WVSOM Student Insurance Plan Details

Explore the insurance plan available to you through WVSOM.

WVSOM Student Health Insurance

Insurance Coverage Information

Highmark West Virginia

The student health insurance plan for the academic year is offered through Highmark West Virginia and administered by HSAC/OneDigital.

The West Virginia School of Osteopathic Medicine Student Insurance Plan is pending state approval and is subject to change.

Deductible	$350.00 In-Network
Co-Insurance	80% In-Network after deductible
Out of Pocket Max (Individual)	$5,000.00 In-Network
Office Visit	$25 Copayment, 100% after copayment, not subject to deductible In-network
Emergency Room Visit	$150 Copayment, 100% after copayment
Prescription Drugs	$20/$50/$100

Student Health Insurance Plan Premiums

The student health insurance plan is an academic year plan; however, the premium is split into two payments. For the WVSOM policy year, the first payment will be assessed during Fall registration, and the second payment will be assessed during Spring registration. Students who enroll in the student health insurance plan at the start of the academic year will be eligible to waive the student insurance plan for the Spring term. You will receive notification when the Spring Open Enrollment/Waiver period opens.

Cohort	Coverage Start	Coverage End	Premium	Fall Premium	Spring Premium
Continuing Students	07/01/2026	06/30/2027	$5,188.00	$2,615.00	$2,573.00
Incoming Students	07/20/2026	06/30/2027	$4,918.00	$2,345.00	$2,573.00

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Frequently Asked Questions

About the student health care plan

How do I obtain my ID Card?

ID cards are usually available 5-7 business days after you receive your enrollment confirmation email from HSAC/OneDigital.

Go to https://www.myhighmark.com
Select "Member Login" in the upper-right corner of the homepage or click the "Register" button in the center of the page.
For first time users, on the Log In page, select "Register"
On the next page, complete the required fields to set up your Highmark account.
Once your account has been set up, you can obtain your ID card, view claims, and find a provider

How do I set up my account at Highmark West Virginia

To set up your account:

Go to https://www.myhighmark.com
Select "Member Login" in the upper-right corner of the homepage or click the "Register" button in the center of the page.
On the Log In page, select "Register"
On the next page, complete the required fields to set up your Highmark account.

How do I find a Preferred Provider or Participating Pharmacy?

To find a preferred provider or participating pharmacy and search as a guest:

Go to Member Resources | Highmark BCBS West Virginia
Click on Find a Doctor
Enter the alpha prefix: WVC
Enter your Zip code
Select your plan (SuperBlue Plus)
Confirm your selection and Start search

Search by provider name, specialty, location, or type. Use the advanced search to filter by language, gender, area of focus, appointment scheduling, and more.

See More FAQs

All full-time students are required to either enroll or waive

Maintaining comprehensive health insurance coverage is mandatory for all full-time WVSOM students. All students MUST be covered by an ACA compliant domestic health insurance plan for the entire academic year, including summer and holidays.

MSBS students are exempt, but may enroll if they choose

Students enrolled in the MSBS (Master's) program are exempt from WVSOM's comprehensive health insurance requirement. However, they may choose to enroll in the student health insurance plan at the start of the Fall or Spring semester, or if they experience a loss of other health coverage during the academic year.

You will be automatically enrolled if you do not waive coverage

If an acceptable waiver is not received by the posted waiver deadline, WVSOM will finalize your enrollment in the student health insurance plan, you will no longer be eligible for a refund of the Fall premium, and your student account will automatically be assessed the applicable Spring premium during registration for the Spring term.

If you are currently waived from the WVSOM student plan, you do not need to resubmit your waiver.

If we cannot verify the coverage we have on file for you, you will be contacted via email from HSAC/OneDigital, the WVSOM Insurance Plan Administrator.

Enrolling in the WVSOM Student health plan

If you wish to enroll in the student health insurance plan for the academic year, you must submit your enrollment via the 'Enroll' button at the top of this page.

Waiving out of the WVSOM Student health plan

If you have active health insurance coverage and would like to waive the WVSOM student health plan. Please submit a waiver request through the 'Waive Coverage' button at the top of this page. Once you have submitted, you will receive an email verifying if your waiver meets the WVSOM requirements to waive.

I am 25 and on a parent's health insurance plan. I will turn 26 during this academic year. Can I still waive out of the plan for part of the year?

Students who are currently covered under the health plan of a parent but who will age out of their coverage after the waiver deadline period may use their current coverage to waive out of the student health insurance plan. Approximately 30-45 days before the student's 26th birthday, our insurance verifier, HSAC/OneDigital, will reach out to students in this situation to determine if they wish to enroll in the student health insurance plan (at a prorated rate) or submit proof of coverage from another health insurance provider. If a student wishes to waive with coverage from another carrier, the coverage must meet all requirements set forth by WVSOM and must be submitted to HSAC/OneDigital for verification within 30 days of termination of existing coverage. New coverage must be effective within 24 hours of your previous health insurance coverage.

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