We strive to offer first rate, low cost health and counseling services on campus to keep our students in good health; insurance is not required to receive care. Student Assurance Services coordinates and manages the enrollment and eligibility process for UW-System schools and is available to assist those with questions.
Insurance Billing at UHCS
There are no fees for Counseling, Employee Assistance, or Wellness programs.
There is no cost to see a provider at UHCS. There is a fee for laboratory tests, medications, some procedures, and physicals, which are available at a reasonable cost. If a student must be referred off-campus for x-ray, specialized care, emergency room care or hospitalization, s/he will be charged by those providers/facilities.
Any fees incurred will be charged to the student bill. UHCS does not bill to insurance companies; however, the student may request a receipt to submit to his/her insurance company.
Please see our “Fees” page for more information.
Health Insurance Available for Students
If a student is not covered under a family insurance plan, we strongly recommend purchasing a plan; the University-endorsed health plan is an option. It is an economical illness/injury plan and protects the student from potentially catastrophic health care costs.
UW-Systems contracts for voluntary health care insurance for students underinsured or not covered under another plan.Student Assurance Services coordinates and manages the enrollment and eligibility process and is available to assist those with questions. By clicking the Student Assurance Services link, you will also have access to details on how to submit claims as well as other helpful resources.
For preliminary information for both domestic and international plans please use the following:
If you have a service claim including August 4th, 2013 or prior with the prior health insurance vendor Gallagher Koster, please visit their website at Gallagher Koster.
Questions about the Affordable Care Act?
The Affordable Care Act Offers new Health Insurance Options for Students
Information on the Affordable Care Act is expected to change, so please check back here and go to healthcare.gov
UW students may wish to consider new health insurance options available due to the Affordable Care Act (ACA), a Federal law passed in March 2010 which phases in over several years.
One provision of this law that has already benefitted many students allows dependent children (including students) to remain on their parents' insurance plan until their 26th birthday. Under the ACA dependent children can remain on a parents’ plan even if they no longer live with their parents, are not a dependent on a parent's tax return, are no longer a student, or are married.
Starting January 1, 2014, the Federal Affordable Care Act requires most individuals to have health insurance.
If you do not have health insurance, you will want to shop for it. The law also provides new opportunities to acquire affordable insurance. As an example, you may be eligible for coverage through the new online health insurance exchanges (also called the Health Insurance Marketplace). Exchanges can help you locate and compare plans, including coverage, benefits, premiums (purchase price), deductibles, and co-payment costs.
The exchanges opened October 1, 2013 for the purchase of insurance coverage that takes effect January 1, 2014. Open enrollment runs through March 31, 2014, however December 15, 2013 may be the last day to purchase coverage that starts January 1, 2014. Check back at healthcare.gov to learn if this date is amended.
You may find that you qualify for a premium subsidy (assistance) that will reduce the cost of an exchange plan. In some cases you may also qualify for a cost-sharing subsidy that will lower your out-of-pocket healthcare expenses. Whether you are eligible for a subsidy depends on your income. To learn what coverage and the level of assistance that might be available to you, visit healthcare.gov.
What to do now:
Start by making a list of things that will be important in your coverage decision, for example:
- Know how your current health insurance plan (if any) works, whether it will continue, and when it will renew.
- Know about your insurance coverage in the area, since many health insurance plans provide more limited benefits when you are away from your home or “out-of-area.”
- When purchasing a health insurance plan, you should not consider premium cost alone. Plans with higher out-of-pocket expenses may have lower premiums, but a high deductible and high member coinsurance can make members reluctant or financially unable to receive necessary medical treatment.
Also watch the UHCS website for updates regarding the University of Wisconsin System Student Health Insurance Plan (SHIP) to learn if that will provide a useful option for you.
The next SHIP open enrollment period begins on December 15, 2013, for coverage effective January 15, 2014. Please check back here for additional information. Note that SHIP will not appear in your ACA health insurance search results, because student plans are not listed on the exchanges.
You can access the online health insurance exchange by visiting healthcare.gov, click on Individuals and Families, answer a few quick questions and you'll get:
- A list of coverage options for which you may qualify (specific plans and prices available Oct. 1) After October 1 and when the site is more fully functional,
- Answers that will help you make good decisions
- A personalized checklist to help you get ready to apply
- Access to a call center and chat for help
Many benefits of the Affordable Care Act may vary from state to state. See where your state is in the roll-out process. Some states have opted for the federal government to run their exchanges (including Wisconsin), while other states are running their own exchanges. Expansion of the Medicaid program also varies by state.
For more information:
- Kaiser Family Foundation
- Video Explaining the Affordable Care Act
- To learn more about health insurance options for young adults in Wisconsin, please visit the Covering Kids & Families web site.