It is your responsibility to provide Campus Health with your most current health insurance card. Charges not covered by tuition and fees will be filed withyour primary insurance company. Campus Health cannot file charges to secondary insurance or plans from health insurance companies based outside of the United States.
To expedite your appointment check-in process, submit your insurance card (front and back) in advance to our health records department (PDF attachment preferred). Please include your PID number as well as the primary card holder's name, date of birth, physical mailing address, phone number, and relationship to you. Call 919-966-6588 with any questions.
We recognize that out-of-pocket costs vary, and thus are working to be an in-network or preferred provider with a variety of companies.
How Unc Health Transformation Helped It Respond To Covid 19
Please remember that the Campus Health Pharmacy and Student Stores Pharmacy are in network with virtually all US health insurance plans including all of those listed above.
For all otherinsurance plans not listed above, Campus Health will electronically file claims as an out-of-network provider. Any charges not covered by Health Insurance will be the patient's responsibility.
You should view your benefits and exclusions in advance of treatment.It is your responsibility to follow up with your insurance company for any unpaid claims.
Health Policy And Management
SomeHMOsdo not offer out-of-area coverage for medical care. To avoid charges that are not reimbursable, please check with your HMO before coming to school to ascertain if you will be able to get an exemption if you are attending college in a different area. If this exemption is not granted, there may be charges for diagnostic testing and specialty care that may not be reimbursable by your insurance company.
Some insurance plans limit coverage to only preferred providers (providers with in-network status). Charges for services at Campus Health will be processed as out-of-network unless the plan is on this list of in-network providers. If Campus Health is out-of-network with your insurance, you will be responsible for all charges incurred. To avoid charges that are not reimbursable, please check with your insurance company before using Campus Health.
Any Medicaid patient can use Campus Health for Office Visits and any other service covered by theCampus Health Fee. Similarly, Medicaid patients can have blood work done at our lab as those charges will be billed by LabCorp.
Policies And Procedures
If you have any questions related to Medicaid and Campus Health, please call Patient Accounts at 919-966-6588 or send an email toinsurancerep@unc.edu.
Many insurance plans offer a prescription card benefit program.Campus Health Pharmacy participates in most of these plans. A completeCampus HealthPharmacy and Student Stores Pharmacy formularyis available on thePharmacy Serviceswebpage.
To protect your privacy, we will not post medical details on your student account. An itemized statement can be provided upon request. When you use your health insurance, the policyholder (the main person on the health insurance plan) may receive an Explanation of Benefits (EOB) from the insurance company. The EOB may list the services you received, how much the insurance paid, and the amount, if any, that you are responsible for. You can decide at each appointment whether to use your insurance for that visit.
School Of Medicine Administration And Finance Leadership
If you prefer for Campus Health to not file your insurance, you will need to notify Campus Health staff at the time of your service.
If you want to pay for lab charges, you will have to wait to pay until the lab test results are received. Please contact the Campus Health Billing Office two days after the lab tests are performed by calling (919) 966-6588.
You can research dental insurance options on your own. Dental insurance generally covers two cleanings per year and then a percentage of the cost of fillings, crowns, x-rays, extractions, and other dental procedures based on the policy benefits.
New And Recently Updated Policies
Most dental insurance policies have a waiting period before you can receive any extensive care such as an extraction or crown.For example: If you need your wisdom teeth pulled, you may have to wait six (6) months after purchasing your dental plan before having the procedure done. This depends on the nature of your coverage, so read through the policy benefits carefully.
Affordable Care Act-The Affordable Care Act is the comprehensive health care reform law enacted in March 2010. The law was enacted in two parts: The Patient Protection and Affordable Care Act was signed into law on March 23, 2010, and was amended by the Health Care and Education Reconciliation Act on March 30, 2010. The name “Affordable Care Act” is used to refer to the final, amended version of the law.
Certificate of Creditable Coverage -There may be circumstances where your insurancecarrier will require proof that you were covered in the previous 12 months by another insurance company in order to waive a pre-existing condition.The certificate will show the effective and termination dates of your previous insurance policy.
