pay at time of service, and then submit to your insurance for reimbursement.  A few providers will agree to wait for the insurance payment.
  1. To access your coverage, simply send the bill, along with your identifying information (name, SSN, mailing address, copy of student ID) to:

                  Aetna Student Health

                  P.O. Box 981106

                   El Paso, TX  79998

  1.  Students who are covered under the Aetna policy and their parents insurance should always inform the provider that the Aetna Student Health policy is primary.


Prior Authorization may be required for certain Prescription Drugs and some medications may not be covered under this Plan. For assistance and a complete list of excluded medications, or drugs requiring prior authorization, please contact Aetna Pharmacy Management at (888) RX-AETNA 

For covered medications, drug prescriptions require a $20 copay for generic, $45 copay for brand formulary and $60 for non-brand formulary.



For more information regarding your Student Health Insurance benefits please read your Student Insurance Handbook or go to website for online services:


Claims Administered by:

Aetna Student Health

PO Box 981106

El Paso, TX  79990




Here's some guidelines to help you find out your family/parent's insurance coverage.

N.B.  Getting your money back from the insurance company will take organization and persistence.  Make an “Insurance” file now to keep copies of all documentation.

  1. Call the number on your insurance card.  Ask them the following questions: 

A: Do I have outpatient mental health coverage? 

B:  What is the coverage for in-network providers[1]?

C:  What is the coverage for non preferred providers?

D:  What is the yearly maximum benefit ( # of visits)?

E.   Is there a deductible (amount you pay before insurance kicks in)?

2. If you have mental health coverage, and want to use your in-network benefit, obtain a list of providers for NYC, and bring it to your next appointment. We will pass the list around our staff so they can identify people they recommend.

3. For most therapists or psychiatrists who are out-of-network, you will need to pay them each month, then apply for your reimbursement.

4. You need to send their bill and possibly a claim form to your family insurance.  (Check if they require a claim form which you may be able to get off the internet.) 



[1] “In-network providers” refers to therapists/psychiatrists who have contracted with your insurance company to work for a set hourly fee.  A co-pay is usually a set amount you pay per session.  Partial payment means that you will pay a certain percentage of that provider’s fee.  “Out-of-network providers” refers to people not under contract with your insurance.