• What is the Health Fee?
The Health Fee is assessed to each student who is registered for five or more semester hours. It is on a semester basis and is automatically charged to the student’s U-bill account. The Health fee is not insurance. This fee covers a multitude of health activities, programs, and outreach we do across campus, and covers unlimited office visits to our clinic. However, there are charges for labs, immunizations, supplies, physicals (e.g. annual exams and pap smears), and procedures (e.g. removal of lesions and wart treatment).
• How do I pay for charges incurred?
We can submit claims to your insurance company, charge your UBill, or you may pay by cash or check at the clinic.
• Do I need to bring my insurance card?
Yes. The insurance card contains vital information needed to submit your charges. A copy of both the front and back of your insurance card will be sufficient. Information needed is the policy number and the policy holder’s name, address, phone number, date of birth, and employer.
• Will my insurance cover my charges?
You are advised to contact your insurance company to determine:
- Your benefits, copays, co-insurance, deductibles, and in & out of network coverage.
- Coverage at the UNI Student Health Clinic. Inquire if network coverage can be changed due to being away at college.
- If a referral is needed from a Primary Care Provider (PCP) to be seen at the UNI Student Health Clinic. Inquire if the PCP can be changed to a Student Health Clinic Provider. Each insurance company is different and covers different services. For instance, your insurance may not cover routine services (e.g. physicals and immunizations) but may cover services that are medically necessary (e.g. illness, injury). There is usually a customer number located on the back of your insurance card.
• What happens after an insurance company settles a claim?
Your insurance company may or may not pay charges for a variety of reasons. Charges may be applied towards your deductible or be a non-covered benefit; you may have used a provider who is out-of-network, or the insurance company did not receive requested additional information. Anything not covered by insurance will be posted to your UBill. It can take up to 8 weeks or more for an insurance company to process a claim. Therefore, it may be some time between your visit and when charges will appear on your UBill account.
• How do the charges appear on my UBill?
Charges that are posted to your UBill account are listed as “SHC-Clinic Charges.” Charges are not itemized or detailed. The charges listed on your U-Bill may also be from the SHC Pharmacy. We will not provide a patient’s health information to anyone without the patient’s written consent unless otherwise permitted under HIPAA or other regulations.
• Will my parent(s)/guardians(s) know why I was seen at the UNI Student Health Clinic?
The policy holder of the insurance may receive payment information from the insurance company. This is usually presented on a document titled Explanation of Benefits (EOB). The EOB may list the date of service and what type of service was performed (e.g. labs, immunizations, office visit). It may or may not be further detailed.
• Can I obtain insurance coverage through the University of Northern Iowa?
Contact the University of Northern Iowa insurance office. Phone: 319-273-7736 or by visiting our health clinic webpage.
• What if I have Medicaid coverage?
You need to present your current Medicaid card (Medicaid, Amerigroup, United Healthcare) at the time of your visit in order for your charges to be submitted.
• Is the UNI Student Health Clinic a participating IowaCare provider?
We are here to serve all students. However, our providers do not participate in IowaCare. If you are a member of IowaCare, you will be responsible for any charges. Payment options are U-Bill or cash/check.
Check with IowaCare to determine where your services will be covered.
- Co-payment/Co-insurance: A percentage or amount that you are responsible for paying as determined by your insurance company.
- Deductible: The amount the patient or insured will need to pay before insurance will pay for covered expenses.
- Explanation of Benefits (EOB): A document sent to the policyholder, listing the charges submitted to insurance, how much the insurance company will cover, and how much is the patient’s responsibility.
- HIPAA: Health Insurance Portability and Accountability Act. Federal regulations that protect the privacy of your health information.
- Insured: The individuals covered under an insurance policy.
- Non-Covered Service/Benefit: Charges submitted to an insurance company that are excluded by the insurance policy or considered non-payable by the insurance company.
- Non-Network Provider: (Out-of-Network) The provider seen is not a participating provider of that insurance plan. Therefore, the insurance company may not cover the visit or may cover at a reduced rate. Contact your insurance company before the visit to determine if special arrangements can be made to have these services covered.
- Policy holder: The owner of the insurance policy.
- Primary Care Provider (PCP): A medical professional who provides a broad spectrum of care and continuity while coordinating the health care of the patient. The PCP is chosen by the patient from a provider list supplied by the insurance company.
- Prior Authorization: Some insurance companies require you to obtain authorization from them before your visit in order for the visit to be covered.
- Referral: Some insurance companies require you to obtain a referral from your PCP if you choose to be seen by a different provider.