RISD Student Health Insurance | Mental Health Insurance Coverage — Zencare

RISD Student Health Insurance for Therapy

The Rhode Island School of Design requires all students to have health insurance while enrolled to develop this balance as students pursue artistic careers. Because of this requirement, they offer a health insurance plan through UnitedHealthcare, a major health insurance company that provides coverage for millions of people across the country. This student health insurance offers students many benefits for mental health services, including therapy.

Does the Rhode Island School of Design student health insurance cover therapy?

Yes, Rhode Island School of Design student health plan provides coverage for therapy services. Rhode Island School of Design values the health and wellbeing of its students and therefore emphasizes accessibility to care, including mental health services. The Rhode Island School of Design student health plan includes coverage for seeing in-network therapists only. This plan uses the UnitedHealthcare provider network, as the Rhode Island School of Design partners with UnitedHealthcare for its healthcare insurance policy.

How do I check if my Rhode Island School of Design student health insurance plan covers therapy?

To check if the Rhode Island School of Design student health plan covers therapy services, head over to your Summary and Benefits document. You can find your specific school’s policy information through the Student Health Plans website. Within the policy documents section, you’ll find the Summary and Benefits document. This document shows the different rates of coverage — including copayment or coinsurance amounts — for each type of service available. Look for the line that includes “outpatient mental/illness/substance use disorder” to see your coverage for therapy.

Example UnitedHealthcare Student Health Insurance Summary of Benefits, with Outpatient Mental Health section highlighted.

You can also give the phone number on the back of your insurance card a call. The Rhode Island School of Design student health plan customer service department will share with you the coverage available to you through your specific university’s plan.

How much does therapy cost with the Rhode Island School of Design student health insurance?

Therapy with Rhode Island School of Design student health plan will cost around $20 each session. This is your copay (or copayment) amount.

This cost may change across school years. To find the most accurate information on therapy costs, refer to your specific plan’s Summary and Benefits document.

What types of mental health conditions does the Rhode Island School of Design student health insurance cover?

The Rhode Island School of Design student health plan covers many mental health conditions, including those that are common in the student population. UnitedHealthcare requires that each client receives a diagnosis from their therapist for reimbursement purposes. This diagnosis guides treatment and insurance coverage.

Examples of eligible mental health conditions include:

There are many more diagnosable — and reimbursable — mental health conditions, all of which the Rhode Island School of Design student health plan covers.

What types of therapy does the Rhode Island School of Design student health insurance cover?

The Rhode Island School of Design student health insurance covers many different types of therapy provided by credentialed professional therapists. As long as your therapist provides an evidence-based, clinically rigorous therapy modality that is appropriate for the given diagnosis, you’ll receive coverage.

These evidence-based therapy modalities include, but are not limited to:

Often therapists blend their therapy approaches. As long as they meet UnitedHealthcare/s requirements, their services are eligible for reimbursement.

What types of therapy does the Rhode Island School of Design student health insurance NOT cover?

The Rhode Island School of Design student health insurance only provides coverage for therapy costs associated with services that are evidence-based. This means that all treatment modality needs to have empirical research backing its efficacy.

The Rhode Island School of Design student health plan does not cover life coaching and career coaching, as these disciplines are less based on evidence and are more reliant on goal-setting and achievement outcomes. There is also no coverage for holistic approaches to treatment like aromatherapy, massage therapy, acupuncture, reiki healing, or nutritional therapy. They also do not cover ketamine, psychedelic, or hypnosis treatments, even if the purpose of this treatment is for a mental health condition. This insurance does not cover Biofeedback therapy.

Does the Rhode Island School of Design student health insurance cover online therapy?

Yes, the Rhode Island School of Design student health plan offers coverage for online therapy. This opens the doors for many clients who aren’t able to physically attend therapy sessions each week, whether for a physical limitation or because of the constraints of a busy student schedule.

Your coverage for therapy costs will remain the same, whether you visit your therapy in-person or online. This includes the same copayments or coinsurance rates.

Students at Rhode Island School of Design also have access to UnitedHealthcare’s HealthiestYou program, an online resource with mental health information and access to therapists.

Does the Rhode Island School of Design student health insurance cover couples therapy?

No, the Rhode Island School of Design student health plan does not provide coverage for couples therapy. Often, health insurance companies do not have mental health benefits for couples because of the lack of a reimbursable diagnosis, so it is not uncommon for this health insurance plan to deem couples therapy ineligible.

However, many couples still benefit from seeing a therapist together. If your health insurance plan does not include a couples counseling benefit, there may be ways to decrease the cost of couples counseling, such as sliding scale. You might also find this service through the Rhode Island School of Design Counseling and Psychology Services (CAPS) office with a school therapist.

Do I need to see my primary doctor before starting therapy?

No, you do not need to see your primary care physician before starting your search for an excellent therapist. This is because the Rhode Island School of Design student health plan is a PPO, meaning you do not need a referral for specialist services.

So when you’re ready to start your mental health journey, you’re all set with therapy coverage!