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- About your Appointment
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- Your Rights and Privacy
- General Care
- International Students
- Flight Physicals
- STD Testing
- Mental Health
Billing and Insurance
Health Care Reform & Affordable Care Act
Eligibility: Students who have paid the University Health fees are eligible to utilize Student Health Services (SHS). Office visits are subsidized by the health fees. Students must present a valid student ID at each visit. Spouses of enrolled students may use the SHS; please contact the office for current fee schedule.
SHS Fees: Charges are incurred for the following:
- Ancillary services such as laboratory, x-ray, prescriptions, minor surgery, immunization, wart treatment and allergy injections.
- Physical examinations such as pre-employment, pre-operative, FAA (flight), women's and men's annual exam.
All charges are billed through Student Account Services and identified on your student account as a "Student Health Service" charge. Insurance claims will be filed for those individuals providing health insurance information at their visit(s). Pharmacy claims will also be filed for participating insurance plans. Any balance remaining after insurance payment is the responsibility of the student. Students are advised to notify their insurance carrier prior to receiving services outside of their normal network.
Please present your current health insurance card at each and every visit at SHS to ensure accurate billing.
Students are strongly encouraged to have health insurance coverage in the event of a health care crisis.
- International students are required by the state of North Dakota to purchase health insurance.
- Many students are eligible to stay on their family health insurance program. Consult your insurance provider to determine if this option is available to you. Due to new insurance laws, most young adults can stay on their parent's family plan until they turn 26. The Department of Health & Human Services Facebook page has more information for students and parents regarding the new laws.
- Students also have the option of subscribing to the Student Health Insurance Policy available through the North Dakota University System. Click on button for information on the NDUS Health Care Plan for Students: United Healthcare
Health Care Reform & Affordable Care Act
Affordable Care Act Open Enrollment Information
Urgent: Don't risk paying a penalty: Enroll now!
2016 Open Enrollment ends January 31, 2016. If you don’t enroll in a 2016 health insurance plan by January 31, 2016, you can’t enroll in a health insurance plan for 2016 unless you qualify for a Special Enrollment Period.
If you choose to go without health insurance in 2016, you may have to pay a penalty when you file your 2016 taxes. The estimated average penalty for not having insurance in 2016 is $969 (source: Kaiser Family Foundation).
ACA open enrollment period begins Nov. 1
Nov. 1 is the start date for consumers to purchase 2016 health insurance coverage through the federal and state health insurance exchanges, established by the Patient Protection and Affordable Care Act (ACA). The Department of Health and Human Services (HHS) announced upgrades for the federal marketplace website healthcare.gov, such as new tools to help consumers compare plans and better understand total out-of-pocket costs. HHS also plans to add more features in the future, such as the ability to search for health plans that include specific physicians as in-network.
Health Care Reform Brochures
Learn how to get help with your Marketplace application. Visit LocalHelp.HealthCare.gov to find help in your area.
Health Insurance Subsidy Calculator - This tool illustrates health insurance premiums and subsidies for people purchasing insurance on their own in new health insurance exchanges (or "Marketplaces") created by the Affordable Care Act (ACA). Beginning in October 2013, middle-income people under age 65, who are not eligible for coverage through their employer, Medicaid, or Medicare, can apply for tax credit subsidies available through state-based exchanges.
Affordable Care Act (ACA) created a new Medicaid group called "Medicaid Expansion". These newly eligible individuals must meet the following criteria:
- Are between the ages of 19 through 64; have incomes below 138% FPL (for a single person, that's an annual income of $15,856); are legal citizens; are not incarcerated; and are not entitled to Medicare.
The expansion opens the program to an estimated 20,000 residents in North Dakota so they can have health insurance. Currently, only children, pregnant women and families (i.e. parents/caretaker/relatives of dependent children) are eligible for Medicaid. In April 2013, North Dakota lawmakers signed legislation expanding Medicaid.
Who is administering the new Medicaid Expansion Program?
The North Dakota Department of Human Services has contracted with Sanford Health Plan to provide benefits to this new group of Medicaid Expansion recipients beginning on January 1, 2014.
For more information click on the following: Sanford Health Plan Provider FAQs on ND Medicaid Expansion
- MONTHLY PREMIUM: The amount that must be paid monthly to your health insurance company for your health care plan.
- DEDUCTIBLE: This is the amount you owe for covered health care services before your health insurance plan begins to pay. For example, if your deductible is $1,000, your plan won’t pay anything until you’ve paid $1,000 for covered services. All plans pay for certain preventive health care services at no cost to you before you’ve met your deductible.
- COPAY: A fixed amount (for example, $15) you pay for a covered health care service. The amount can vary by the type of covered health care service.
If you still have questions, take a look at the Glossary on HealthCare.gov for additional explanations.