Bucknell Student Health
Beginning in the 2013-14 academic year, Bucknell Student Health (BSH) will bill student health insurance plans for the cost of most healthcare services students receive at BSH. The following FAQs provide more information about this change.
What is the change?
- Beginning in August 2013, BSH will bill a student’s health insurance for services provided on campus through BSH. Prior to August 2013, BSH did not bill insurance and charged students directly only for medications dispensed at BSH, vaccinations and medical devices.
Will I have to pay for BSH services?
- You should experience little or no difference in out-of-pocket costs. You will not be asked to pay co-pays or deductibles out-of-pocket.
As in the past, the only items for which there is a charge directly to the student are medications dispensed onsite and medical devices, such as splints or crutches. As in the past, you may pay cash for these items at the time you are seen or have them charged to your B-bill account. Vaccinations will now be covered by the billing policy, so you will no longer have to pay for those.
Why has Bucknell made this change?
- To address the rising costs of healthcare, BSH has begun billing insurance plans for services. This will enable the University to continue to provide high-quality healthcare while recouping certain costs without passing expenses on to students or their families.
Will I owe a copay or deductible?
- BSH will not charge students for a co-pay or deductible.
What services will and won’t BSH bill for?
- With certain exceptions, BSH will bill a student’s insurance for most BSH services, including those related to routine care, illness, travel and routine reproductive health.
To protect students’ privacy and to encourage them to seek the care they need, BSH will not bill insurance companies for services related to these potentially sensitive issues:
- STD testing
- Pregnancy testing
- Contraceptive-related visits
- Nutrition counseling
- Health services provided in conjunction with the Counseling and Student Development Center's counseling and mental health services. (The Counseling and Student Development Center will not bill for services.)
BSH will bill insurance for routine reproductive health services and HPV testing.
What steps are being taken to protect students’ privacy?
- Please be assured that we take all measures to protect students’ privacy according to all HIPAA regulations. Our practices regarding confidentiality and privacy have not changed.
Note, however, that a health insurance claim will result in an Explanation of Benefits statement being mailed to the primary policyholder. Therefore, if a student is under 26 and on his or her parents’ insurance plan, the parents will receive an Explanation of Benefits statement for most services. Policyholders will not receive an Explanation of Benefits for any visits that include discussion of the services excluded above (STD and pregnancy testing, contraceptive visits, nutritional counseling, mental health services), since BSH will not be billing for care related to these diagnoses.
What should families do to prepare for BSH billing?
- Students must bring their insurance cards with them to campus as of fall 2013. They will need to provide their insurance information each time they visit BSH.
We suggest that each year, families review their insurance coverage to determine whether it meets their needs. BSH Campus Insurance Liaison Mandy Olley can help families determine whether their plan is appropriate to their situation. She is available at 570-939-7446, email@example.com, or by appointment in BSH.
Does this policy affect healthcare services I receive off campus?<
- No. BSH will bill your insurance only for selected services you receive on campus. Off-campus healthcare providers will bill your insurance as they normally would, and you will be responsible for any deductibles, co-pays or other costs associated with your off-campus visits.
Does this policy affect prescription coverage?
- No. If you receive medications at BSH, those will be an out-of-pocket cost to you. Any prescriptions you fill outside of BSH are independent from BSH; you will pay your pharmacy and/or use your prescription coverage as you have in the past.