Health Insurance and Payment

General Information

The Northwest Missouri State University Wellness Center can bill your health insurance provider for services provided at the Wellness Center. Highland Campus Health Group (HCHG) is responsible for processing all of the Wellness Center’s insurance submissions. In order to process a claim according to your policy standards, it is possible HCHG will contact you directly and acquire necessary information pertaining to your visit. At no time will they send a bill or request payment from you. We appreciate your cooperation with their requests to expedite your claim in an efficient and timely manner.

Wellness Fee and Insurance Coverage

Your Wellness Fee covers the cost of a routine office visit (including the deductible or copay if one applies). NOT COVERED BY INSURANCE? An office visit is the consultation, diagnosis, and treatment recommendations from the Wellness Center nurses and provided. The Wellness Fee does not cover the cost of medications, supplies like splints and ace wraps, laboratory tests or procedures like injections and minor surgeries.

Insurance Coverage and Medication

Students have the option to purchase medications at the Wellness Center at the time of their visit. The Wellness Center does not bill insurance on medications. The cost of any medications can be applied to your student account or paid for at the time of service. Students may also receive a written prescription that they may take to the pharmacy of their choice.

Confidentiality

All services conducted at the University Wellness Center are kept confidential. Your health record is a private matter between you and your healthcare provider. No medical information (including reason for your visit) can be released without your written permission. At each visit to the Wellness Center, you will be asked to sign an Authorization to Release Information, which authorizes the Wellness Center to release any information required in the course of your examination and/or treatment to your insurance company or their contracted entities.

Important Notes

Before you arrive to your appointment make sure you have your insurance card. We will need a copy for our records and to make sure your claim is processed properly.
All Northwest students are encouraged to have health insurance coverage. It is your responsibility to know your insurance coverage and how to access it. For questions about your health insurance and University Wellness Center services (including if the Wellness Center is contracted with your health insurance provider), please contact the University Wellness Center at 660.562.1348.

Frequently Asked Questions

Is my office visit covered by the Wellness Fee?

Yes. Insurance or no insurance, you will never have to pay out-of-pocket for an office visit. Your Wellness Fee will cover the cost of a routine office visit (including deductible or copay if one applies) not covered by insurance.

I have insurance but do not have my card with me. Can I still file with my insurance?

In order for the Wellness Center to file your claim we will need to have a copy of your insurance card on file. We ask that you bring your card with you or provide it to us within 48 hours of your visit. This can be done by faxing us a copy (please fax both sides of your card to 660.562.1857) or by bringing your card to the Wellness Center for us to make a copy.

I just received an EOB in the mail. What is this?

EOB stands for “Explanation of Benefits.”

It is important to carefully read the EOB when you receive it. Your health insurer sends this document to you after you receive healthcare services. Remember, this is not a bill. Reviewing your EOB is a big step in preventing healthcare fraud and medical identity theft. If you find inaccuracies in this form, you should contact the medical provider and your health insurer's customer service.

What does it mean to be “In-Network?”

Being in-network means that we are contracted with your insurance company. We will file a claim to your insurance company on your behalf. If for whatever reason your insurance is not enforced or services are not covered, your student account will be billed.

What does it mean to be “Out-of-Network?”

Being out-of-network means that we are not contracted with your insurance company at this time, but we are working on getting a contract with them. Regardless of whetehr we are in or out-of-network, we will bill your insurance company on your behalf. Your insurance carrier may not cover services provided at the Wellness Center, or may cover them at a reduced rate (for example, they may only pay 50% of the bill, rather than 80%). Again, talk to your insurance carrier before you arrive at Northwest so you know whether services not covered by the Wellness Fee will be covered by insurance.

What if neither the Wellness Fee nor my health insurance covers the services provided at the Wellness Center?

Once we are denied payment from your insurance carrier (that is, you have not met your deductible, we are out-of-network, or the services delivered were not covered by your insurance company), we will bill your student account and you will be responsible for payment of all services not covered by the Wellness Fee and your insurance.

Can I purchase health insurance through the University?

For those students that are in need of insurance, Northwest offers coverage through Columbian Life. For more information, please contact the Northwest Missouri State University Bursar's Office at 660.562.1578.