Overall Mandatory Health Insurance Questions

I pay a Campus Health Fee on my UNC Chapel Hill bill each semester. How is health insurance different?

The Campus Health Fee is part of tuition and fees at UNC Chapel Hill and covers routine office visits, Counseling and Psychological Services, Physical Therapy and more. Health insurance offsets the cost of services not covered under the Campus Health Fee. Insurance gives students access to services outside of Campus Health and it has benefits for services such as hospitalization, required surgery or specialty services for illnesses or injuries.

Why is the UNC System requiring health insurance?

Unexpected health care expenses such as those associated with illness, accidents, or mental health care can destabilize a student’s financial situation and derail his or her progress toward a degree. These potential barriers to attendance and degree completion are reduced when students have health insurance. Conversely, students without health insurance who do not have access to needed specialty care or hospitalization may attempt to continue their academic pursuits but fail to reach their full potential due to their untreated illness.

On January 1, 2014 the Individual Mandate took effect – The individual mandate is the provision of the Affordable Care Act (ACA) requiring most people without employer-based coverage to buy qualifying coverage on their own, or pay a tax penalty.

I worry about identity theft. Why do I have to provide my private information?

We understand that concern. This is why Blue Cross Blue Shield will not sell our students' information to anyone, including direct mail marketing vendors. Great care is taken to minimize the potential for security breaches that might lead to fraud or other malicious use of personal information.