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Cougar Health Services Medical Clinic

Billing & Costs

Student health fee

The student health fee supports the operation of Cougar Health Services and enables us to offer a comprehensive suite of services in one convenient on-campus location. Make sure you understand which of our services are covered by the health fee.

WSU student insurance

WSU offers insurance to international students and eligible graduate student assistants.

Billing insurance

We bill most major insurance plans. Our office will file claims to your insurer as long as we have all of the required documents on file.

Any portion of your bill not covered by insurance will be applied to your WSU student account.  You will not receive a bill from Cougar Health Services.

We recommend you check your student account frequently to view charges that may have been applied. For your privacy, all charges will appear on your WSU account as “Cougar Health Services.”

We are contracted providers for:

  • Aetna
  • Apple Health Plans
    • Amerigroup
    • Community Health Plan
    • Coordinated Care
    • Molina
    • United Healthcare
  • Cigna
  • First Choice
  • Kaiser Permanente
  • Premera Blue Cross (Blue Cross Blue Shield plans)
  • Tricare
  • United Healthcare

Copayments for these plans are charged as indicated by your plan.

If you have a Health Maintenance Organization (HMO) or Exclusive Provider Organization (EPO) insurance plan, please be advised your charges may not be covered at Cougar Health Services.

We strongly encourage you to always carry a copy of your insurance card. We require a copy of the front and back of your current medical insurance ID card in order to submit medical insurance claims on your behalf.

We will accept faxed or emailed copies of insurance ID cards, or a picture of your insurance ID card on your phone. You can request an extra copy of your insurance card from your health insurance provider by calling or going to your insurance provider’s website.

Verifying coverage

We will make a good faith attempt to verify your insurance coverage. We are not able to guarantee that the information given to us by your insurance is correct.

It is your responsibility alone to know what insurance plan you are on, supply us with the correct information at the time of your visit, and know (or learn) what services may or may not be covered. We encourage you to contact your insurance company or the administrator of the program paying for your care with any questions you may have regarding the details of your coverage.

Be aware that not all medical services are covered by all insurance policies. Depending on your plan, some or all of our services provided may not be covered.

As a courtesy, we will bill your health insurance for you. However, the patient is ultimately responsible for charges. (If you are under the age of 18, your parents or legal guardians are responsible for payment.)

If we don’t participate in your insurance plan, you can still choose to be seen by our providers – but you may have to pay the full cost of charges.

Financial assistance

We are committed to providing healthcare services to all students in need of medical attention. We will never refuse services to a student without an insurance card or medical insurance coverage. We do not require payment at the time of service and we offer a financial assistance program for eligible students.
If you have concerns about your ability to pay for charges, please contact our billing office to get help from our certified health insurance navigators with:

  • Exploring options for health insurance coverage
  • Enrolling in the Washington Health Benefit Exchange
  • Understanding and navigating the medical system and insurance benefits
  • Applying for financial assistance for routine and urgent medical care

Making payments

Any portion of your bill not covered by insurance will be applied to your WSU student account.  You will not receive a bill from Cougar Health Services.

You may make payments for any of our services by visiting our office (cash, check and major credit cards accepted) or by phone (using a credit card). If you need to pay for services using your Health Savings Card, please call us and we will process your payment.

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