Presented by: Linda Heady, MBA
Insurance and Billing Coordinator
The system is privately funded, not government
sponsored or socialized
 Payment is the responsibility of the individual, with
or without health insurance
 Even with health insurance, medical treatment in
the US can be very expensive. Without health
insurance medical treatment can be extremely
expensive
 Before you visit a doctor, hospital or facility, always
check to see if your insurance will be accepted.
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Keep copies of all bills and papers for at least
one year.
You can ask a second doctor for an opinion
before getting treated
Inform your doctor about the conditions and
medications you have had in the past
You can ask the doctor questions about your
conditions and medications you have had in
the past

If after 4:30pm or on Saturday or Sunday and
you can not wait until Monday to see a doctor:
Go to:
Urgent Care: 8AM – 8PM everyday
Phone: 270-781-3910 Cost is $50
Greenwood Clinic:
8AM-6PM Mon-Fri, 8AM-2PM Sat
Phone: 270-843-5662 Cost is $50
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Call 911
Go to the Hospital:
 Greenview Emergency Room (Hospital):
Phone 270-793-1000
 Medical Center Emergency Room (Hospital):
Phone 270-745-1000
Cost is at least $250 or more depending on the
number of services required.
Our Providers

Student Health Insurance – Major
Medical Insurance Plan
 $739 per semester health insurance fee
pays for insurance coverage from August
1, 2013 until December 31, 2013.
 You will be charged $739 again in January
for Spring 2014 Semester.

You will receive an insurance card:
Deductible – Dollar ($) amount you will
need to pay before the insurance will pay.
Co-Payment (Copay) – Specific dollar ($)
amount you must pay at the time of
service.
Co-Insurance - Dollar ($) amount based on
a percentage you must pay for services.
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Preventative Care
 Annual Examinations
 Tobacco use screening and cessation
 Depression screening for adults

Well women Exams
 Contraceptives/Birth control
 Nexplanon Contraceptive Placement

Immunizations/Vaccines
 Hepatitis, HPV, Flu, MMR, Meningitis, Pneumonia, Tdap,
Varicella
Physician Office
Physician
Office
WKU Health
Services
In-Network
Provider
(First Health)
Out-of-Network
Provider
(First Health)
You pay $0
AHP pays 100%
You pay $50
You pay $50
AHP pays 60% and you
pay 40%
Urgent Care or
Emergency Room
In-Network Provider
(First Health)
Out-of-Network
Provider
(First Health)
Urgent Care
You pay $50
AHP pays 100%
You pay $50
AHP pays 60% and you pay 40%
Emergency Room
(Hospital)
You pay $250
AHP pays 100%
You pay $250
AHP pays 60% - you pay 40%
Laboratory
WKU Health Services
IN NETWORK
First Health
(If a complex Lab,
Health Services sends
it to QUEST)
OUT-OF-NETWORK
First Health
You pay $0
AHP pays 100%
Some of these include:
UA, Glucose, CBC, Flu,
Strep, Mono, Pregnancy
Test, Wet Prep Stain,
prep for fungal elements
on skin
$50 copay
AHP pays 100%
Some of these include:
Pap Smears, Lipid Panel,
Liver Tests, Comp
Metabolic Panel,
Gonorrhea & Chlamydia
testing
$50 copay
AHP pays 60% - you
pay 40%
Hospital and Surgery
Coverage
IN NETWORK
First Health
OUT-OF-NETWORK
First Health
Hospital Expenses
AHP pays 80% of
Preferred Allowance
(You must first pay
$300 deductible,
then 20%)
60% of Usual and
Customary Charges
(You must first pay
$600 deductible, then
20%)
Surgery
AHP pays 80% of
Preferred Allowance
(You must first pay
$300 deductible,
then 20%)
60% of Usual and
Customary Charges
(You must first pay
$600 deductible, then
20%)
Immunizations and
Prescription Drugs
Prescription Drugs
WKU Health
Services
IN NETWORK
First Health
Some
medications
available
You pay $15 for generic
You pay $30 for brand
name
 You will receive an EOB (Explanation of Benefits) from Klais