Presented by: Linda Heady, MBAInsurance and Billing Coordinator

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.

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

If after 4:30pm or on Saturday or Sunday and you can not wait until Monday to see a doctor: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

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.

Our Providers

Student Health Insurance – Major Medical Insurance Plan $739 per semester health insurance fee

pays for insurance coverage from August 1, 2013 until December 31, 2013.

You will be charged $739 again in January for Spring 2014 Semester.

You will receive an insurance card:

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.

Preventative Care Annual Examinations Tobacco use screening and cessation Depression screening for adults

Well women Exams Contraceptives/Birth control Nexplanon Contraceptive Placement

Immunizations/Vaccines Hepatitis, HPV, Flu, MMR, Meningitis, Pneumonia,

Tdap, Varicella

WKU Health Services

In-Network Provider(First Health)

Out-of-NetworkProvider(First Health)

Physician Office

You pay $0AHP pays 100%

You pay $50 You pay $50 AHP pays 60% and you pay 40%

Physician Office

In-Network Provider(First Health)

Out-of-NetworkProvider(First Health)

Urgent Care You pay $50 AHP pays 100%

You pay $50 AHP pays 60% and you pay 40%

Emergency Room (Hospital)

You pay $250AHP pays 100%

You pay $250AHP pays 60% - you pay 40%

Urgent Care or Emergency Room

WKU Health Services IN NETWORKFirst Health(If a complex Lab, Health Services sends it to QUEST)

OUT-OF-NETWORKFirst Health

You pay $0AHP pays 100%Some of these include: UA, Glucose, CBC, Flu, Strep, Mono, Pregnancy Test, Wet Prep Stain, prep for fungal elements on skin

$50 copayAHP pays 100%Some of these include: Pap Smears, Lipid Panel, Liver Tests, Comp Metabolic Panel, Gonorrhea & Chlamydia testing

$50 copayAHP pays 60% - you pay 40%

Laboratory

IN NETWORKFirst Health

OUT-OF-NETWORKFirst Health

Hospital Expenses AHP pays 80% of Preferred Allowance (You must first pay $300 deductible, then 20%)

60% of Usual and Customary Charges(You must first pay $600 deductible, then 20%)

Surgery AHP pays 80% of Preferred Allowance (You must first pay $300 deductible, then 20%)

60% of Usual and Customary Charges(You must first pay $600 deductible, then 20%)

Hospital and Surgery Coverage

WKU Health Services

IN NETWORKFirst Health

Prescription Drugs Some medications available

You pay $15 for genericYou pay $30 for brand name

Immunizations and Prescription Drugs

You will receive an EOB (Explanation of Benefits) from Klais