Insurance - Important Tips
- 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.
- 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.
- 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).
- 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.
- For information on Blood/Body Fluid Exposure (Needle-Stick Insurance), please click here.
- Copay payments can be made at the time of service at the front desk by cash, check, Lobo Cash, credit card (Visa, Discover, American Express, MasterCard), Flexible Spending Card, or by charging to a student bursar account. Total charges cannot be paid at the time of service. SHAC has to bill your insurance first.
- 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.
- Labs: Click here for information.
- 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).
- 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.
Your insurance company may be better at protecting your privacy than you think—but you'll never know if you don't ask. Always call your insurance company directly for this type of questions.
EOBs are the documents your insurance company sends out that show the basic information about anything your plan helped cover during that statement period, from prescription costs to hospital payments. For those without a health policy background, the Health Insurance Portability and Accountability Act (HIPAA) is designed to protect an individual’s health privacy, but HIPAA rules allow EOBs to go to the “primary enrollee” of an insurance plan (a.k.a. parents) for billing purposes—as long as only necessary information is included. Different insurance companies have different interpretations of exactly what information is necessary, so EOBs vary in detail from one company to the next.
Not every insurance company will allow information to be withheld from the person purchasing the plan. In fact, laws can vary state-by-state, so some states might be more protective of your information than others. When it comes to EOBs, federal privacy regulations require insurers to honor a patient’s request that they not disclose confidential information only if releasing the information would put the patient in danger.
Make sure to cover these key points too:
Where the EOBs are sent
Whether there is online access to the insurance account
Whether names or locations of providers are included in the EOB
Whether your parents can request information about your healthcare without your permission
And confirm that you’re totally safe with these questions:
“Is there any way my parents can see details about what services I’m receiving?”
“Can my parents see any information about me on the insurance website?”
“Can my parents see where I received treatment?”
If you have billing questions, please contact SHAC and ask to speak to a Billing Representative at (505) 277-3136, Option 4.