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Cougar Health Services Student Insurance

Insurance Coverage and Assistance

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. The health fee is not an insurance plan.

Student insurance

We serve as liaisons between insurance providers and  international students, eligible graduate student assistants, and graduate and professional students in health sciences.

Other students have the option to stay on their parents’ insurance or purchase a plan through the Washington Health Benefit Exchange.

Our medical clinic also provides a financial assistance program for uninsured students who use our services. For questions about insurance and medical costs, contact our billing staff.

Help navigating your insurance options

WSU students can contact our billing office to get help with:

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

For assistance with the Washington Health Benefit Exchange, you can also contact Washington Healthplanfinder Customer Support.

Key insurance terms

Annual premium: The cost of a specific insurance policy for a given period of time.

Deductible: The amount of expenses you must pay out of pocket before the insurance company will pay any expenses.

Co-pay: A fixed amount you pay at the time of service.

Co-insurance: The amount of money you’re required to pay for services after your deductible has been paid.

Explanation of Benefits (EOB): An EOB is not a bill. An EOB is a document that lets you know your insurance company has processed a claim on your behalf, what it was for, whether it was approved, and for how much. Always check your EOB to make sure it’s correct, and contact your insurance company with questions.

UnitedHealthcare StudentResources (UHCSR) offers a series of educational videos with real-life examples and explanations of these terms and more: