Insurance and Payment

Contact Campus Health Services

Contact the Insurance Office

In response to the rising need, healthcare providers are moving into a new area to provide telemedicine services at Campus Health Services. Telemedicine lowers risk of exposure while maintaining accessibility to your healthcare provider. Telemedicine visits are billable services but all insurance plans may not cover telemedicine, even in these changing times.

We advise all patients who wish to utilize CHS telemedicine for medical or psychiatric care to reach out to their insurance company. Ask whether Telemedicine services are a covered benefit under your plan. Telemedicine services will be billed at the same cost as an in-office, In person visit.

Our services are available for all currently-enrolled Northern Arizona University students who have paid the mandatory semester Health and Wellness Fee. Insurance is not required to receive our services; however, it is suggested. Services are also available for Northern Arizona University staff and faculty and their adult dependents.

Plans

You can choose from these four plan options in order to get treatment from Medical Services:

Fee for Service: You pay for individual services and are charged an office visit along with any other labs or procedures you have done.
LouieCare: You pay $175 per semester and most services provided by Medical Services are covered with a $15 co-pay per service.
- The LouieCare must be paid in full to be in effect. Any services received before the plan is paid in full will not be covered at the discounted rate.
Student Health Insurance Plan (SHIP): This group health insurance product is offered by all three state universities in Arizona and provides group coverage to students who are uninsured, need a less expensive alternative, or need an Arizona provider network. Primary care is covered at Medical Services with a $15 co-pay for each office visit and $10 for any lab.
Your own contracted insurance: We are currently contracted with Blue Cross Blue Shield, Aetna, Cigna, United Healthcare, and TriCare. We are currently not contracted with any state Medicaid plans, including AHCCCS plans.

Additional information:

CHS must receive insurance information (copy of front and back of card) in order to bill any contracted insurance. You may upload your card images prior to your appointment through the patient portal: www.campushealth.nau.edu. The card may also be uploaded at your appointment. If the insurance information is received after the date of service, any incurred charges may become the patient’s responsibility.
An Insurance Billing Form must be completed and presented with your insurance card in order to bill for services. Please visit the How to Complete the Billing Form for directions.
Any copays, deductibles, or denied charges may be posted to the LOUIE account. You should verify your benefits through your insurance company and if you are from outside the Arizona network or have an HMO, you should check with your plan to verify coverage.
CHS uses a 3rd party laboratory service (Sonora Quest) for certain lab services and you may receive an additional bill from Sonora Quest.
For additional information contact our insurance office at 928-523-6343.

Frequently asked questions about billing and payment

You can choose from these four options to pay for your visit at Campus Health Services:

Fee for Service: As a student, if you have paid the Health and Wellness Fee, you pay for individual services and are charged for your office visit. If you have not paid the Health and Wellness Fee, Office Visits will be charged at a higher rate than the standard office visit. Potential out-of-pocket costs in addition to the office visit fee include laboratory, injections, procedures, and supplies.

LouieCare: You can pay $175 per Fall, Spring or Summer semester, $350 per academic year, or $460 per full year. Most medical services provided by Medical Services are covered with a $15 co-pay per service. In-House laboratory tests are $15.

Student Health Insurance Plan (SHIP): This group health insurance product is offered by all three state universities in Arizona and provides group coverage to students who are uninsured, need a less expensive alternative, or need an Arizona provider network. Primary care is covered at Medical Services with a $15 co-pay for each office visit and $10 for in-house laboratory tests.
Your own Contracted Insurance Plan: We are currently contracted with Blue Cross Blue Shield, Aetna, Cigna, United Healthcare, and TriCare. We are currently not contracted with any Kaiser, and state Medicaid plans, including AHCCCS plans. To verify our participation, please call the number on the back of your insurance card and ask if they are contracted with NAU Campus Health Services. Our Tax ID is 74-2579628.

