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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 student health fee is not insurance.

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

 

Bring your insurance card to every appointment. If you have a photo of the front & back of your insurance card on your phone, you can email it to us so we can scan it into our system. We either need the email or the card itself for Annual Enrollment purposes and to verify benefits for billing purposes. 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.
  • To file an insurance claim, you’ll need to know the birthdate (month-day-year) of the policy holder (this may be a parent).

 

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.
    • 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 can help pay for the expensive medical services in the urgent care, emergency room and hospital.

  • aetna student health insuranceMU students are eligible to purchase Aetna Student Health Insurance (ASHI). Their website has more information about benefits, premiums and enrollment period. Check their website for enrollment deadlines. 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, you may receive a substantial discount from Univerity Physicians toward your bill.

 

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 example, 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.

  • Copay
    • A copay is a flat fee you pay for certain health care services. Copays are determined by your insurance plan, and the medical office collects this fee for the insurance company.
    • For example, if your copay for a general doctor’s visit is $20, you will pay your $20 copay at the time of each visit. While at Mizzou, you will receive your final bill from University Hospital once your claim has processed through insurance.

  • Coinsurance
    • Coinsurance is how you share your health care costs with your insurance company, depending on the policy you choose.
    • For example, in the case of a 80/20 coinsurance, a $500 procedure will cost you $100, and your insurance company will pay the other $400.
    • If your policy has a deductible, coinsurance won't begin until your deductible has been met. Meaning, you have to pay the deductible before the 80/20 coinsurance begins.

  • More insurance terminology can be found at Healthcare.gov

 


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

Counseling
(psychologist or licensed clinical social worker)

  • Initial four assessment and therapy visits
  • Group therapy

Extended (5+) individual therapy visits



 

No. Covered by
health fee


Yes

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


Yes

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

 

 


Aetna Student Health Insurance video

 

How to print your Aetna Student Health Insurance card

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

 

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Updated: July 16, 2018