We understand that navigating health insurance benefits can be daunting. Many college students are just learning about utilizing health care services and understanding how health insurance works. We are here to help!
If you are unsure whether your health insurance plan will meet the waiver requirements, please contact your health insurance company. This is a vital conversation to have even in the absence of the health insurance waiver process. We highly encourage students to confirm with their company what benefits their plan offers and which health care providers can be seen while they are on campus.
An easy way to determine how your insurance would work on campus is to call your insurance company with the billing information for the UF Student Health Care Center. With this information, the representatives will be able to tell you if the clinic is considered in network or out-of-network, what level coverage would be available at the clinic, and where your other network providers are located. It is great to know who your health care resources will be in town before the need to see them arises!
Name: Florida Clinical Practice Association (FCPA)
Billing Address: P.O. Box 918025 Orlando, FL 32891
Physical Address: 280 Fletcher Drive Gainesville, FL 32611 (Moving soon!)
Tax ID: 59-1680273
If you have questions about billing for services at the Student Health Care Center, please see their page on Charges, Billing & Payment.
We hope the information available below makes it easier for you to have these conversations with your health care plan provider. While this is not an exhaustive list, it should provide a basic framework for you to review your policy with the company.
Plan Types and Considerations
|Plan Type||Definition||Considerations For Coming on CAmpus|
|Preferred Provider Organization (PPO)||A plan that allows you to see any health care provider you want. However, you will pay less if you use network providers.||Plan should cover 70% of medical expenses.|
|Health Maintenance Organization (HMO)||A plan with a defined network of doctors, hospitals, and other health providers. With an HMO you must choose a primary care physician (PCP) from the network. The PCP will coordinate your care and refer to specialists.||You may need to call your insurance to set a PCP near or on campus. Plan should cover at least 70%. Inquire about away from home coverage options available.|
|Exclusive Provider Organization (EPO)||A plan with a defined network of doctors, hospitals, and other health care providers. You must stay in network, but you can see experts without a referral from a PCP.||Please confirm that there are network providers for primary/preventative care on or near campus.|
|Medicaid||Federal and state-funded health insurance plan. Only works in the state of residence. Out-of-state Medicaid offers no benefits in Florida except emergency services.||Must have full Florida Medicaid. If plan has assigned PCP, change to a provider near or on campus.|
|Tricare||Government-sponsored health plan coverage for uniformed service members, their families, and retirees.||Tricare Prime is a managed care option with a designated Primary Care Manager (PCM). Tricare Select does not require a PCM and you can receive care with any provider. We recommend that students use Select where possible.|
|Short-Term Limited-Duration Insurance (STLDI)||Gap insurance that is medically underwritten and does not cover preexisting conditions. Plans can be issued for one month to three years. These plans do not meet Minimum Essential Coverage (MEC).||These plans do not meet requirements due to the exclusions and limitations on benefits such as preexisting conditions, mental health, substance abuse, women’s’ health and maternity.|
|Health Care Sharing Ministry (HCSM)||Cost-sharing organizations for members of a particular shared religious or ethical framework. Member funds are pooled to be applied to eligible medical expenses. Eligibility is determined by a code of conduct and subject to exclusions.||HCSMs are not health insurance. Reimbursement for medical expenses is not guaranteed.|
|Indemnity Insurance||Supplemental health insurance that pays a set amount per time period or per incident. Some plans may be specific to hospitalizations or a certain disease.||Intended to be a supplement to a primary health insurance coverage. Will not meet waiver requirements.|