Presented by: Linda Heady, MBABenefits Administrator

Medical Care at WKU and Insurance

The system is privately funded, not government sponsored or socialized

Payment is the responsibility of the individual, with or without health insurance

Even with health insurance, medical treatment in the US can be very expensive. Without health insurance medical treatment can be extremely expensive

Before you visit a doctor, hospital or facility, always check to see if your insurance will be accepted.

Keep copies of all bills and papers for at least one year.

You can ask a second doctor for an opinion before getting treated

Inform your doctor about the conditions and medications you have had in the past

You can ask the doctor questions about your conditions and medications you have had in the past

Go to:Urgent Care: 8AM – 8PM everyday Phone: 270-781-3910 Cost is $50

Greenwood Clinic: 8AM-6PM Mon-Fri, 8AM-2PM Sat Phone: 270-843-5662 Cost is $50

Call 911Go to the Hospital:

Greenview Emergency Room (Hospital): Phone 270-793-1000Medical Center Emergency Room (Hospital): Phone 270-745-1000

Cost is at least $250 or more depending on the number of services required.

Monday thru Friday from 8 a.m. – 4:30 p.m. Potter Hall, Room 409 Phone 270-745-3159There is a ONE-TIME $20.00 fee for paperwork and documentation. After the one-time fee, students have unlimited access. Services are confidential and NO information is released without the student’s written permission, unless in an emergency situation. Individual and group counseling services are offered to help with coping strategies, conflict resolution, and crisis situations related to:

College Adjustment Eating Disorder

Decision Making Bipolar Disorder

Problem Behaviors Stress Management

Grief/Loss Depression/Anxiety

Relationship Issues Suicide Prevention

Sexual Assault/Abuse

Student Health Insurance – Major Medical Insurance Plan

You will need to pay $840 in August for Fall 2015 Semester (coverage dates are August 1st through December 31st 2015.You will need to pay for health insurance AGAIN each semester.

To access your account, go to www.uhcsr.com to “Create Your Account”.

On this site, you can:Request an ID CardView/Print an insurance cardLocate a DoctorView/Print proof of coverage

Deductible – Dollar ($) amount you will need to pay before the insurance will pay.

Co-Payment (Copay) – Specific dollar ($) amount you must pay at the time of service.

Co-Insurance - Dollar ($) amount based on a percentage you must pay for services.

Preventative CareAnnual ExaminationsTobacco use screening and cessationDepression screening for adults

Well women ExamsContraceptives/Birth control

Immunizations/VaccinesHepatitis, HPV, Flu, MMR, Meningitis, Pneumonia, Tdap, Varicella

Health Services In-Network Provider(United Health Care)

Out-of-NetworkProvider(United Health Care)

You pay $0Insurance pays 100%

(Except if you see the Psychiatrist, it will be a $50 copay)

You pay $50 (copay) You pay $50 (copay)Insurance pays 75% and you pay 25%

Physician Office

In-Network Provider(United Health Care)

Out-of-NetworkProvider(United Health Care)

Urgent Care You pay $50 AHP pays 100%

You pay $50 AHP pays 75% and you pay 25%

Emergency Room (Hospital)

You pay $250AHP pays 100%

You pay $250AHP pays 75% - you pay 25%

Urgent Care or Emergency Room

Health Services IN NETWORKUnited Health Care(If a complex Lab, Graves Gilbert Clinic it to Quest)

OUT-OF-NETWORK

You pay $0AHP pays 100%Some of these include: UA, Glucose, CBC, Flu, Strep, Mono, Pregnancy Test, Wet Prep Stain, prep for fungal elements on skin

$50 copayAHP pays 100%Some of these include: Pap Smears, Lipid Panel, Liver Tests, Comp Metabolic Panel, Gonorrhea & Chlamydia testing

$50 copayAHP pays 75% - you pay 25%

Laboratory

IN NETWORKUnited Health Care

OUT-OF-NETWORKUnited Health Care

Hospital Expenses AHP pays 80% of Preferred Allowance (You must first pay $250 deductible, then 20%)

60% of Usual and Customary Charges(You must first pay $600 deductible, then 40%)

Surgery AHP pays 80% of Preferred Allowance (You must first pay $250 deductible, then 20%)

60% of Usual and Customary Charges(You must first pay $600 deductible, then 40%)

Hospital and Surgery Coverage

Health Services IN NETWORKUnited Health Care

Prescription Drugs Some medications available

You pay $15 for genericYou pay $30 for brand name

Immunizations and Prescription Drugs

You will receive an EOB (Explanation of Benefits) from

HealthSmart (THIS IS NOT A BILL)