Wheaton College Recommended Coverage Guidelines


The following are strongly recommended guidelines to ensure that students are adequately insured.


  • Adequate coverage within a 4 hour driving radius of the College or the Wheaton College external location of study for emergency, urgent, and non-emergency (retail clinics) illness and injury including follow-up care to emergency room treatment.
  • Adequate primary medical care coverage within a 4 hour driving radius of the College or the related external site, which provides access to a physician, physical therapy, laboratory, diagnostic imaging, prescription medication and wellness services.
  • For all HMO plans, a Primary Care Provider (PCP) within 4 hours of Wheaton that can  be pre-authorized before arrival on campus or related location of study.  Any restrictive HMO that does not provide coverage for a PCP within 4 hours of location of student may restrict care for the student.  
  • Coverage for both in and outpatient mental behavioral health and substance use services  
  • Health insurance coverage for the whole academic year.
  • Coverage anywhere in the world, including medical evacuation or repatriation benefits.
  • A nationwide network of providers for primary and specialty care.
  • Annual deductible less than $13,000 for family, $2,500 for individual.

When viewing a health insurance product be sure to ask about the recommended coverage guidelines as well as the following questions:

  • What is the monthly cost of this plan?
  • What is the deductible?  Is the deductible per illness/injury or the full time period of purchase?
  • What networks are in my community for this type of insurance?
  • Does this plan comply with the ACA requirements to avoid the penalty?
  • Does this plan cover pre-existing conditions? Pharmaceuticals? In and outpatient mental health needs?
  • How do I track my claims?
  • Will this insurance be valid if I travel nationally or overseas?
  • Is there a limit on covered benefits?
  • What are the benefits that are covered and at what percentage?
  • How do I pay for an insurance plan? Ask the agent if you can pay by credit or debit card. Ask if you purchase 6 months versus 1 month will the price be reduced. Ask the agent about the frequency of payments for the plan.

PDF Health Insurance Worksheet Preparing to Enroll>> 

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