Contact Us

Student Health Insurance

1000 E. University Ave.

Dept. 4305

Hill Hall 641

Laramie, WY 82071

Phone: (307) 766-3025

Email: stuins@uwyo.edu

Hours: 7:30 AM - 4:30 PM

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Common Medical Insurance Terms

Annual Out of Pocket Maximum - A dollar amount set by the plan which puts a cap on the amount of  money the insured must pay out of his or her own pocket for covered expenses  over the course of a calendar year.

Benefits - The services or items covered under a health insurance plan.

Claim - A request for payment that you or your health care provider submits to insurer.

Coinsurance - A specified percentage of the cost of treatment the insured is required  to pay for all covered medical expenses remaining after the policy's deductible  has been met.

Copayment - (1) A fee that many insurance plans require an insured to pay for  certain medical services (such as a physician's office visit). (2) An amount  that the insured must pay toward the cost of each prescription under a prescription  drug plan.

Deductible - A flat amount of covered medical expenses that an insured must incur  before the insurer will make any benefit payments under a medical expense policy.

Effective Date -  The specified date of when the health insurance policy is to begin.

Enrollment or Eligibility Period - The time during which a new group member may first enroll for group  insurance coverage.

Exclusions and Limitations - Specific conditions, situations and services not covered by the health plan.

Explanation of Benefits (EOB): The statement you receive from the insurance company showing the services, amounts paid by the plan and total for which you are being billed.

Health Care Provider - A doctor, hospital, laboratory, nurse or anyone else who delivers medical or health-related care.

In-Network (Preferred Provider) - A group of doctors, hospitals and other health-care providers contracting  with a health plan, usually to provide care at special rates and to handle  paperwork with the health plan.

Medically Necessary - Health care services or supplies needed to diagnose or treat an illness, injury, condition, disease or its symptoms and that meet accepted standards of medicine.

Out-of-Network (Non-preferred Provider) - Health care services received outside the HMO, POS or PPO network.

Referral - A written order from your primary care doctor for you to see a specialist or get certain medical services.

Pre-Admission Certification - A component of utilization review under which the utilization review  organization determines whether an insured's proposed non-emergency hospital  stay or some other type of care is most appropriate and what the length of  an approved hospital stay may be.

Premium - A specified amount of money that the insurer receives in exchange  for its promise to provide health insurance to an individual or a group.

Preventive Services - Routine health care that includes screenings, check-ups, and patient counseling to prevent illnesses, disease, or other health problems.

Information from UnitedHealthcare StudentResources Glossary and Healthcare.gov Glossary
 
Contact Us

Student Health Insurance

1000 E. University Ave.

Dept. 4305

Hill Hall 641

Laramie, WY 82071

Phone: (307) 766-3025

Email: stuins@uwyo.edu

Hours: 7:30 AM - 4:30 PM

Find us on Instagram (Link opens a new window)Find us on Facebook (Link opens a new window)Find us on Twitter (Link opens a new window)Find us on LinkedIn (Link opens a new window)Find us on YouTube (Link opens a new window)