Unc Health Lenoir
Certificate of Verification- A certificate from an insurance carrier defining the policy coverage dates for a plan you have not yet terminated or canceled. This certificate is used to show that you remain covered under a specific plan and would not show a termination date.
Co-insurance- Co-insurance means the insured person (you) and the insurance carrier share costs according to a specified ratio (e.g. 80%:20% or 70%:30%) of the hospital or medical expenses resulting from a sickness or injury.
Co-Payments (co-pay) -Payments made by the insured person (you) toward the cost of a particular benefit. For example, the current hard waiver student insurance plan effective August 1, 2022, requires a $35 co-pay for office visits and $70 co-pay for specialist visits for services received outside Campus Health (questions regarding specific charges should be addressed to BCBS). There is a $75 co-pay for Urgent Care appointments. An emergency room visit has a separate $500 co-pay. This encourages students to make an informed decision on Emergency Room visits.
Unc Chapel Hill Journalism Dean, Donor At Odds Over Hannah Jones
Covered Benefit -A covered benefit is a medical service or procedure, prescription, immunization, x-ray, etc. that your insurance carrier will consider for payment. Depending on your specific insurance policy, your insurance carrier may not pay a covered benefit until you have satisfied (paid) your deductible, co-pay, or co-insurance and the payment of a covered benefit may apply differently at an in-network and out-of-network provider.
Covered Illness/Sickness -A covered illness/sickness is any disease, infection, or condition other than an injury that is first treated or diagnosed by a doctor on or after the effective date of coverage under the insurance plan unless pre-existing condition waivers apply.
Covered Injury -A covered injury is an accidental bodily injury that causes loss - directly and independently of all other causes - and is sustained on or after the effective date of coverage under the plan, unless pre-existing condition waivers apply.
Tattoo & Piercing Shop Insurance In North Carolina
Deductible- A deductible is the amount of out-of-pocket expenses the insured person (you) must pay for health services before benefits become payable by the insurance carrier.
EOB or EOP– This is an Explanation of Benefits or Explanation of Payment. Your insurance carrier provides this information for each claim submitted. It explains how the payment was made for each claim. Sometimes the EOB or EOP will request additional information to continue processing a claim. EOB’s should be reviewed carefully.
Generic Drug- A drug that is the same as a brand-name drug in dosage, safety, strength, how it is taken, quality, performance, and intended use. Before approving a generic drug product, the FDA (Federal Drug Administration) requires many rigorous tests and procedures to assure that the generic drug can be substituted for the brand name drug.
Degrees And Certificates
Grandfathered Health Plan- A health plan that was created, or an individual health insurance policy that was purchased on or before March 23, 2010, and the written policy has not changed. Grandfathered plans are exempted from many changes required under the Affordable Care Act.
Hard Waiver- Health insurance is required as a condition of enrollment. Students may waive the UNC System Student Health Insurance Plan but must provide proof of existing creditable insurance coverage.
Insurance Payment -Your insurance policy must be in effect at the time of services for your insurance carrier to consider any services for payment. Treatment before your effective date or after your termination date will not be paid.
Using Insurance At Campus Health
In-Network Provider -An in-network provider has contracted with your insurance carrier to take an adjustment (reduce the amount you have to pay the provider). The adjustment will vary depending on your insurance policy.
Non-Formulary -Drugs that are not on the insurance companies' list of preferred drugs. This would be an extra cost to the patient. Usually, there is an alternative option of the drug that can be used or prescribed by your physician.
Pre-Existing Condition -A pre-existing condition is an injury, illness, or pregnancy for which medical care, treatment, diagnosis, or medical advice was received or recommended or medication was prescribed prior to the effective date of the insured person’s coverage under the insurance plan. The current student insurance plan limits pre-existing conditions to within six months prior to the plan effective date.
Unc Health Workers March To Show 'commitment To Fighting Health Inequities'
Primary Care Physician (PCP) -A physician, nurse practitioner, clinical nurse specialist, or physician assistant, who provides, coordinates, or helps you access a range of health care services.
Qualifying Life Event- If you have a life event similar to the ones listed, you may
0 comments
Post a Comment