Health Insurance Plans Accepted at SHAC

SHAC offers comprehensive outpatient medical and mental health services for all currently enrolled UNM students who are paying student activity fees. This applies to part-time and full-time students.

UNM SHAC accepts most commercial plans (see list below). Note: Coverage is dependent upon your benefit eligibility. Please be aware, contracts are subject to change without notice.

NOTE: SHAC does NOT accept Medicare.

UNM Student Health Insurance

SHAC can submit medical insurance claims for the UNM Student Health Insurance Plan. We do not offer services to spouse/dependents. You must enroll in the health plan to be covered. This is a UNM plan, not a SHAC plan.

SHAC Pharmacy

For information on insurance plans accepted at the SHAC Pharmacy, see Pharmacy Insurance, or call the Pharmacy at 277-6306. Faculty/Staff can use SHAC for limited services. However, SHAC can only bill insurance plans for Faculty/Staff at the Pharmacy.

Insurance Navigator

An Insurance Navigator is available at SHAC on Wednesdays from 10:30 AM to 5:00 PM to assist students and community members with Medicaid enrollment and insurance options. For questions or to schedule an appointment, e-mail:

Important Tips

  1. Students are not required to have health insurance to be seen at Student Health & Counseling (SHAC). However, SHAC strongly recommends that all students have health insurance to help defray healthcare costs.

  2. Please provide insurance information when you make an appointment. Bring your insurance card at time of service. If you do not have insurance or insurance we contract with, you will be responsible for fees and services at a self-pay rate. We are unable to change your insurance information once a claim has been filed.

  3. Our self-pay rates are normally below market. For example: The average cost of an X-ray is $75.00 without insurance. Medical appointments are $15 (or less with Medicaid). Some services are free (e.g., one Triage and one Counseling session; does not include an assessment visit).

  4. You are responsible for understanding your plan benefits, co-pays, and deductibles. Some services require prior authorizations and may not be scheduled on the same day. Your insurance benefits may be different for Counseling/Behavioral services. If your Insurance is not from New Mexico, you may be considered “out-of-network” by your insurance; rates will apply accordingly. Always contact your Insurance Plan if you have questions. The phone number is usually on the back of the insurance card.

  5. For information on Blood/Body Fluid Exposure (Needle stick Insurance) please click here.

  6. Payments can be made at the front desk by cash, check, Lobo Cash, credit card (Visa, Discover, American Express, MasterCard), or by charging to a student bursar account.

  7. In order to ensure privacy, your Bursar’s account will not reflect individual charges. The date will reflect when the Bursar’s charged the account NOT date of service. Charges may reflect services rendered within the last 30 to 90 days. 

  8. SHAC Lab: Few labs are done in-house. The majority of lab work is sent to Tricore for processing. Tricore will bill participating insurance plans that SHAC has an agreement with. If you are uninsured, or have an insurance plan we do not have an agreement with, you will be billed directly for your labs from SHAC.

  9. SHAC may, at times, enter into an agreement (MOU) with other departments in the UNM community to provide services for certain groups of enrolled students who are not paying student fees, or departments who want to pay for additional services.  These agreements will specifically define what services can be provided and at what rates (for example GEO and the BA/MD programs).

  10. Health insurance will not pay for “no-show” charges ($20). This applies for Medical and Counseling Services. A “petition” to waive the fee can be filed online. See No-Show Petition. This should be for superfluous circumstances only.

Billing Questions

If you have billing questions, please contact SHAC and ask to speak to a Billing Representative at (505) 277-8000.