Health Insurance

If a student has their current health insurance information on file with our clinic, the Student Health Clinic will bill their insurance company for any charges that the student may incur during their visit at the clinic. Any charges that are not covered by the insurance company will be transferred to the student’s U-bill account.

Health insurance plans and coverage can vary drastically. The Student Health Clinic encourages students to check with their insurance company ahead of time to ensure their insurance will cover any charges they may have at the Student Health Clinic.

We understand that health insurance is complicated and we will do our best to help answer any questions you have, however the majority of the time, your insurance company is the only one who can provide coverage information for you.

The student health fee allows access to high quality health care for our UNI students by helping support the overall cost of the health center. However, the health fee is not health insurance, nor does it provide free access to health care.

If you do not have health insurance and are interested in UNI student health & dental insurance, visit the Student Health/Dental Insurance web page for more information.

Billing Questions

For questions about billing from the Student Health Clinic, you may stop by the clinic during normal clinic hours or contact the Billing Department directly at 319-273-7962. If you have insurance coverage related questions, please contact your health insurance carrier's customer service number on the back of your insurance card.

Submitting Health Insurance Information

You may use the QR code to submit your current health insurance information to the UNI Student Health Clinic or submit information to health insurance. Please include the information below:

  • Policyholder's name, address, and date of birth
  • Upload a copy of your insurance card (front and back)
QR Code

Frequently Asked Questions


  • 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.

  • Prior Authorization: Some insurance companies require you to obtain authorization from them before your visit in order for the visit to be covered.

  • ‌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.

  • Referral: Some insurance companies require you to obtain a referral from your PCP if you choose to be seen by a different provider.

  • 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.