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Student Health Services Expands Insurance Options

Student Health Services Expands Insurance Options

What is the student health fee?

The health fee is a mandatory fee that is charged to all students (except those enrolled in fully online degree programs and off-campus programs) as part of their tuition each semester.

 

What is the student health fee used for?

The health fee allows the University to provide high quality affordable clinical, preventative care and mental health services at convenient on-campus locations by various departments. These departments include: Student Health Services (SHS), Counseling and Psychological Services (CAPS), Victim Empowerment Program (VEP) and Disability Resource Center (DRC). They provide services such as:
-              primary health care
-              health education
-              class presentations
-              health fairs
-              services for students with disabilities
-              counseling for issues such as  anxiety or depression and
-              support services for victims of emotional or physical abuse.

These services are offered free or at a lower cost due to funding from the health fee.

 

Does everyone pay the health fee?  Who is exempt?

All students pay the health fee. Only students enrolled in fully online degree programs or those enrolled in off-campus programs (such as Broward Pines Center or Downtown) are exempt.

 

How much is the health fee?

The health fee is currently $93.69 per semester.

 

Why is Student Health collecting information about my health insurance plan?

Starting Spring 2014, Student Health Services (SHS) will begin accepting a wide variety of health insurance plans. Students enrolled in the University sponsored plan will not be impacted by this action.  All other students accessing services will be asked to provide their insurance information to determine which services are covered and billable to the student’s insurance and what charges, if any, will remain the responsibility of the patient.

 

Additionally, at the end of the visit, students will notice a change to their invoice, which will now include a charge for the office visit and other related charges (i.e. injections, supplies). These charges will either be billed to insurance, if applicable, charged against the student health fee or a discounted fee will be calculated for those without insurance.   It is important to note that for some services, a student will have an out of pocket expense, which the student will be responsible for paying.

 

These billing changes at SHS are a result of the changing needs of our students, our community partners and the health care environment and are meant to provide more flexibility and services to students through an expanded system of health insurance providers.  Since we understand all of this may be somewhat confusing, below are scenarios for students and parents alike to facilitate the use of the SHS at FIU.

 

Service

For students with insurance ACCEPTED at SHS

For uninsured students or students with insurance NOT ACCEPTED at SHS

Routine office visit with physician or nurse practitioner ONLY (i.e. NO medication administered or labs conducted)

Co-payment will be off-set by student health fee

Cost of visit off-set by student health fee

Victim advocacy counseling

Cost of visit off-set by student health fee

Cost of visit off-set by student health fee

Medication, EKG or lab work (strep culture, pregnancy test, blood work, etc.)

There may be some out-of-pocket cost, even if covered by the insurance (i.e. co-pay for medication, deductible, etc.)

 

Student health fee may cover some of the out-of-pocket cost

Pap smear

There may be some out-of-pocket cost, even if covered by the insurance (i.e. deductible, etc.)

Student health fee may cover some of the out-of-pocket cost

 

How is this better for students?

Student Health Services will now be able to provide more services to students with a variety of health insurance coverage and submit health insurance claims on their behalf to non-FIU sponsored insurance plans. This means that if there are any charges associated with the visit, the insured student may not have to pay out of pocket. 

 

What if students do not have any insurance?

FIU is committed to keeping all students healthy whether they have insurance or not. Students who pay the health fee have access to SHS to see medical providers, athletic trainers, use the services of the Wellness Center and all other programs and services covered by the health fee. For these students the health fee will continue to subsidize the cost of office visits, routine medical exams for illness or injury, medical consultations, family planning consultations, health education and screening for high blood pressure and other conditions, thereby lowering or eliminating direct cost to students. Any services (such as laboratory testing, medications, vaccines) performed outside of these, are available at nominal fees. Students also have the option of transferring charges from their visit to their school account, which can be paid at a later date either online or at the cashier located in the PC building at the Modesto A. Maidique Campus or in the Academic I building at the Biscayne Bay Campus.

 

Which services will be covered 100% by the health fee, for students without insurance?

For students who do not have insurance, the health fee offsets the cost of office visits, routine medical exams for illness or injury, medical consultations, family planning consultations, health education, screening for high blood pressure and other conditions at SHS.

 

Which services will not be covered by the health fee, for students without insurance?

These include: vaccines, lab tests (such as testing for strep, blood counts, mono, pregnancy, cholesterol and urinalysis), pap smear, STD testing, EKGs, TB screenings, medication (prescription, injection, and over-the-counter), immunizations (such as measles, mumps, rubella, hepatitis, and HPV) and other diagnostic testing and sub-specialty office visits.

 

If you have further questions, concerns or desire additional information, you may contact the Student Health Services Patient Advocate at the following numbers:

  • Modesto Maidique Campus:(305) 348-0331
  • Biscayne Bay Campus: (305) 919-4811