Health Insurance

Health Insurance covers an individual for medical expenses when he/she has an injury, illness, or other health condition. It helps protect individuals and their parents/guardians from high cost medical expenses.

Typically, most insurance plans do not pay 100% of healthcare expenses except for specific preventive care services. The amount of coverage depends on the type of policy. There are plans for individuals and plans that are offered by employers - HMO (Health Maintenance Organization), PPO (Preferred Provider Organization) and high deductible plans. Each type of plan has specific coverage, benefits, exclusions, and limitations, so it is important to understand how your policy works for you. To understand the terminology used by providers and insurance companies, view the Health Insurance Terminology form.

Texas A&M University students are not required to have insurance to utilize University Health Services. If the student has health insurance, the University Health Services student health center will collect the information and file with the insurance company. A copy of the insurance card will be required at the time of check in. Any balances not paid by the student’s insurance carrier will be transferred to the student’s fee account at Student Business Services. A verification of benefits does not guarantee payment.

University Health Services is unable to file with the below insurance plans:

• Medicaid
• CHIPS
• Other Medicaid Products (e.g. Superior, Molina, Community Health, Texas Women’s, STAR, Cooks Children, etc.).

University Health Services does not contract with insurance companies, managed care networks, or government insurance programs. However, depending on the patient’s insurance plan, a majority of our charge will partially get reimbursed. University Health Services cannot file pharmacy claims unless the student is covered under one of the TAMU Sponsored Plans.

To discuss a student’s financial account information or medical information, a Medical Records Release form will be required.

University Health Services collaborates with a Texas A&M University-sponsored student health insurance plan to provide optimal healthcare coverage for TAMU students at the A.P. Beutel Health Center. This health insurance plan provides students excellent coverage for the majority of services rendered at the student health center.

Texas A&M University students who are enrolled in at least nine (9) hours are eligible to enroll in the University Sponsored plan. Students who are enrolled in special classes and are taking less than nine (9) credit/contact hours will be determined eligible to enroll in the University Sponsored plan if the coursework meets the criteria for the completion of a degree plan or international program as defined and approved by The Texas A&M University System. Graduate students taking at least five (5) credit hours of classes are eligible to enroll in this insurance plan. Additional information can be found here: Texas A&M University Plan Benefits.

For more information on the University Sponsored plan, please visit tamu.myahpcare.com. For dental coverage, visit tamusahpdental.myahpcare.com.

For students enrolled in the University Sponsored plan, please view the following document for additional information regarding services covered at the student health center (A.P. Beutel Health Center): Texas A&M Student Health Insurance Plan Coverage 2023-24.

Parents/guardians who currently have a student dependent on their health insurance plan are highly encouraged to compare the costs, coverage and benefits of their respective health insurance with the TAMU Student Health Insurance Plan. For healthcare services obtained outside of the student health center, the University-sponsored plan offers in-network and out-of-network coverage.

International, F1, and J1 students are required to have health insurance as well as evacuation and repatriation coverage. International Student Services (ISS) is responsible for verification. For more information, please visit the Texas A&M International Student webpage.