When seeking services at NAU Campus Health Services always bring your NAU ID and your insurance card. Also bring some sort of payment as payment is expected at the time of service.

If you have paid the Health and Wellness fee, electing to use the health center on a Fee for Service basis means you pay all visit costs including the primary care office visit fee out-of-pocket.

Potential out-of-pocket costs in addition to the office visit fee include: laboratory, injections and procedures and supplies

No show fees range from $25 to $40.

We accept the UHC Student Health Insurance and are contracted with Aetna, Blue Cross Blue Shield, Cigna, Tricare and United Healthcare. We also offer LouieCare, a discount program for services received at NAU Campus Health Service.

Let’s say, for example, you are sick and make an appointment at NAU Campus Health Services for evaluation and treatment. You will provide your insurance card and NAU ID to registration staff. Usually, there will be a co-pay amount required by your insurance. After registering, the NAU Campus Health Services provider will examine you and discuss with you what tests or treatment you may need.

NAU Campus Health Services will submit your charges and information to your insurance company. Your insurance company will process the NAU Campus Health Services claim for payment according to your plan benefits and sends the payment to NAU Campus Health Services. Your insurance company will also send you a notice (by mail or electronically) that the claim has been processed. This notice is called an Explanation of Benefits or EOB.

NAU Campus Health Services does not bill non-contracted insurance companies. In these cases, you are expected to pay for your charges at the time of your visit. If you do not see your insurance company on our contracted list, or if you are unsure, contact your insurance company and ask if your plan covers services rendered at NAU Campus Health Services. If we are not contracted, you may want to consider purchasing LouieCare.

Detailed instructions for uploading insurance cards to NAU Campus Health Services

Launch your MyHealth secure portal at https://nauportal.pointnclick.com/
Select the Student button.
Use your NAU username and password to authenticate.
Select the Insurance Card Link.
Select Add New Card.
Select Upload Front Image – Select the image of the front of your insurance card.
Verify the image of the front of your card.
Select Upload Back Image – Select the image of the back of your insurance card.
Verify the image of the back of your card.
Select Save.

Certain lab tests are done here at NAU Campus Health Services and billed to your insurance company. Other tests are sent out to a Reference Lab (Sonora Quest). If you have a lab test that is sent out, Sonora Quest will perform the test, send the results to your medical provider and send the charges directly to your insurance company. If your insurance company does not pay for the lab test in full, you will receive a separate bill from Sonora Quest.

You received services from an out-of-network provider.
You did not call your insurance company for prior approval before receiving treatment, if required.
The service you received is not covered under your plan, for example MMR vaccination, STI tests, etc.
Your insurance company needs verification of your student status
You have an HMO plan and it only covers you when you see the doctors or healthcare facilities within their network. We are not contracted with any HMO plans.
Your coverage has expired.
You switched insurance plans but forgot to notify NAU Campus Health Services or upload your new insurance card through your patient portal.

If your charges were sent to your Louie Account, simply logon and pay your charges online. To pay charges in person, go to the Campus Health Services Administration Office in the Health and Learning Center, Building 25, on the second floor.

First contact your insurance company via telephone or the plan website. You may contact the NAU Campus Health Services Billing Office at 928-523-2131 or at campushealth@nau.edu. It is important to leave a message with your name, NAU ID number, contact information and question. We will contact you within 24 hours.

If you are 18 or older, we cannot discuss your charges with anyone except you, including your parents, without your permission. By signing the consent to treat, you authorize us to release information to your insurance company to process your claim. Recognize, however, if the billing address for your insurance plan is your parent’s/spouse’s/significant other’s home, an EOB from the insurance company (see insurance How Insurance Works) will be sent to that address. If you want us to discuss your health charges with your parent or spouse, you can fill out the Release of Medical Healthcare Information form in your Patient Portal. This will allow others to have access to your information (scheduling treatment, discuss treatment, handle finances concerning health care).

Contact Campus Health Services

Contact the Insurance Office