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Insurance Frequently Asked Questions Are you unsure about your health insurance coverage? If so, we may be able to help answer your questions ______________________________________________________________________________ What do I need to know about my insurance policy ? Know your copay and your deductible! Be familiar with your own benefit levels as well as any policy exclusions. What must a patient have on hand upon each visit to WKU Health Services? Big Red ID, Driver's License, Insurance Card, Method of Payment. What will patient be responsible for at time of service? Copay and/or medication(s); or at least 10% of charges if not filing insurance. What if I cannot pay 10% at the time of service? A payment plan will be established for you at check-out. Do you accept Medicaid or Medicare? No, we do not participate with any states Medicaid and Medicare plan. What if my child does not have insurance ? We will care for a student, regardless; and we will establish a payment plan if necessary. Do you accept HMO patients? Yes; however we ask that you contact your primary care physician for a referral, prior to being seen. We are not 'in-network' with any HMO plan. I have Tricare Prime, what do I need to do first? Call Tricare! Give our tax ID# 616055628 to find out what you need to do. Student must know his/her primary care manager's name and telephone number. That information will be requested upon check-in. If a primary care manager is anyone outside of WKU Health Services a referral must be provided prior to the patient being seen. What if my insurance is not listed on your website of brochure? Call your insurance; give our tax ID# 616055628. They may use one of our networks, if not, we can file your claim but you may be responsible for charges that are not payable out of network by your insurance. What if I live outside of Kentucky, and you participate with my insurance? Call your insurance; give our tax ID# 616055628 to see if you have "out of state" benefits. If not, ask them about "guest privileges". Will insurance cover my child's non-routine physicals associated with sports, education, or travel requirements? Usually not, non-routine physicals are often a benefit exclusion. ______________________________________________________________________________ Please contact Linda Heady, Insurance & Billing Coordinator at 270-745-5034 or
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