Students have no out-of-pocket costs for all services through CAPS (counseling), most medical clinics, 24/7 nurse and mental health advice, and more. These services are covered by a health service fee (HSF) which is automatically included in tuition.
Some medical services, such as immunizations and prescriptions, will be billed to insurance or require out-of-pocket payment. Having personal health insurance is important for services not covered by the HSF and for emergencies when you need to seek care outside of UHC. If you need insurance coverage, learn about your options.
What is the health service fee?
Most students pay a health service fee (HSF) automatically built into tuition. This fee helps to minimize students’ out-of-pocket costs for medical services (there are no costs for counseling services at CAPS). The HSF covers areas that students have indicated were the most important to include, such as copays for most medical clinics and lab tests for common STIs.
If you are not sure if you pay the HSF or if you are eligible to use UHC, please email ContactUHC@med.umich.edu or call 734-764-8320. For 2025-26, the health service fee is approximately $226 per semester.
Students can use UHC services during the term and for 1-2 weeks before and after the enrolled term ends (the grace period). The fee does not cover services outside of UHC, such as those at Michigan Medicine or urgent care.
What UHC services have no out-of-pocket for students?
Students pay nothing and personal health insurance is not billed for the following services:
- All CAPS services
- Clinic visits in the Primary Care Clinic, Gynecology and Sexual Health Clinic, Specialty Clinics, and Nutrition Clinic
- Physical therapy initial visits (return visits are paid for out of pocket at $20 per visit)
- Nurse advice by phone
- Eye care for medical problems (excludes routine vision exams, glasses, contact lenses)
- Laboratory testing for:
- Common sexually transmitted infections (STI), including chlamydia, gonorrhea, herpes, HIV, mycoplasma genitalium, syphilis, and trichomonas. Testing for hepatitis C is not included.
- Hormonal testing for gender affirming care
- Sexual assault services and any associated laboratory testing
What UHC services will be billed to insurance?
The services below will be billed to your personal health insurance. If you do not have personal health insurance, or if your insurance doesn’t agree to pay for these services, you may be responsible for payment.
Please note this list is not comprehensive. If you have questions about costs for a specific procedure, please contact your insurance company. If you need insurance coverage, learn about your options.
- Laboratory testing (except common STI tests and hormonal testing for trans care, which are not billed)
- Radiology x-rays and ultrasounds
- Electrocardiograms (EKG)
- Prescription medications
- Immunizations and injection fees (see Prices for Immunizations PDF)
- Some contraceptive devices, e.g. IUDs, implants
- Routine vision exams, glasses and contact lenses
- Allergy injection fees
- TB skin testing
- Travel Health visits
- Tests or procedures required solely for administrative purposes, e.g. employment, fellowship, immigration
- Any services received outside of UHC, even if ordered or recommended by UHC staff, including:
- Any services at Michigan Medicine (hospitals and clinics)
- Laboratory tests collected at UHC but sent to Michigan Medicine for processing
- Ambulance transports, emergency room visits, urgent care visits
What UHC services are paid for out of pocket and not charged to insurance?
Patients pay for these and personal health insurance is not billed. Students would be responsible for payment.
- Physical Therapy return visits and re-evaluation visits ($20)
- Durable medical equipment and supplies for home use, e.g. crutches, braces
What should I know about billing and payment details?
- You may be responsible for paying any deductible, co-payments, co-insurance or any other costs not covered by your health insurance.
- UHC and/or Michigan Medicine may bill your health insurance for any services not covered by the HSF.
- If you have additional questions or concerns, please speak with the Billing Office on the day of your visit. We are happy to help you navigate your options.
- Location: Suite 0113, ground floor of UHS
- Telephone: 734-764-7380
- Email: uhc-busbill@med.umich.edu
What are UHC’s payment options?
- Cash
- Personal checks
- Debit, credit and Flexible Spending Account cards with Visa, Mastercard, American Express and Discover logos
- Bill to a U-M student account for currently enrolled students for amounts above $10
- Through your patient portal
- Payroll deduction for faculty and staff for amounts $50 to $1500. An initial payment of $50 is due at time of service. The remaining balance can be made in four deductions. There is a $5 processing fee for EACH deduction.
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Note: We do NOT accept MCard.
What insurance is accepted by UHC?
UHC is contracted with and "in-network" for these insurance plans only:
- U-M Domestic Student Health Insurance Plan
- U-M International Student/Scholar Health Insurance Plan
- GradCare: Members with UHS as their primary care site should use UHS for all health care needs. Enrolled students on Ann Arbor campus have no co-payments for clinic visits. Network 1 provider.
- Premier Care/BCN: Members with UHS at 207 Fletcher St in Ann Arbor as their primary care site should visit UHS for all health care needs; co-payments apply. Network 1 provider.
- Michigan Care
- Blue Cross Blue Shield PPO: UHS is part of the Michigan Medicine network; co-payments apply.
- Blue Cross Blue Shield (BCBS): Some services at UHS are covered; UHS will bill BCBS for covered services.
- U-M Comprehensive Major Medical: A Michigan Blue Cross Blue Shield plan, with similar coverage details as BCBS.
- Blue Cross Complete Healthy Michigan Medicaid: Only for U-M students and their spouses/OQA/dependents. Note: UHS Pharmacy does not participate, and routine eye care is not covered. PCP must be at UHS to bill insurance; call 800-228-8554 to change PCP. Referrals are required for services outside the primary care site
- Medicare: Most services at UHC are billable to Medicare.
What is the prepaid plan?
U-M students between semesters and recent alumni, among others, are eligible to purchase a prepaid plan for access to UHC services for $262 per term (fall, winter, spring/summer).
The plan is not prorated, retroactive or refundable and is not an insurance policy. If you are currently covered by health insurance, please compare your insurance benefits to the prepaid plan. It may be more cost-effective for you to pay for each service you receive (fee-for-service) and seek reimbursement from your insurance company. The cost of the prepaid plan is not reimbursed by insurance companies.
Coverage periods are:
- Fall: September 1 - December 31
- Winter: January 1 - April 30
- Spring/Summer: May 1 - August 31
To learn more or enroll in the prepaid plan, please contact the Billing Office:
- Location: Suite 0113, ground floor of the University Health Service building
- Telephone: 734-764-7380
- Email: uhc-busbill@med.umich.edu