How Insurance & Billing Works at CUHS


CUHS can bill charges directly to your insurance company.

You can decide at the end of each appointment if you want CUHS to bill your insurance company for any charges incurred at that visit. Unless you ask us not to, CUHS will file a claim with (send a bill to) your insurance company for you.

  • Before your appointment you will want to check with your insurance company to see what, if anything, will be covered at the appointment.
  • Bring your insurance card to every visit.

You are responsible for any co-pays, co-insurance, or deductibles that your insurance may require. CUHS will bill your insurance for any charges in excess of your co-pay. In other words, if the charges for your visit are less than or equal to your co-pay or co-insurance, CUHS will not bill your insurance. Instead, the charges will be billed to your student account, or you can choose to pay CUHS directly. Any balance that the insurance company deems your responsibility will be billed to the primary policy holder. You will be responsible to pay that amount.



Your fee for service includes your visit with the Registered Nurse and is based on the time and complexity of your condition and any treatment provided. Click HERE to view what may be included in your fee for service.

Our fees, by law, are considered “Reasonable and Customary.” However, health insurance policies vary a great deal. Your insurance company may cover part, all or none of the charges incurred for your care. Any charges that the insurance company deems to be your responsibility will be billed to the primary policy holder. To find out what your plan covers, call your health insurance company's customer service number or look on their website for details about your policy.

Insurance companies typically pay between 10 and 30 days from the date they receive the claim. If CUHS has not received payment from your insurance after 60 days, any charges still owed will be charged to the primary policy holder.


In-Network vs. Out-of-Network

Insurance companies typically pay a greater portion of the charges for care at "in-network" facilities, which have contract agreements with them.
If CUHS does not have a contract with your insurance company, CUHS may be considered out-of-network, so benefits (reimbursement of charges for healthcare) may be paid at a lower rate or the visit may not be covered at all.

To learn what your insurance covers at CUHS, call your insurance company's customer service department and ask about your coverage.

HMO Insurance Plans

If your insurance plan is an HMO, you may need a referral from your primary care physician. Most HMO plans will not pay for care without such a referral. Contact your insurance company for instructions before your appointment at CUHS.


If CUHS bills your insurance, the policy holder will receive a statement (an Explanation of Benefits) that explains the reason for your appointment. If you have health insurance through a family member, they may be able to determine the reason for the charges.

Students who prefer to keep a visit private or whose insurance company will not pay for care at CUHS can elect not to have their insurance company billed and pay at the CUHS window. They can also ask CUHS to bill them through their student account.

For more information about privacy and confidentiality click:

Notice of Privacy Practices and Patient Rights and Responsibilities (PDF)

CUHS Cannot Bill These Types of Insurance:

  • Any government plan such as Medicaid or Medicare
  • Plans underwritten by health insurance companies based outside the United States

If You Don't Have Health Insurance

The Federal Government will require all individuals to have health insurance as of January 2014.  Here are a few helpful links to begin your search to become compliant with the Federal Mandate  or