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The Daily Tar Heel

Editorial: You're paying for on-campus healthcare, here's how you can use it

Every full-time undergraduate and graduate student at UNC pays a mandatory $200.08 Campus Health fee each term as a part of our tuition and fees. Point being, you already pay for these services — utilize them! Here’s what all students have coverage for under this fee:

  • Primary care visits 
    • Includes physical exams, respiratory infection diagnoses and basic injury care and treatment
  • Gynecology visits
    • Includes annual exam, pap smears and birth control consultations
    • Does NOT include lab tests (e.g. recommended STI testing) or procedures (e.g. IUD insertion)
  • Sports Medicine visits
    • Not just for athletes!
    • Includes physical therapy, athletic training services and post-op care 
  • CAPS (Counseling and Psychological Services) initial visit and referrals to outside care
  • Nutrition counseling services
    • A registered dietician will work with you to tailor an individual nutrition plan in a sensitive and supportive environment.
  • Sexual assault resources, which can be covered by the Survivor's Assistance Fund
    • Includes counseling services, evidence collection, treatment of injuries and medication for sexually transmitted infections and pregnancy prevention. 
  • 24-hour nurse advice line and on-call physician access
  • 24-hour on call student crisis support
  • Insurance assistance to guide you on what is or is not covered by your insurance plan

UNC’s opt-out student health insurance plan, called “Student Blue,” covers many expenses not included in the Campus Health fee. 

Some of these include: 

  • Flu shots: free with Student Blue and most insurance plans at University clinics (otherwise offered at $35 for anyone)
  • Mental health and substance abuse visits
    • Office visits: $25 copayment, then 20% after deductible 
    • Inpatient/outpatient: 20% after deductible
  • Prescription medicine
    • At the Campus Health Pharmacy and the Student Stores Pharmacy: $15.00 co-pay for a 30-day supply, regardless of which tier the drug falls into.
  • Urgent care centers: $75 copayment, then 20% after deductible 
  • Emergency room: $400 copayment, then 20% after deductible 
  • Ambulance service: 20% after deductible

If you’re under your parents’ insurance plan, or are using a plan other than Student Blue that it is in network with Campus Health, what is covered could vary. Make sure to ask a representative from Campus Health what your copay (what your insurance plan expects you to pay out-of-pocket) will be before your appointment or during your visit.

This can be an awkward and confusing process depending on your financial situation, but it is important to advocate for your health without incurring unexpected charges. 

While it's crucial for students to seek out these resources, we also believe that the University and Campus Health could do a better job of making their services known, the expenses clear and the information accessible. No student should feel anxiety about seeking medical attention based on a lack of knowledge of what is covered.

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