Billing & Insurance FAQ


Patients can file their insurance policy by completing and uploading a Medical Insurance Registration Form and a copy of their insurance card (both front and back).  Patients may also visit the Insurance Department located on the first floor of the health center next to the reception area to submit documentation.

Due to federal law, any patient over the age of 18 must fill out a medical insurance registration form consenting UCF to verify coverage and benefit details.

It is important to note that this information is used to file a patient’s medical insurance only. Charges incurred for prescriptions and dental services may be filed separately with the Pharmacy and Dental Clinic.

The SHS Business Office will file medical charges incurred with the patient’s medical insurance only if using in-network benefits. If using out-of-network benefits, proper documentation will be supplied and the patient is responsible for filing the claim. Normally it takes 4 to 6 weeks for the insurance company to process the claim.

After UCF SHS receives the explanation of benefits (EOB);

  1. Primary care visits: there will be no out-of-pocket charges for currently enrolled students.
  2. Labs, x-rays, medical procedures, and equipment: the patient will be financially responsible for the patient balance according to the EOB including non-covered services.
  3. Specialty services: the patient will be financially responsible for the patient balance according to the EOB, co-payments, and/or charges applied to the deductible.

Patients are billed the day after a debt is incurred via an emailed or paper statement. Students can check their MyUCF account to confirm. Failure to pay an account balance within 14 days of the date of service will result in a “collections” hold being placed on the account. Call the Cashier at 407-823-0600 to make payments, or call the Business Office at 407-823-2386 if you have any questions.

The health fee is a state-mandated fee that all students attending a four-year state university are required to pay, regardless of their insurance coverage. The health fee supports many campus-wide health initiatives. At Student Health Services (SHS), the health fee helps to offset your medical costs which means you can see a healthcare provider with no out-of-pocket charge for the general (primary care) office visit. The health fee also provides discounts on clinical procedures, x-rays, laboratory services, and medical equipment.

Contact your insurance to see if it can be used in the state of Florida. If so, register your insurance information with our insurance department.

Make sure to contact both of your insurances to update your Coordination of Benefits (COB). One of your insurances will be determined as primary and the other as secondary. We will bill charges to both insurances as long as we are in-network with both insurances. Note: we cannot bill charges to the secondary insurance if we do not accept the primary.

Currently enrolled UCF students are eligible to schedule visits for automobile-related accidents when the accident has been reported to the auto insurance and a claim has been opened. Florida is a No-Fault state. You will need to contact YOUR OWN auto insurance company to file a claim, regardless of who was at fault.

Please have the following information on hand before filling out the Application for Benefits form below: Name of Auto Insurance, Date of Accident, Adjuster’s Name and Phone Number, Claim Number

A claim must be opened within 14 days from the date of the accident which includes being seen by a medical provider.

You will receive a call back to schedule your appointment once your auto insurance benefits have been verified. The patient will be responsible to pay for all out-of-pocket costs for all services incurred including all deductibles and copays as determined by the automobile company.

Jackson Health and Miami-Dade plans allow for college students to be seen outside of Miami-Dade county as long as an Away From Home status is on file with them. You can update the Away From Home status by calling AvMed at 844-439-5378 or filling out a form with our insurance department.

The following is a list of services that cannot be filed to insurance:

  • Any service prior to the policy’s effective date
  • Crutches (purchase)
  • Over-the-counter items
  • X-ray copies
  • Lab processing fees
  • Specialty care access fees
  • Fit Test
  • Albuterol Inhaler Pack
  • BP Monitor
  • Completion of medical forms

The Dental Center is currently in-network with Cigna DPPO Network and United Healthcare Dental PPO insurance providers. Claims are not submitted to out-of-network dental plans. No HMO dental plans are accepted at this time. Payment for all dental services is due at the time of service.

UCF Student Health Services is in-network with Florida Blue (formerly BlueCross/Blue Shield) PPO & Blue Options plans, United Healthcare, AvMED, Aetna, Cigna PPO, and Tricare plans. Please note that we do not accept most HMO plans or the Blue Select plan under Blue Cross and Blue Shield. Call our Insurance Office at 407.823.1649 for coverage verification. If using an insurance plan with out-of-network benefits, SHS will provide you with the proper documentation, and you will be responsible for self-filing a claim with your insurance company. All out-of-pocket expenses as determined by your health insurer are due at the time of service.

By having your insurance on file, you ensure that your insurance claims and referrals are processed in accordance with your level of benefits. We may participate with your insurance carrier, or your policy may have out-of-network benefits that will help cover applicable charges.

Yes, either through a bilingual staff member or through a certified medical translation service. Through these methods, we can communicate in over 200 languages.