Third Party Billing

Rutgers Health Services offers a myriad of services throughout the campuses in the New Brunswick area. A health fee is used to support medical, mental health, pharmacy, health education, immunization compliance, laboratory testing, miscellaneous items to care for minor student accidents and other programs to help maintain the health and well being of Rutgers students. Rutgers Health Services, in partnership with Medical Healthcare Solutions, Inc., a well respected billing and collection company with a focus on college and university health services, began accepting and billing private health insurance for medical visits in 2010 and anticipates billing for psychiatric services in fall 2011. This billing helps alleviate some of the financial pressures faced by students and their parents by minimizing increases in the student health fee. Rutgers Health Services does not “balance bill” students or parents for the portion of insurance claims not paid by insurance with the exception of non-covered services such as TB skin testing, immunity titers, allergy injections, travel immunizations, medication injections, immunizations, and pharmacy purchases. In addition, visit co-pays are pre-paid out of the student health fee.

After Rutgers Health Services files the insurance claim, the health insurance plan will send an Explanation of Benefits (EOB) to the student/parent insurance enrollee. Many students are concerned that their parents will find out sensitive information when the EOB is sent home. For the most part, EOBs simply state that a visit was charged or a test done. Diagnoses are not explicitly described on the EOB, though a code number may be listed. Students in special situations with sensitive information or other concerns about an EOB should speak with their providers. We are very concerned about and maintain our students’ confidentiality. See link to confidentiality & privacy for more information.

Rutgers Health Services does not bill insurance companies for laboratory tests (e.g., blood work and even sensitive labs such as pregnancy tests or tests for sexually transmitted infections). The full-time University-sponsored Student Health Insurance Plan is not billed for visits provided on campus.

Some students may have medical conditions that require referrals to outside providers or specialists for consultation or treatment (including for radiology and x-ray). All expenses related to the medical services of referred providers are the responsibility of the student and their health insurance company.

For questions regarding claims filed to the student’s private health insurance, please contact Medical Healthcare Solutions, Inc. at 800-762-9800.

Insurance Plans in which Rutgers Health Services clinicians are participating providers:
• Aetna – PPO only, not HMO
• AmeriHealth
• BCBS-Horizon Managed Care and PPO, not HMO
• Cigna
• MultiPlan/PHCS
• United/Oxford

For other plans, including those where Rutgers Health Services is considered out-of-network, Rutgers Health Services will file the claims. Students may be responsible for uncovered items as listed above.

IF YOU RECEIVE A BILL IN THE MAIL FOR SERVICE, FOLLOW INSTRUCTIONS.  YOU WILL BE ABLE TO PAY BY CHECK OR CREDIT CARD (CREDIT CARD LINK).