insurance card

Insurance Information

All Students (Except International Students) 

The Affordable Care Act requires everyone to have health insurance or be subject to penalties. There are several options available to students for health insurance coverage: 

Coverage under their parent's health insurance policy until age 26


Purchasing coverage through a health insurance exchange, an online marketplace to shop for, compare and purchase health insurance coverage. The specific exchange an individual can obtain insurance through is based on the individual's state of residency.

Minnesota Residents: MNSure Illinois Residents: Get Covered Illinois Wisconsin, Iowa, North & South Dakota and All Other States:

Insurance Billing

For your convenience, Winona State University Health & Wellness Services bills most major insurance companies. There is no payment at the time of service. Comparatively low charges are generated for medications, vaccinations, supplies, procedures, and laboratory tests, just as in a any medical facility. Any costs incurred will be billed to your health insurance. You will receive a statement by mail for any remaining balance applied to your student account.

Please bring current insurance information at each visit to Health & Wellness Services.

If you don't have your card, a picture of both the front and back of the card will work. Importantly, the specific pieces of information needed are: (see example card front below)

  • ID
  • Group ID
  • Name of Policy Carrier (who is the insurance through)


Insurance Card Front


Coverage for being seen at WSU Health & Wellness Services can be determined by calling your insurance provider and finding out if WSU Health & Wellness is in-network or out-of-network.

If WSU Health & Wellness Services is out-of-network, you can expect to see all of the charges unless you switch your primary care facility to WSU Health &Wellness, thus becoming in-network. This can be done through contacting your customer service from the number on the back of your insurance card.

Another option to get out-of-network benefits while being seen at WSU Health & Wellness Services, is have your current provider at your home clinic give your insurance company a referral stating that you will be receiving care at WSU Health & Wellness Services while attending college at WSU.

These options are not guarantees of coverage. The best way to determine your coverage options are to call your insurance provider.  

For more information on health insurance options or billing, contact the student health insurance coordinator, Traci Kauphusman at 507.457.2224.

International Students - United Health Care Student Resource Insurance 

Winona State University is pleased to offer an injury and sickness insurance plan through United Health Care Student Resources Insurance. All international students, scholars, and faculty engaged in educational activities are required by Minnesota state law to enroll in the plan. Those with a sponsoring government plan must show proof of insurance to the student insurance advocate within the first 45 days of enrollment to be considered for an exemption. 

For more information on United Health Care Student Resources Insurance, to schedule an appointment or to request insurance information to be sent to you, send an email to Pam Rasmussen at Health & Wellness Services 507.457.2224.