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Frequently Asked Questions

General | UT Insurance | Waivers


What do I do if I have a medical emergency?

For severe or potentially life-threatening emergencies, call 911 or go to a local hospital emergency room.

  • Please note that these services are intended for true medical emergencies only.
  • If you are unsure whether you should call 911 or go to a hospital, you can call the UHS Nurse Advice Line 24/7 at (512) 475-6877 for guidance.

For conditions or injuries that can be treated outside of an emergency room but require prompt attention, use the UHS Urgent Care Center during open hours or a local urgent care clinic. Some common reasons to use these clinics include:

  • Wounds that require stitches
  • Allergic reactions that are not life-threatening
  • Sprains and minor fractures

Who should I contact if I have questions about my insurance?

Questions about purchasing student health insurance for a dependent or scholar and questions about insurance waivers can be directed to the insurance advisor.

If you hold the Student Health Insurance Plan, questions about claims and benefits can be directed to AHP or BlueCross/Blue Shield.

UT Student Health Insurance Plan and UT Select Employee Insurance

How do I use my medical insurance?

Keep your insurance card with you at all times. You will need to present this card whenever you seek medical attention.

When you are not using University Health Services, you can search for local providers in the Blue Cross Blue Shield network.

Always review your Explanation of Benefits (EOB) for errors or uncovered expenses.

  • An EOB is a description of payments issued by the insurance company after a claim has been processed.
  • The EOB will also state the remaining amount that may be owed by the policyholder to the medical provider. Note: this is not a bill, but an explanation of covered expenses.

How do I request a new insurance card?

If you have not yet done so, please register your Blue Access account. Once you have registered your account, you can request a new card online.

How do I know what my insurance covers?

Holders of the Student Health Insurance Plan can see a general overview of your coverage on the plan highlights flyer and plan brochure. Specific questions about benefits are best directed to Blue Cross Blue Shield Customer Service at 800-521-2227.

How do I know if a doctor takes my insurance?

You can search in-network providers online. Select “PPO” for Network Type. Once you perform a search, you can narrow it down by language if desired.

It’s the beginning of the semester, but the doctor’s office/pharmacy/BCBS website says my student health insurance has expired. Do I still have insurance?

Each semester, BlueCross/BlueShield (BCBS) must re-enroll covered students. While the new enrollment process is completed, you may expect a slight delay in your summer coverage being reflected in the BlueCross/BlueShield system. If you need to seek care outside of University Health Services before the system has been updated at the beginning of the semester, please contact for insurance verification.


Am I required to purchase the UT student health insurance plan if I already have my own insurance?

Students may request an insurance waiver before the waiver deadline if they are covered by an alternative insurance policy that meets the basic requirements of the UT Health Insurance Plan. Please see the ISSS insurance waivers webpage to access waiver forms, submission guidelines, and deadlines.

How do I know if my waiver has been approved?

Waiver requests may take up to two weeks to be processed. You may check to see if your waiver request has been approved by viewing your tuition and fee bill. If you see insurance charges on your tuition and fee bill on the 11th class day (fall/spring) or 3rd class day (summer), contact the Insurance Advisor immediately.

How do I get my refund if my waiver was approved but I already paid my tuition?

You should receive a refund from Student Accounts Receivable after the 12th class day via direct deposit if you have entered your bank account information into UT Direct. Otherwise, a check will be mailed to your local address listed in UT Direct.