Call first for an appointment (573) 882-7481
Appointments Need To Know Forms & Policies Services eSources Programs
Home » Services & Costs » Insurance


Insurance (effective July 1, 2017)


Health care and insurance are complicated

First, 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 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 (your parent) so an insurance claim can be filed.

 

Ask to talk to our insurance specialists to help you make sense of your insurance benefits before your appointment or procedure.

 

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 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. 
    • For convenience, students may put copays on their university student account. 
    • 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.

  • MU students are eligible to purchase Aetna Student Health Insurance (ASHI). Check their website for more information about benefits, premiums and enrollment period.

  • 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 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 orange box
  • Enter your student ID and date of birth
  • Select “View Card”
  • Print

 

Copyright © 2017 - Curators of the University of Missouri. All rights reserved.
1020 Hitt St, 4th floor, Columbia, Mo. 65212
Ph: (573) 882-7481 | Fax: (573) 882-5370
Updated: April 4, 2017