Insurance

The health fee is a mandatory fee assessed to each student who is registered for one 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 health insurance nor does it provide free access to health care. This fee covers a multitude of health activities, programs and outreach we do across campus, and covers unlimited basic office visits at 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).

We can submit claims to your insurance company, charge your U-Bill, or you may pay by cash or check at the clinic.

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.

You will need to provide your new health insurance card to the Student Health Clinic either prior to or at the time of your appointment so that charges will be billed properly. If your parent or guardian changes jobs, this is a good time to make sure that you update your insurance.

We highly encourage students to contact their insurance company to determine:

1. Your benefits, co-pays, co-insurance, deductibles, and in & out of network coverage.
2. Coverage at the UNI Student Health Clinic. Inquire if network coverage can be changed due to being away at college.
3. 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.

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 U-Bill. It can take up to eight 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 U-Bill account.

Charges that are posted to your U-Bill account are listed as “SHC-Clinic Charges.” Charges are not itemized or detailed. 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.

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.

Contact the University of Northern Iowa insurance office - phone: 319-273-7736, or by visiting our health clinic webpage.

You need to present your current Medicaid card (Medicaid, Amerigroup, Iowa Total Care) at the time of your visit in order for your charges to be submitted.