Insurance

Please read below for information about payment types and insurance.  See our FAQ section for more information on insurance and costs.


Self-Pay Accounts:

 Defined as:

  1. Patients not covered under any health insurance carrier.
  2. Patients that have health insurance that is a non-participating carrier of the USM Student Health Service.

Patient acknowledges that they are responsible for the payment of all services rendered, including pharmacy services, on the day of your visit.

Insured Accounts:

You must provide USM Student Health Service with a copy of your insurance card. 100% of your services will be sent to your insurance carrier; you are only responsible for$15.00 copay on the day of the services. Once payment is determined, (co-pays, deductibles, and non-covered services) a statement will be billed to your mailing address. Payment must be made before the end of the semester in order to register for the next term, receive transcript, or receive your diploma.

Payment Agreement:

The patient or responsible party agrees to pay any portion of charges that are not paid by the patient or responsible party’s insurance company. Patient also acknowledges that they are responsible for the payment of all services rendered, if not paid by the insurance company.  

Out of Network Insurance Accounts:

Patients having health insurance with a health insurance company that USM Student Health Service does not participate with, are classified as Out of Network accounts. We will bill 100% of service charges to the insurance company; you are only responsible for$15.00 copay on the day of the services. Payment may be made by the insurance company to the patient or responsible party. If the Out of Network insurance company does not cover all or any of the charges for the patient’s services, the patient will owe the remaining balance and a statement will be billed to your mailing address.  

Pharmacy Accounts:

You must provide the pharmacy with a copy of your insurance card. If they accept the insurance carrier, then they will process your claim in real time, and provide you with the co-pay. Patient acknowledges that they are responsible for the payment of the provided co-pay.

Graduate Assistants Accounts:

Graduate Assistant patients are required to have insurance coverage at USM. If you are participating with a separate insurance coverage, a waiver must be signed. If you do not sign the waiver, you will automatically be enrolled with the insurance. Please contact Graduate Office for more information.

You must provide USM Student Health Service with a copy of your insurance card. All services that are received at USM are covered in full. You must also provide the pharmacy with a copy of your card. Charges may occur from the pharmacy, depending on the medication. Ask the pharmacist of pharmacy tech before filling the prescription.

Explanation of Benefits:

Patients having health insurance will receive an EOB (Explanation of Benefits). This will be sent to the mailing address obtained by the health insurance carrier. This EOB will include coding for the visit along with diagnosis. Patients have the right to ask USM Student Health Service not to file for certain visits. It is the patient’s responsibility to notify the USM Student Health Service staff not to file.

Release of information:

USM Student Health Service will not release any personal information without the patient’s hand written consent. We cannot discuss any information to a parent, caregiver, friend, or anyone else requesting information without the patient’s consent. Consent forms are available at the check in counter at USM Student Health Service.

Financial information can be discussed without consent.

Insurance Carriers:

We currently accept and file claims for any healthcare insurace. Such as: Aetna, Assurant Health, Blue Cross Blue Shield MS and surrounding states, Cigna, HealthFirst, Humana, Tri Care and United Health Care in our clinic. We are not considered Network Providers for some of these carriers so be sure to check with your insurance carrier before seing one of our providers.

There is no guarantee of payment from patient’s health insurance. We file as a courtesy to our patients.

 

**Please note** If your account goes unpaid, a hold will be placed on your account. This will prevent Financial Aid, registering for next term, getting transcripts, and even receiving your diploma if graduating.