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Insurance (effective July 1, 2017)

Insurance plans that have contracted with the MU Student Health Center & MU Health Care

insurance plansWe accept these insurance plans. Call the phone number on the back of your insurance card to verify your benefits and coverage and for information on co-payments and deductibles. Ask to talk to our insurance specialists to help you make sense of your insurance benefits before your appointment or procedure by calling 573-882-7481.



Health care and insurance are complicated

health fee informationFirst, most people agree health insurance is complicated. We’re here to help you understand how your insurance will work to support your health care while you’re on campus. Remember, your pre-paid health fee is not insurance.

Each health insurance policy comes with specific benefits and includes designated networks. Student Health Center has contracted with Aetna Student Health and, through University Physicians, all major insurance payers.


Bring your insurance card to every appointment. Or you can use your phone to take a photo of the card’s front and back. Why is your card important?

  • It lists your copay – the amount your insurance expects you to pay at each appointment.
  • It lists contact information for your insurance company – so we can help you check your deductible and help you make the best decision if your Student Health provider orders lab, x-ray or if you need referral to a specialist.
  • You’ll also need to know the birthdate (month-day-year) of the policy holder so an insurance claim can be filed.


Other things you might want to know

  • After a medical visit to a provider, University Physicians billing office prepares your medical bill and sends charges to the designated insurance carrier. The University of Missouri Health Care applies fair billing and collection practices to all who seek their services.<br/>
    • The policy holder or designee (student) then receives an explanation of benefits (EOB).
    • When the amount of the policy’s annual deductible has been paid (out-of-pocket), insurance payment will begin. 
    • Actual medical bills will not be charged to the student university account.

  • It is the student’s responsibility to contact the insurance carrier concerning coverage of medical care while away from home.

  • Insurance is required for all international students, regardless of the number of credit hours.
    • Insurance is strongly recommended for domestic students. 
    • Insurance will help pay for the expensive medical services in the urgent care, emergency room and hospital.

  • aetna student health insurance interactive tool for understanding insuranceMU students are eligible to purchase Aetna Student Health Insurance (ASHI). Their website has more information about benefits, premiums and enrollment period. Enrollment deadline is Feb. 9, 2018. They also have a great interactive tool that explains how insurance works. The Medical Billing and Coding organization also has a guide to understanding health insurance options for college students.

  • Uninsured students will be encouraged to purchase ASHI within the specified enrollment period. If this is not possible, the student’s medical bill will be handled according to Univerity Physicians policy, receiving a 45% discount from the billed amount.


Insurance terms you might want to know

  • Out-of-pocket costs
    • the health care expenses that are your responsibility to pay.

  • Deductible
    • the total amount that you must pay before your insurance company begins contributing.
    • For instance, if you have an insurance plan with a $2,000 deductible, you will be responsible for 100% of your healthcare costs until those costs reach $2,000.
    • Once your $2,000 deductible is met, your insurance company will begin sharing the costs of your health care services, usually through a copay and coinsurance.

  • Copay
    • a flat fee you pay for certain health care services once you have met your deductible.
    • If your copay for a general’s doctor’s visit is $20, you will pay your $20 copay at the time of each visit rather than the full amount of the visit (which could run into the hundreds).

  • Coinsurance
    • how you share your health care costs with your insurance company, depending on the policy you choose.
    • In the case of a 80/20 coinsurance, a $500 procedure will cost you $100, and your insurance company will pay the other $400.

  • More insurance terminology can be found at


Summary of FY18 Student Health Center Charges

Student Health Center visit Incurs charges Student Health Center visit Incurs charges
Medical visit
(physicians, nurse practitioner)
Yes Health Education specialists visits No. Covered
by health fee
Immunizations Yes Behavioral health consult (medical clinic) No. Covered
by health fee
Allergy Yes

(psychologist or licensed clinical social worker)

  • Initial four assessment and therapy visits
  • Group therapy

Extended (5+) individual therapy visits


No. Covered by
health fee


Travel visits and shots Yes Psychiatric care
(psychiatrist, nurse practitioner)
  • Initial four assessment and therapy visits

Extended (5+) individual therapy visits


No. Covered
by health fee


Medical procedures
(wart treatment, sutures, incision and draining abscess)
Intravenous fluids Yes    
Medications given in office Yes    
Orthopedic supplies
(splint, brace, wraps)



Aetna Student Health Insurance video


How to print your Aetna Student Health Insurance card

  • Visit
  • Enter University of Missouri - Columbia in the search box on the right
  • Select “Print Your ID Card” in the orange box
  • Enter your student ID and date of birth
  • Select “View Card”
  • Print


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Ph: (573) 882-7481 | Fax: (573) 882-5370
Updated: Dec. 18, 2017