Insurance

All Students

All students should read all insurance-related emails from the health center carefully. We will remind students by email about their insurance options as the fall deadline approaches each year.

Health services at TCU’s Brown-Lupton Health Center are available to all currently enrolled, degree seeking students regardless of their insurance coverage.

Requirement: All undergraduate students registered for 9 or more hours are required to carry health insurance. 

This requirement is met by having either private health insurance or the TCU Aetna Student Health Insurance Plan.

  • Students who wish to carry private insurance must submit their insurance information on my.tcu.edu by the fall deadline each academic year to waive automatic enrollment in the student health insurance plan .
  • Students who do not provide private insurance information will be automatically enrolled in the student health insurance plan.
  • Students registered for fewer than 9 hours have the option of electing the student health insurance plan, but are not enrolled automatically and are not required to carry health insurance by the university.
  • Graduate students have the option of electing the student health insurance plan, but are not required to carry health insurance by the university.
  • Graduate students enrolled in 100% online programs do not have the option to elect the student health insurance plan.

Requirement: All international students are required to carry the student health insurance plan.

  • Enrollment is automatic for all students on F-1 Visas.
  • Exceptions are made only in the case of family members living and working in the United States.

Students seeking an exemption, and those on H or L Visas, must check their status with the Office of International Student Services.

Helpful Links

Need Help With Insurance Decisions?

For insurance questions, email healthinfo@tcu.edu

How to Use Your Aetna Student Health Plan Away From TCU

Read your Student Health Insurance Plan to learn about the benefits and exclusions of the plan.

  1. Read your Student Health Insurance Plan to find the steps you need to take before seeking medical treatment.
  2. Understanding the guidelines of your Plan may prevent you from paying unexpected out-of-pocket expenses.
  3. Be sure to present your Student Health Insurance ID Card when visiting a medical provider. Print your Web ID here.
  4. Confirm if the provider is an in-network provider. Find an in-network doctor.
  5. If you are being treated by an in-network provider, your claim will automatically be submitted to the Aetna Student Health Insurance by the Provider.
    • If you are being treated by an out-of-network provider, you must file the claim using the claim form found on the Health Center’s website. Be sure your name, and school name are written clearly on all medical bills as they must accompany the claim form.  Always make copies for your records.
  6. Payment on a filed claim for covered expenses will be sent directly to the provider unless proof of payment is submitted with the claim.
  7. Once a claim is processed, an Explanation of Benefits (EOB) statement will be mailed to you explaining the benefit paid to the provider. The provider will send you a statement if a balance is due.

Further questions about the Aetna Student Health Insurance Plan should be directed to Aetna Student Health customer service at (800) 859-8478.

Pharmacy/Prescription Benefit

On-Campus Pharmacy

The charge for a prescription filled at the TCU Pharmacy is posted to the student’s university account and shown as a line item – TCU Pharmacy. This charge is eligible for an 80% reimbursement. The claim form found on the Health Center’s website along with the receipt must be submitted to the address on the form to seek reimbursement. The annual, in-network deductible of $350 must be met prior to reimbursement being sent.

Off-Campus Pharmacies

Prescriptions filled off campus are eligible for a 70% reimbursement.The claim form found on the Health Center’s website along with the receipt must be submitted to the address on the form to seek reimbursement. The annual, in-network deductible of $350 must be met prior to reimbursement being sent.