Insurance & Billing

Steps for Billing to Insurance

1. Your medical provider determines the medical charges at each visit. 
2. SHS bills your medical charges directly to your health insurance company.
3. Your insurance company processes the claim, usually taking 6-8 weeks. 
   1. • You will receive an Explanation of Benefits (EOB) or determination of insurance payments sent directly to your home residence. 
4. Any patient responsibility will be forwarded to your Campus Connection student account.
5. You will not receive a billing statement from SHS. You can access a statement on the UND Health Portal.

Verify Your Insurance

We strongly recommend checking your health insurance coverage prior to your medical appointments. The phone number to ask about your insurance coverage is typically located on the back of your insurance card.

Here are some questions to ask your insurance company:

1. "Is UND Student Health Services in-network for my insurance?"
2. "What amount does my insurance cover and what amount am I responsible for?
3. "Do I need a referral from my Primary Care Provider (PCP) before I can be seen at SHS?"
4. "Can I change my PCP to a SHS provider?"
5. "Does my insurance provide 'away from home' coverage?"
6. "Does my plan only cover urgent or emergency care when i am away from home? (SHS bills as an outpatient facility). 

Accepted Insurance Plans

**Be sure to verify in-network or out-of-network benefit coverage by calling the member services phone number on the back of your insurance card. 

Examples of some of the insurance plans that cover SHS services:

• Aetna
• Blue Cross and Blue Shield
• Blue Cross and Blue Shield North Dakota Expanded Medicaid
• Cigna
• HealthPartners
• Medica
• North Dakota Medicaid 
• Preferred One
• Sanford Health
• Tricare - Specific
• United Healthcare
• United Healthcare Student Resources (NDUS endorsed student insurance plan)
• And Others - Check by calling the phone number on the back of your insurance card. 

How does billing and payment work if I don't have health insurance?

Your medical provider determines the medical charges on your visit. If you do not have health insurance, the self-pay charges will be sent to your Campus Connection student account following your appointment.  

Where can I find affordable health insurance plans?

The North Dakota University System does not offer a health Insurance plan for domestic students.

Common websites to apply for health insurance include but are not limited to:

• healthcare.gov – The federal government operated the Health Insurance Marketplace^(R) through this site to help people shop for and sign up for and enroll in health insurance.
• ND Medicaid - Must be a North Dakota resident; Income guidelines apply.
• MN Medicaid - Must be a Minnesota resident; Income guidelines apply.

Need help enrolling in a healthcare plan? 

If you are a North Dakota resident interested in signing up for health insurance contact the North Dakota Navigator program.

For more information about affordable health insurance plans or to request enrollment assistance, contact a local ND Navigator at 1-800-233-1737 or 701-858-3580. Navigators will schedule a virtual meeting with you.

You may also send an email to NDNavigators@MinotStateU.edu or complete the Contact Form to be connected to a Navigator in your region.

International College Students

International students at UND, except for Canadian and Norwegian students, are required to carry NDUS Student Insurance per State Board of Higher Education policy.

International students will be enrolled upon registration for insurance coverage. 

Contact the UND International Center for more information about health insurance requirements or the waiver process. 

NDUS Student Insurance

Follow the steps below to find out whether your insurance will cover services at UND Student Health Services.

1. Locate Your Insurance Card
   Find your insurance card and the customer service phone number listed on it.
2. Gather Your Information
   Have your member ID (or member number) and group number ready. You will need these when you call.
3. Call Your Insurance Provider
   Contact the customer service number and ask if your insurance is in-network at The University of North Dakota Student Health Services in Grand Forks, ND.

Don’t Have an Insurance Card?

• If you are covered under a parent or guardian’s plan, ask them to provide you with a copy of your card.

• You can also contact your insurance provider directly to request a replacement card.

Use the questions below when speaking with your insurance provider to better understand your coverage while attending UND.

Coverage at UND & in Grand Forks, ND

• Does my insurance work while I am attending the University of North Dakota in Grand Forks, ND?
• Is UND Student Health Services covered under my plan?
• Does my insurance cover care at other medical facilities in Grand Forks, such as:
  • Altru Health System (Grand Forks)
  • Sanford Health (Grand Forks clinics)

HMO & Network Questions

• If I have an HMO plan, is there a “guest membership” option?
• What services are covered in the Grand Forks area under a guest membership?

Emergency vs. Non-Emergency Care

• Does my insurance cover more than emergency medical care?
• What does my insurance consider a medical emergency?

Dental Coverage

• Does my dental insurance cover dentists in Grand Forks, ND?

Coverage Timing & Travel

• Am I covered during the summer months if I am not enrolled in classes?

• Does my insurance provide coverage worldwide if I participate in study abroad?

Follow the steps below to upload or update your insurance information.

1. Access the Portal
   Go to myhealth.UND.edu & log in to the MyHealth Patient Portal using your UND credentials.
2. Open the Insurance Section
   Select the Insurance button within the portal.
3. Review or Add Insurance Information
   • Review any insurance information already on file, or
   • Select Add New to enter new insurance details.
4. Enter Insurance Details
   Enter the following information:
   • Insurance company name
   • Policy number
   • Policy holder (Indicate whether the plan is under your name or a family member’s name.)
5. Upload Your Insurance Card
   Upload clear images of the front and back of your insurance card.
6. Save Your Information
   Select Add to submit your insurance information.