Looks like pdoc visits are covered same as any other physician's visits. I see no provision for psychotherapy, but your university may already have a counseling center that is available to students. The hospital probably can't be a stand alone psych facility, but must be a psych unit within a covered hospital (that's just my guess and you should call the number and definitely get that clarified). If you self injure or attempt suicide, no related treatment as the result is covered.