Billing

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 a women’s annual well visit, lab work, x-rays, physicals, immunizations, physical therapy and other treatments have charges.

While there maybe charges associated with your visit to Student Health Service, we believe that finances should not prevent students from getting necessary healthcare. We courtesy file most major insurance plans but you do not need insurance to use Student Health Services. 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.

Accepted Insurances

Student Health Services (not including Pharmacy) is considered an in-network provider for the following plans: Blue Cross Blue Shield and the Student Health Insurance Plan (SHIP), Aetna and Cigna (with exception of Psychiatry Service and the “Connect Network”). Student Health is also considered a “Non-Network Participating Provider” with Tricare. We are considered out-of-network for all other plans.  However, as a benefit to you, charges not covered by your tuition and fees package will automatically be submitted to the insurance carrier if you have coverage with the Student Health Insurance Plan or for students with other insurance coverage, our Insurance Department will file claims for incurred charges, as a courtesy, for most health insurance plans after we receive a current copy of your insurance card.

You should check with your insurance carrier to find out your out-of-network benefits. 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.

For questions regarding insurance please contact student-health-insurance@ncsu.edu.

How to Use Your Insurance at Student Health Services

Bring your insurance card to each visit. Although we may have your insurance information on file please stop by the insurance department after your visit to ensure we have the most current information on file. To use your insurance for prescriptions, take your insurance card to your pharmacy.

Student Health Services cannot accept Medicaid, Medicare, or plans from health insurance companies based outside the United States. If you have an HMO plan, call your insurance company before your appointment. HMO plans typically do not pay for care at Student Health Services. The cost of healthcare depends largely on what kind of care you need and your insurance plan. Health insurance plans vary a great deal, and usually cover only part of the costs. You are responsible to pay the remainder. Student Health Services will bill your insurance company and after your insurance pays us, we bill your student account for your portion.

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, Dermatology, provided by Midtown Dermatology, 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, Blue Cross Blue Shield, Aetna and Cigna. You should check with your insurance carrier to find out your out-of-network benefits.

Privacy

To protect your privacy, we don’t post medical details on your student account. We will give you an itemized statement upon request. When you use your health insurance, the policy holder (the main person on the health insurance plan) will 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 decide not to use your insurance for a particular appointment, you must tell us on the day of that appointment. Call (919)513-8045 during regular business hours or e-mail student-health-insurance@ncsu.edu any time. If you’re undecided, talk with our Insurance Department or the person who pays for your health insurance.