University Health Center
Frequently Asked Questions about Student Health Insurance Plan
How do I file a claim?
How can I get an insurance card?
How much will the insurance pay on my claims?
What do I do if I have my own insurance from my country?
Who do I see if I am having problems with my claim/claim forms/etc.?
Will the insurance company pay for any illness that I have had for several years?
Emergency Room is a Costly Option
Other Questions?
How do I file a claim?
If you go to the University Health Center all claims will be filed for you. If you have to go to another physician off campus, then you need to be sure and take your insurance card with you. Your insurance card has your account number, school group number, and billing instructions on the back.
How can I get an insurance card?
If you are an international student the insurance company will mail you an insurance card to the address that is showing on the University mainframe. If the address is not current please give your new address to the International Office as soon as possible. All other students should receive their card at home. If you have not received your card within a month of applying for coverage, be sure to call and check with the insurance company to be sure of your status. They have a toll free number for your convenience at 800-767-0700. Having your insurance card is very important, especially if you are seen outside the University Health Center.
How much will the insurance pay on my claims?
The insurance company has certain amounts that it will pay on all of your claims. It is to your benefit to come to the Health Center, as our charges are minimal and this will help to save your benefits. On prescription (medications) you buy at the Health Center, you will pay the first $15 and the insurance company will pay the rest up to $100 a year. On prescriptions you buy at a pharmacy outside the Health Center you will pay $15 for Tier 1 medications, and $30 for Tier 2 medications and the insurance company will pay the rest up to $400. There are some deductibles for services outside of the Health Center. Be sure to read all of your policy so you can be familiar with your benefits and services.
What do I do if I have my own insurance from my country?
You will need to bring your insurance policy and the Insurance Waiver Form to the University Health Center. They will ensure your policy covers everything required by the University and then credit your account for the insurance charge made by the university. Be sure to do this the first two weeks of the semester, because once the university has paid Student Assurance for your insurance you will not be able to get a credit.
Who do I see if I am having problems with my claim/claim forms/etc.?
Please call the insurance company with this toll free number 800-767-0700.
Will the insurance company pay for any illness that I have had for several years?
As stated in the insurance folder the insurance company will not pay for what they call pre-existing conditions, which means any illness which began, was diagnosed, treated or recommended for treatment within the year prior to the start of this insurance, unless you have been covered for the year previous to taking out the student insurance.
There are other things like acne of the skin/face, eyeglasses, dental care, Band-Aids, medications like aspirin, cough syrup, anything that you could buy without seeing a doctor, the insurance company will not pay for. Be sure to read your insurance pamphlet completely.
Emergency Room is a Costly Option
Going to the emergency room at the hospital may be necessary at times, but remember it is very expensive and the insurance company will not necessarily pay for all of the expenses. Please try to always first call the University Health Center at 660-543-4770 and let us help you. If we are not open then call one of the local physicians.
There are deductibles and other expenses you may incur on all visits. These are minimal if you go to a physician or hospital in the preferred provider network. The deductible is higher and the percentage the insurance company will pay is less if you go to a non-preferred provider or hospital. Be sure to read your pamphlet will before making a decision on your healthcare.
If you receive anything from the insurance company that you do not understand please bring it to the Health Center so we can help you with it. Some things sent to you by the insurance company need to be returned to them. Please do not just ignore them, as your bills will not get paid if you do not return all the requested information. Your bills will not automatically be paid just because you have insurance. Do not wait until you get a letter from a collection agency.
Other Questions?
Remember if you have any questions please call the insurance company directly or come to the Health Center on campus and we will be glad to help you.
