Insurance

What should I know about using health insurance at Campus Health?

Campus Health is in network with various insurances. Visit the up-to-date list of in-network insurance plans to learn more.
For international insurance plans, Campus Health can provide students with the necessary information to file their own claims. Please remember that the Campus Health Pharmacy and Student Stores Pharmacy are in network with virtually all US health insurance plans including all of those listed above. Campus Health will electronically file a student’s primary insurance.
Other helpful insurance tips:

  • Make sure the medical insurance plan you have covers your son/daughter when on campus, as some HMOs do not provide benefits if they are out of their coverage area.
  • If you are currently uninsured, are out of your coverage area, or have determined that you are underinsured, an option to consider is the UNC System-Wide Student Health Insurance Plan. This plan is designed to supplement care provided at Campus Health and is offered at a reasonable cost to students.
  • An informational brochure describing the benefits available under the University sponsored student insurance plan is available at bcbsnc.com/student. Select UNC Chapel Hill in the college drop down box.

Do you require health insurance?

All eligible students enrolled in the UNC system colleges and universities, including UNC Chapel Hill are required to have health insurance. This means that every student attending the University must provide proof of a creditable health insurance policy. If the student is uninsured, they have the option of buying their own policy or participating in the University sponsored plan. The documentation of this insurance requirement is called a “hard waiver.”  Eligible students must enroll to activate their insurance or complete the online waiver process with their own creditable insurance coverage before the deadline each semester. It’s electronic, fast, and efficient.

What happens with charges not covered by my insurance?

Campus Health will electronically file the student’s primary insurance. Any charges not covered by the student’s insurance will be forwarded to the Office of Student Accounts and University Receivables in the Student and Academic Services Building (SASB) North. The Office of Student Accounts and University Receivables manage students' accounts and all outstanding bills must be paid in order to avoid a hold being placed on a student's registration for the next term or an interruption of other official business with the University. It is in the student's best interest to clear charges at the time of service or shortly thereafter.

How do students use insurance at Campus Health?

Students will be asked to present their insurance card at each visit. Campus Health will electronically submit the claim form as either an in network or out of network provider depending on the plan. Charges not covered by the plan will be transferred to the student’s account at the Office of Student Accounts and University Receivables. A student may elect to pay for services they do not want filed to insurance.

If a student is enrolled in the UNC System-Wide Student Health Insurance Plan, they will have their charges filed for them electronically. According to the benefits of the plan, most charges are covered if service is provided at Campus Health. Charges not covered by the plan will be transferred to the student’s account at the Office of Student Accounts and University Receivables.

What insurance plans does Campus Health accept?

Campus Health is in-network with most of the major health insurance vendors and will file claims for all health insurance as long as we have a US mailing address. Please visit Insurance for details. 

Does Student Blue reimburse for health costs incurred abroad?

Student Blue does have an international component to its benefits and coverage.  Student Blue International is branded as BCBS Global Core.  An international student can purchase Student Blue and be covered in their home country as if they were in the United States, meaning the same benefits apply.  By searching the BCBS Student Blue website, students can find a provider/facility near them, review benefits, and submit claims. 

The medical evacuation / repatriation component of Student Blue is managed by AXA/GeoBlue (tbd).  International students studying through Carolina Away would not need to use this resource since they are already home.

  1. To find a participating provider:

Or go to:  https://bcbsglobalcore.com/

  • Check the Terms and Conditions
  • Enter the first three letters or numbers of the Member ID number on your card (Student Blue policy numbers currently all have the prefix UUI).

Then to look for an in-network physician:

  • Select a Provider Type
  • Search by Miles within / Country / City

If a network physician cannot be found in your search area a message with phone number will display to connect the student with a BCBS Global Core Customer Service representative.

  1. In most cases the provider will file visit claims for the patient.  If not, students can file their claims online.  At the https://bcbsglobalcore.com/ webpage:
  • Select CLAIMS on the top bar
  • The patient is presented with the option to submit a claim online or file a claim by mail.