Still another obstacle to college students getting the mental health help that they need is, not surprisingly, money. At some colleges, such as Dartmouth, short-term counseling, medication consultations, on-call coverage, and infirmary services are available to students at no additional cost since the college’s health service is supported through a health fee included in tuition. At other colleges, however, such as the University of Minnesota, students must either have health insurance that covers mental health or pay for mental health visits themselves. In fact, in the opinion of Morton Silverman, M.D., director of student mental health at the University of Chicago, one of the most pressing needs regarding college students’ mental health care is "to ensure that health insurance coverage has adequate mental health benefits so that students can seek long-term treatment if needed."