Insurance is extremely vital. A severe accident or injury can set you back financially by hundreds of thousands of dollars easily.
If you are having a life or death emergency, please call 911 immediately.
University Health Services offers high-quality medical care to all UW–Madison students. Most fee-based services at UHS are covered at no cost for members of the UW–Madison Student Health Insurance Plan (SHIP).
Deductible: The amount you have to pay first before the insurance company starts paying.
Co-insurance: How much you have to pay. If you need to pay 10% of the bill, the insurance company pays 90% of the bill.
Maximum Out of Pocket Expenses: The highest amount you can pay, usually in a year, before the insurance company starts paying.
In-Network: A group of hospitals and specific doctors (even of those hospitals) that have an agreement with an insurance company of how much they will be paid for exams, time in a hospital, and many other things. If it is not an emergency, the website allows you to look up who is “In-Network” or call the two Networks call center for help. Always go to In-Network hospitals and doctors if nearby. Otherwise, you will pay more.
Out-of-Network: hospitals and specific doctors (even of those hospitals) that do NOT have an agreement with an insurance company (like SHIP). You will pay more money if you use this network.
We are here to help! If you need assistance, please first get the appropriate medical care and then let us know how we can care for you.