Hmm. Is there anyone here who's under the wing of GAIP (Graduate Appointee Insurance Program)? My husband is one of the head physics TA's and as such that's the insurance we're going to be sticking with since it's about a million times cheaper than student insurance, as well as better (unions can be good...). We haven't had it for very long and still haven't really spent time figuring out the ins and outs of it, mostly because getting in touch with a person (and not an answering machine) to talk to has been difficult, we've played the game of phone tag for a while, but it wasn't too helpful. So, I figured I'd ask around to see if anyone else happens to have the same insurance and could help me shed light on some stuff.
You have to pay for your prescriptions in full and then get reimbursed later, right? What the percentage of the cost (well, on average) that ends up being covered by insurance? I gather that they'd REALLY prefer you to fill prescriptions at the Hall Health pharmacy, right? When I had my dad's super-nice insurance I filled all of my prescriptions at Rite Aid because Hall Health hours suck as far as my schedule goes. Also, doctor visits. Is it the same deal? You pay the whole cost of an office visit out of pocket, and submit for reimbursement? Does it help pay for visits to the Mental Health Clinic? I see a nurse there fairly regularly, but I don't go in for therapy, councelling or anything of the sort.