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How UHS Works with Health Insurance

UHS will attempt to bill most health insurance companies (except Medicaid).

For Students:

You don't need health insurance to use UHS. The health service fee covers most UHS services for currently enrolled students. However students should have health insurance. For details, see Free or Fees for Students and Why Students Should Have Health Insurance.

If you have the following plans, UHS can bill them:

To use insurance at UHS and elsewhere (especially if you are covered by insurance independent of the University, e.g. through a parent):

  • Carry your own health insurance card (or a copy of both sides) with name, address and phone of insurance company, name of primary subscriber, and contract numbers.
  • Learn about coverage by contacting your insurance company.
    • Ask about coverage before you accept services.
    • Some insurance covers only emergency services while away from home and may require a referral from your primary care physician.
    • You may be responsible to pay for services not covered or the balance after insurance payment, e.g. deductibles, co-payments or co-insurance.
  • Inquire about payment and billing. You may need to pay at the time of service. You can then submit a claim to your insurance company for reimbursement, if appropriate.

For Employees and Others Who Receive Benefits through UM:

  • GradCare/Premier Care members whose primary care site is UHS should visit UHS for all their health care needs. (Members who are currently enrolled students on the Ann Arbor campus have no co-payments for UHS clinic visits.) UHS is a Network 1 provider.
  • Premier Care members whose primary care site is UHS should visit UHS for all their health care needs. There are co-payments for visits. UHS is a Network 1 provider.
  • Blue Cross Blue Shield PPO: For this plan, UHS is included in the UM Health System network. There are co-payments for visits.
  • Blue Cross Blue Shield (BCBS): Some services at UHS are covered by BCBS. UHS will bill BCBS for covered services. Patients (except currently enrolled UM students) are responsible for charges not covered by BCBS.
  • UM Comprehensive Major Medical: This plan is a Michigan Blue Cross Blue Shield plan. Some services at UHS are covered by BCBS. UHS will bill BCBS for covered services. Patients (except currently enrolled UM students) are responsible for charges not covered by BCBS.

Other:

  • Medicare: Most services at UHS are billable to Medicare.
  • For prescription drug plans, see Pharmacy.
  • UHS Prepaid Plan provides access to basic health care at UHS, similar to coverage provided to currently enrolled UM students (Ann Arbor campus) for a specific fee. It is not an insurance plan. The Prepaid Plan is available to affiliated individuals or special groups. Services must be provided at UHS.
  • Alumni: As a service to its members, the UM Alumni Association offers several types of insurance coverage.

For more information: