Billing and Insurance

For any questions regarding insurance, billing, and/or payments, please stop by the Business Office located on the first floor of the health center, or call them directly at 407.823.4252.

Student Health Fee

The health fee (included in tuition) helps to offset your medical costs which means you can see a health care provider with no out-of-pocket charge for the general (primary care) office visit. Patients are financially responsible for items not covered by the health fee.  These include, but are not limited to clinical procedures, x-rays, laboratory services, medical equipment, prescriptions, non-prescription medications, vaccinations, dental services, and physical therapy. When charges occur, students can elect to use their health insurance coverage, or pay out-of-pocket.

Specialty Services

Specialty visits (psychiatry, preventative counseling, dietitian, biofeedback, physicals, etc.) are not covered by the health fee. The student can elect to have SHS bill their insurance or they can pay the appropriate specialty service fee.

  • Any co-pay or deductible required by insurance for these specialty services will be covered by the health fee.
  • Once the claim is sent to insurance, the maximum out-of-pocket cost to the student would be the specialty services fee for that type of visit.

It is highly encouraged if you are unsure of your insurance benefits to please contact your Insurance carrier.

Medical Insurance Participation

UCF Student Health Services primary care providers are in-network participants for Florida Blue (formerly BlueCross/Blue Shield) PPO & Blue Options plans, United Healthcare, AvMED, Aetna, and Cigna PPO plans. We are not Medicare or Medicaid providers. Therefore, certain services may not be covered under these programs at SHS. Dental and prescription plans vary, please contact the appropriate department regarding insurance participation.

If you are looking for insurance coverage, UCF endorses a Student Health Insurance Plan.

Open enrollment for the student insurance plan is held at the beginning of each fall semester. New students starting in either the spring or summer semesters have their own open enrollment period. Contact our Insurance Office at 407.823.1649 for specific deadline dates.

After the open enrollment period, students may only enroll if they:

  1. Experience a qualifying life event, such as being dropped from a parent’s insurance as a result of age;
  2. Lose insurance coverage as a result of a parent or guardian being laid off; or
  3. During annual enrollment each Fall.

For more information about this option and enrollment assistance, please review the FAQ Document


Patients are financially responsible for all charges incurred at each visit, whether covered by health insurance or not. Though not required to access our services, the university and Student Health Services strongly encourage all students to carry some form of health insurance coverage.

Your insurance company may determine that some or all of the charges incurred at SHS are not covered by your policy. We recommend reviewing all of your insurance benefits and exclusions before your first visit. Contact your individual insurance company to learn how your policy will work at our facility.

To expedite the insurance billing process, please register or update your insurance PRIOR to your visit with us by completing the Medical Insurance Registration Form so SHS can verify your insurance is active and add the information to your Electronic Health Record. Patients can also complete this process in person by bringing a copy of their insurance card and photo ID to the Insurance window located on the first floor of the Health Center.

By giving us your insurance information, you are authorizing SHS to file a claim with (send a bill to) your in-network insurance company for services rendered. If using 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.


If you do not have insurance and cannot pay at the time of service, or if your health insurance does not pay for any of your charges, SHS will post the amount due to your student account. If no payment is received within 14 days of the posting date, SHS will place a hold on your account which could delay registration for classes or even graduation. After 14 days, an invoice will be mailed to the patient’s permanent mailing address on file.

Payments can be made:

  • In Person (Cashier’s desk located on the first floor of the Health Center)
  • Online
  • By Phone (call 407.823.0526)
  • By Mail (checks should be sent to our mailing address)

For More Information

For any questions regarding insurance, billing, and/or payments, please stop by the Business Office located on the first floor of the health center, or call them directly at 407.823.4252.