Health Insurance covers an individual for medical expenses when he/she has an injury, illness, or other health condition. It helps protect individuals and their parents/guardians from high cost medical expenses.
Typically, most insurance plans do not pay 100% of healthcare expenses except for specific preventive care services. The amount of coverage depends on the type of policy. There are plans for individuals and plans that are offered by employers – HMO (Health Maintenance Organization), PPO (Preferred Provider Organization) and high deductible plans. Each type of plan has specific coverage, benefits, exclusions, and limitations, so it is important to understand how your policy works for you. To understand the terminology used by providers and insurance companies, view the Health Insurance Terminology form.
Texas A&M University students are not required to have insurance to utilize SHS services. SHS will file most health insurance as a courtesy for services provided. SHS is unable to file with Medicaid, CHIPS, and other Medicaid Products (e.g. Superior, Molina, Community Health, Texas Women’s, STAR, Cooks Children, etc.).
A copy of the insurance card, front and back, will be required. SHS does not contract with insurance companies, Managed Care Networks, or government insurance programs. Any balances not paid by the student’s insurance carrier will be transferred to the student’s fee account at Student Business Services. A verification of benefits does not guarantee payment.
SHS cannot file pharmacy claims unless the student is covered under one of the TAMU Sponsored Plans.
To discuss a student’s financial account information or medical information, a SHS Medical Records Release form will be required.