PPO (Preferred Provider Organization, Participating Provider Organization or Preferred Provider Options) or POS (Point Of Service plan)
PPOs are subscription-based medical care arrangements in which membership allows a substantial discount below the regularly charged rates of the designated professionals partnered with the organization. POS plans are a type of managed care health insurance system, combining characteristics of both the HMO and the PPO. (Members of a POS plan do not make a choice about which system to use until the point at which the service is being used.)
The Student Health Care Center (SHCC) is considered in-network for most major insurance companies and associated plans. Contact your insurance company for specific details.
- To find out if the SHCC accepts your insurance, we encourage you to provide us your insurance information ahead of time via the Online Insurance Verification Form. Patient Financial Services will contact you if there is an issue with the information provided. Alternatively, you can call your insurance company with our facility information (Name: Florida Clinical Practice Association, Address: P.O. Box 918025, Orlando, FL 32891). NOTE: The Florida Clinical Practice Association (FPCA) acts as the SHCC’s billing entity, allowing our facility to accept more types of insurance plans.
HMO (Health Maintenance Organization)
HMOs are prepaid health plans. You pay a monthly premium and the plan covers doctors’ visits, hospital stays, emergency care, surgery, checkups, lab tests, X-rays and therapy. You must use the doctors and hospitals designated by the HMO. Some insurance company policies may require you to change to a local primary care physician (PCP).
Contact your insurance company for specific details, and ask your company about available Away From Home care plans that may be added to your existing policy.
FSA (Flexible Spending Account or Arrangement), HRA (Health Reimbursement Account or Arrangement) or HSA (Health Savings Account)
FSAs are one of a number of tax-advantaged financial accounts that can be set up through a cafeteria plan of an employer in the U.S., allowing an employee to set aside a portion of earnings to pay for qualified expenses as established in the cafeteria plan, most commonly for medical expenses but often for dependent care or other expenses. HRAs are IRS-sanctioned employer-funded, tax advantaged employer health benefit plans that reimburse employees for out-of-pocket medical expenses and individual health insurance premiums, funded solely by the employer. HSAs are tax-advantaged medical savings account available to taxpayers in the United States who are enrolled in a high-deductible health plan (HDHP), and the funds contributed to an account are not subject to federal income tax at the time of deposit.
After insurance benefits are exhausted, the Student Health Care Center (SHCC) will post charges to www.my.ufl.edu. (NOTE: The Bursar’s Office offers several payment options; for more information, visit UF Finance and Accounting – Payment Options.) To obtain a line-item billing statement of health care service charges, contact SHCC Patient Financial Services (Phone: (352) 273-4546).