Insurance Questions Answered

We provide care for all students no matter how you pay for services. The amount of money that BU charges for services is based upon the type and complexity of the service and procedure we provide. We accept all insurance plans, including the Butler University offered plan. You do not need to bring money to your visit to be seen; all charges incurred can be put on your student account. Never let the cost of services prevent you from getting needed healthcare at Health Services.

When seeking treatment at BU Health Services always bring your BU identification card and your insurance card with you to each visit.

It is the University’s policy for undergraduates and graduates to provide evidence of a minimum amount of health insurance or to enroll in the University-sponsored plan. The online verification process begins mid-May. Students who do not comply with this policy by the established deadlines will automatically be enrolled in and billed for the University sponsored plan. Enroll in the University plan.

At any time, students may elect not to utilize their health insurance. Health Services charges may be charged to your student account or you may pay cash, or write a check. Any charge that appears on your student account billing statement will simply read, “Health Services” or “Health Services lab.”

BU Health Services is contracted with the following insurance companies, however these contracts may change intermittently, so you are encouraged to check with your insurance provider for coverage. PPO’s may not cover BU Health Services at the same rate as preferred providers.

• Anthem BC/BS
• Aetna
• Cigna
• Community Health Alliance
• Humana
• Medicaid
• Medicare
• MultiPlan/PHCS (PPO)
• Mutual Medical of Ohio
• Sagamore
• Tricare
• United Healthcare

If your insurance plan is not on this list, please provide your insurance card during check in. Oftentimes your plan may be considered “in-network” with the myriad of insurance rental networks. BU Health Services will bill all insurance plans, including plans considered “out-of-network.”

Let’s say you have a sore throat and you come to BU Health Services for treatment. You provide your insurance card and your BU ID to the registration staff. Usually there will be a co-pay amount required by your insurance company that can be charged directly to your student account. After registering, the BU Health Services provider would examine you, decide on what tests or treatment you need (like ordering a strep test or a throat culture or both and possibly prescribe a medication).

Health Services will bill your health insurance for these services rendered. You are responsible for any remaining balance. Health Services will charge this balance to your student account. We want to bill your health insurance not your account so please bring a copy of your health insurance card to your visit.

Co-pay is a fee that you are responsible for; it is determined by your insurance plan. At BU Health Services, the office visit co-pay can be applied to your student account. Most often this amount is shown on your health insurance card. If you have questions you should check with your insurance company to find out more about your co-pay amount.

At this time BU Health Services does not have a way to work with flexible spending accounts (FSA). Be sure to ask your nurse for a receipt at the time of service if you plan to file for a reimbursement from an FSA account.

Your insurance company will processes the Health Services claim for payment according to your plan benefits. In addition, your insurance company will also send you a notice that the claim has been processed. This notice is called an Explanation of Benefits or EOB. You are responsible for services not covered by your insurance plan.

BU Health Services will bill your insurance company for you but most likely the claim will be processed as an “out-of-network” benefit and your benefit will be reduced or your insurance will not pay at all. In these cases, BU Health Services will bill these charges to your student account. To avoid this, if you do not see your insurance company above or if you are unsure, contact your insurance company and ask if you will be covered for services rendered at your campus health clinic.

Certain lab tests are done here at the campus clinic and are billed directly to your insurance company. Other tests are sent out to a reference lab (Mid America Clinical Lab). If you have a lab test that is sent out, Mid America Clinical Lab will perform the test, send the results to your doctor, and send the charges directly to your insurance company. If your insurance company does not pay for the lab test in full, you will receive a separate bill from Mid America Clinical Lab.

• You received services from an “out-of-network” provider
• You did not call your insurance company for prior approval before receiving treatment, if required
• The service received is not covered under your plan
• Your insurance company needs verification of your student status
• Our billing company needs more information
• You have an HMO plan and it only covers you when you see certain doctors or healthcare facilities – e.g. Aetna, BlueCross BlueShield (multiple states), CIGNA, Humana, Kaiser Permanente, United Healthcare – to name a few
• Your coverage has expired
• You have switched insurance plans and forgot to tell us

Please check the list of insurance companies that BU Health Services is considered as an “in-network” provider. We will file your claim but your insurance may cover a small portion of the charges incurred at Health Services or none at all. You will be responsible for all charges not covered by your insurance.

You may need to bring a referral from your Primary Care Provider (PCP) each time you visit Health Services to receive maximum insurance benefits. Patients seen without referrals may have higher out-of-pocket expenses than those with referrals. Please check with your insurance company to determine if this applies to your plan. If it does, it is your responsibility to obtain the appropriate referral before you come to Health Services for your visit.

We base our charges on “Usual and Customary” insurance reimbursements for comparable medical services. Student who choose not to use their insurance in our facility are charged at a slightly lower rate for services since they must either pay at date of service or have their student account charged at date of service.

We accept cash, check or we may charge it to your BU student account.

1. Your insurance carrier via phone or the plan website
2. If you have the University-sponsored plan you can create your personal account by logging in to uhcsr.com/MyAccount and entering your Butler email address. You will then be able to print your ID card, update personal information, check status of claims, etc.
3. You can contact United HealthCare Student Resources at 1-800-767-0700
4. If you have further questions contact Health Services Student Insurance at healthinsurance@butler.edu or call 317-940-8728

Yes, an independent student insurance plan is available through BU. For more information visit the Student Health Insurance page.

We cannot discuss our charges with anyone except you, including your parents, without your permission. By signing the consent to treat, you authorize us to release information to your insurance company in order to have the bill paid. Recognize however, that if the billing address for your insurance plan is your parents/spouses/significant others home an EOB form from the insurance company will be sent to that address. If you want us to discuss your health charges with your parents or spouse, you can sign a consent to disclose health care information form allowing others to have access to your information, (e.g., scheduling, treatment, discuss treatment, handle finances concerning healthcare). Please note that in Indiana, a signed health disclosure is only good for 60 days.