Insurance & Charges
Student Health Services is able to provide affordable healthcare as a result of the tuition and fees package paid by students enrolled in on-campus classes. This eliminates charges for most office visits (regardless of what insurance you have) and allows the cost for care to be less expensive than most doctors’ offices in the Raleigh area. Some services such as woman’s annual well visits, lab work, x-rays, physicals, immunizations, physical therapy and other treatments have charges.
While there may be charges associated with your visit to Student Health Service, we believe that finances should not prevent students from getting necessary health care. If there are charges associated with your visit, you can pay on the day of your appointment or have your charges billed to your student account. We also will courtesy file for most insurance plans.
Student Health Services (not including Pharmacy) is considered an in-network provider for most of following plans: Blue Cross Blue Shield (with the exception of Blue Local, Blue Home, and Blue Select), UNC System Student Health Insurance Plan (SHIP), Cigna (with the exception of Psychiatry Service and the “Connect Network or SureFit”) Aetna (with the exception of Aetna Select) Medcost and United Health Care (with the exception of Psychiatry Service). Student Health is also considered a “Non-Network Participating Provider” with Tricare. We are considered out-of-network for all other plans.
We are currently negotiating with other major health insurance plans for in-network status – Check back soon!
For prescriptions, our pharmacy accepts over 200 outside insurance plans and will file prescription drug claims on your behalf with a current prescription card. You may contact the pharmacy to ask if they accept your insurance plan at 919.515.5040.
Comprehensive dentistry services are available to students and employees from within the Health Centers located at both Main Campus and Centennial. As an NCSU student, you and your family have access to custom dental insurance. To learn more, click here. To enroll, click here. Once enrolled, you are covered up to $2,000 for over 200+ dental procedures and pay $0.00 out of pocket at the Campus Smiles dental clinic on campus.
For questions regarding insurance, please contact Student Health Insurance
How to Use Your Insurance at Student Health Services
It is your responsibility to provide the Insurance Department with your most current health insurance card. This is necessary for Student Health Services to be able to process any charges, on your behalf, to your insurance plan as well as for any referral needs you may have. For prescriptions, you will need to provide your insurance information to the pharmacy.
As a benefit to you, charges not covered by your tuition and fees package will automatically be submitted to your insurance plan, provided we have your insurance information on file. After payment is received from your insurance provider or 30 days, any remaining balance will be sent to your student account. Student Health Services cannot courtesy file charges to Medicaid, Medicare, or plans from health insurance companies based outside of the United States.
You should always check with your insurance plan before receiving care.
Services Provided By a Specialty Provider
Student Health offers services provided by specialty clinics such as, Gastroenterology, provided by North Raleigh Gastroenterology, Orthopaedics, provided by Cary Orthopaedics and Dental Services provided by Campus Smiles. These clinics file consultation charges through their office which means deductibles, co-pays and co-insurances may apply even for SHIP. Please check with your insurance carrier regarding benefits prior to making an appointment.
Lab work and/or X-rays, ordered by a Specialty Provider and done here at Student Health, will be billed through Student Health. Out-of-network rates may apply as Student Health is not contracted with any health insurance plans other than SHIP and Blue Cross Blue Shield, Aetna, Cigna and United Healthcare. You should check with your insurance carrier to find out your out-of-network benefits.
To protect your privacy, we will not post medical details on your student account. We will give you an itemized statement 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 lists 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. If you elect not to use your insurance, you will need to notify the nurse and/or provider at the time of your service.