Costs & Insurance Billing
Winona State Health and Wellness Services provides high quality healthcare at the lowest costs locally. WSU students are automatically eligible for financial assistance, which is available upon request.
Health Services bills through insurance but health insurance is not required.
There is no payment at the time of service. Health Services will bill to your insurance carrier through our billing company, CompuMed.
After insurance has paid its portion, charges will be placed on your student account and an invoice mailed to your billing address detailing the claim and amount due.
If you are not able to pay that amount, call our Insurance Coordinator at 507.457.2297 to request financial assistance. You may also call this number with any questions about billing or insurance.
You can make payments toward your student account that can be paid online or in person at the Warrior Hub.
Learn more about how to:
- use your health insurance at Winona State Health Services
- view costs for clinic services
- understand Good Faith Estimates
- get health insurance
Clinic Charges
If you have insurance, please bring a copy of your medical insurance card to your appointment.
If you do not have insurance, then you can expect to see the full cost of service on your student account.
Services & Procedures | Cost |
---|---|
New Patient Appointments | $213 - 499 |
Established Patient Appointments (15-30 min) | $120 – 293 |
Annual Physical Exam | $323 - 383 |
COVID Testing | $161 for the test, $65 for administration fees |
Nurse-only Appointment (for established patients only) | $60 |
Allergy Shots | $40-45 (billed per injection, includes administration fees) |
Over-the-counter medications are not covered by any insurance. These charges may be posted to student accounts.
If you miss an appointment without notifying Health Services in advance, you may be charged a No-Show Fee. No-Show Fee charges are $15 per occurrence and will be posted to your student account.
Good Faith Estimates
You have the right to receive a “Good Faith Estimate” explaining how much your health care will cost.
Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of their bill for health care items and services.
You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.
If you schedule a health care service at least 3 business days in advance, make sure your health care provider gives you a Good Faith Estimate in writing within 1 business day after scheduling. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule a service.
Make sure to save a copy or picture of your Good Faith Estimate. If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.
Learn more about healthcare consumer protections and email FederalPPDRQuestions@cms.hhs.gov or call 1.800.985.3059 if you have any questions.
Health Insurance Information
Please bring current insurance information at each visit to Health & Wellness Services.
If you don’t have your card, email a picture of both the front and back to tkauphusman@winona.edu. Make sure to include these specific pieces of information:
- ID
- Group ID
- Name of Policy Carrier (what company is the insurance through)
Get the Best Coverage for Your Care at WSU Health Services
By ensuring your insurance offers the best coverage at our clinic, you can lower healthcare costs even more.
You can request an insurance referral from your primary care provider/clinic for Winona State University Health & Wellness Services Clinic (NPI# 1700906633). They can request several appointments for while you are away at college and these are generally good for a year at a time.
Be sure that your primary care clinic sends the request to your insurance provider. You can also backdate this request if you have previous appointments to cover.
Follow up with your insurance carrier to ensure that the referral has been processed by calling the customer service number on the back of your card. You may want to talk with them about other options as well, such as switching your primary clinic to WSU or using Point of Service care if your insurance carrier provides that.

How to Get Health Insurance
The Affordable Care Act requires everyone to have health insurance or be subject to penalties.
If you are a United States resident, you can meet the Affordable Care Act requirement with either of these options:
- Coverage under their parent’s health insurance policy until age 26
- Purchasing coverage through a health insurance exchange, which is an online marketplace to shop for, compare and purchase health insurance coverage
If you choose to use the health insurance exchange, you must obtain insurance through your current state of residency. Here are some options:
- Minnesota Residents: MNSure or 855.3MNSURE or 1.855.366.7873
- Illinois Residents: Get Covered Illinois or 1.866.311.1119
- All Other States: healthcare.gov or 1.800.318.2596
WSU offers 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.
If you have a sponsoring government plan, you 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, email Traci Kauphusman at tkauphusman@winona.edu or call 507.457.2297.
After Hours Virtual Care
United Health Care Student insurance plans include The HealthiestYou program that provides 24/7 access to physicians to answer health care questions. Additionally, you can access telehealth and teletherapy through this service.