Understanding the Payment and Billing Process
One core component of the mission of Student Health Services is that we be the most affordable option for Texas Tech University students to receive healthcare. We are able to achieve this goal thanks to the Medical Service Fee that the majority of students pay as part of their tuition each semester. As the cost of healthcare has consistently risen from year to year, university healthcare centers across the nation are having to find different ways to fund this incredibly important service without raising their Medical Service Fees. At Texas Tech University, students who access healthcare at Student Health Service are financially responsible for a proportion of the cost of the services they receive. This responsibility takes two different forms depending if a student has health insurance or is uninsured (considered self-pay).
Understanding Financial Responsibility for Services Received at Student Health Services.
Patients with Health Insurance
- To be considered insured, patients must provide their insurance information at the time of scheduling.
- Patient Service Specialist will check the insurance policy and ensure the policy is active. As long as an insurance policy is active, Student Health Services will send a claim to insurance even if the services are ineligible due to being out of network. Many policies have out of network benefits and we want to make sure we exhaust every possible opportunity to prevent billing an insured student directly.
- One of the huge benefits of receiving care at Student Health Services all co-payments, co-insurance, and deductibles are considered covered by the Medical Service Fee.
- After a patient's visit with a provider, the provider's notes are coded by a team of professional coders and a claim is generated. The claim is then send to the insurance on file and the claim is either paid by the insurance company or denied.
- Student Health Services accepts the amount paid by the insurance company. This means that as long as a patient's insurance is active and eligible, any additional costs are considered covered by the Medical Services Fee.
- If a claim is denied due to the insurance policy being ineligible or out of network, the claim is re-categorized as self-pay (see below) and billed directly to a student's Student Business Services account at a significantly discounted rate.
Self-Pay Patients (Non-insured)
- Patients who do not have active insurance or do not provide their insurance policy information are considered self-pay.
- After a patient's visit with a provider, the provider's notes are coded by a team of professional coders and a claim is generated.
- Thanks to the Medical Service Fee, the claim is significantly discounted at a 60 - 70 percent rate.
- The balance of the claim is then applied to a patient's Student Business Services account for payment. If payments are not made in a timely manner, late fees will apply.
- The most common self-pay price for a typical clinic office visit is $30. The average price for all types of clinic visits is $55.
- Charges take 2-4 weeks to be posted to Student Business Services.
If you have any questions about your bill, do not hesitate to call Student Health Services at 806-743-2848.