Health Insurance

Health Insurance covers an individual for medical expenses when they have 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 the charge may be reimbursed by the insurance. University Health Services is not able to file pharmacy claims unless the student is covered under the Texas A&M Student Health Insurance plan. 

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

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

To be eligible for enrollment on the Student Insurance Plan, Texas A&M University undergraduate students must be enrolled in at least nine (9) credit hours of classes that are a part of the student's degree plan each fall and spring semester, and be in a degree-seeking program.

Graduate Students (non-employed) must be enrolled in at least five (5) credit hours of classes that are part of the student's degree plan each fall and spring semester.

Degree plans for undergraduate and graduate students must be on file with the University Registrar's Office.

Students who are enrolled in less than the required hours as outlined above may be determined to be eligible for this student health insurance plan if the student meets one of the approved exceptions as defined by The Texas A&M University System Benefits Administration office. 

Additional information regarding exemptions can be found online.

For more information on the University-sponsored plan, please visit tamu.myahpcare.com. For more information on vision and dental coverage options, visit tamu.myahpcare.com. Please note University Health Services does not offer vision screenings or dental services. 

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.

Texas A&M University International students on an F1 or J1 visa are required to maintain approved health insurance coverage continuously while enrolled and attending a Texas A&M University System institution. F1 and J1 students will be bursar billed and automatically enrolled in the Student Health Insurance Plan. International Student & Scholar Services (ISSS) is responsible for enrollment. For more information, please visit the International Student & Scholar Services - Global Engagement webpage.