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Medical Care at WKU and Insurance. Presented by: Linda Heady, MBA Benefits Administrator. Things you should know about the US Health Care System:. The system is privately funded, not government sponsored or socialized
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Medical Care at WKU and Insurance Presented by: Linda Heady, MBA Benefits Administrator
Things you should know about the US Health Care System: • The system is privately funded, not government sponsored or socialized • Payment is the responsibility of the individual, with or without health insurance • Even with health insurance, medical treatment in the US can be very expensive. Without health insurance medical treatment can be extremely expensive • Before you visit a doctor, hospital or facility, always check to see if your insurance will be accepted.
More info about US Health Care • Keep copies of all bills and papers for at least one year. • You can ask a second doctor for an opinion before getting treated • Inform your doctor about the conditions and medications you have had in the past • You can ask the doctor questions about your conditions and medications you have had in the past
What do I do if I get sick? Monday: 8:00am – 6:00pmTuesday: 8:00am – 6:00pmWednesday: 8:00am – 6:00pmThursday: 8:00am – 6:00pmFriday: 8:00am – 12:00pm Saturday: 8:00am – 12:00pm • Call 270-745-CARE [2273] for Appointment or Walk in • Documentation of your visit can be provided upon request.
What if WKU Health Services is closed? Go to: Urgent Care: 8AM – 8PM everyday Phone: 270-781-3910 Cost is $50 Greenwood Clinic: 8AM-6PM Mon-Fri, 8AM-2PM Sat Phone: 270-843-5662 Cost is $50
What to do in an EMERGENCY? • Call 911 • Go to the Hospital: • Greenview Emergency Room (Hospital): Phone 270-793-1000 • Medical Center Emergency Room (Hospital): Phone 270-745-1000 Cost is at least $250 or more depending on the number of services required.
Services Provided • Men’s and Women’s Health • Wellness Examinations • Immunizations • Laboratory Tests • Medications • Psychiatric Mental Health • Birth Control/Contraceptives • STD Testing • Women – Yearly Exams • Allergy injections • X-Rays
Counseling Services offered at WKU • Monday thru Friday from 8 a.m. – 4:30 p.m. • Potter Hall, Room 409 Phone 270-745-3159 • There is a ONE-TIME $20.00 fee for paperwork and documentation. After the one-time fee, students have unlimited access. • Services are confidential and NO information is released without the student’s written permission, unless in an emergency situation. • Individual and group counseling services are offered to help with coping strategies, conflict resolution, and crisis situations related to: College Adjustment Eating Disorder Decision Making Bipolar Disorder Problem Behaviors Stress Management Grief/Loss Depression/Anxiety Relationship Issues Suicide Prevention Sexual Assault/Abuse
I need to see the Doctorwhat should I do? • Call 745-2273 to schedule an appointment with Graves Gilbert Clinic at WKU – if urgent, come directly to Graves Gilbert Clinic at WKU • At appointment time, have a copy of your insurance card and photo identification.
United Healthcare • Student Health Insurance – Major Medical Insurance Plan • You will need to pay $840 in August for Fall 2015 Semester (coverage dates are August 1st through December 31st 2015. • You will need to pay for health insurance AGAIN each semester.
United Healthcare Student Resources • To access your account, go to www.uhcsr.comto “Create Your Account”. • On this site, you can: Request an ID Card View/Print an insurance card Locate a Doctor View/Print proof of coverage
Insurance Terms Deductible – Dollar ($) amount you will need to pay before the insurance will pay. Co-Payment (Copay) – Specific dollar ($) amount you must pay at the time of service. Co-Insurance - Dollar ($) amount based on a percentage you must pay for services.
Insurance pays 100% at Graves Gilbert Clinic at WKU • Preventative Care Annual Examinations Tobacco use screening and cessation Depression screening for adults • Well women Exams Contraceptives/Birth control • Immunizations/Vaccines Hepatitis, HPV, Flu, MMR, Meningitis, Pneumonia, Tdap, Varicella
What happens after you go to the doctor? • You will receive an EOB (Explanation of Benefits) from HealthSmart (THIS IS NOT A BILL)
Dental Care • For those under age 21: • Most services paid at 50% after meeting a $500 deductible. • Pre-authorization is required for orthodontic services or any procedures over $300. • FOR EVERYONE ON CAMPUS - Dental Hygiene Program operates a clinic on the 2nd floor of Academic Complex – Room 223 • Services offered include: X-Rays, Sealants and Prophylaxis (Cleaning) • Fee: $15 student, $20 non-student • Call 270-745-2426 for appointment
Vision Care Services (for those under age 21) • Spectra Eyecare Networks – these can be found by going to www.myuhcvision.com or call 1-800-638-3120 • Routine Vision Examination or refraction only in lieu of a complete exam – one per year • Eyeglasses Lenses – Once per year • Eyeglass Frames – Once per year • Contact Lenses – Limited to a 12 month supply
Need assistance? Go to www.wku.myahpcare.com. Contact Linda Heady, at 270-745-5034 or by email at linda.heady@wku.edu. Call 855-247-2273 for assistance with your insurance questions.