STUDENT HEALTH INSURANCE

Effective Date: 
Thu, 09/01/2005
Reviewed: 
Sun, 08/28/2011
Revised: 
Mon, 05/15/2017
Policy: 

The University of California Regents mandate that all students be covered by a health insurance plan as a condition of enrollment at all University of California campuses. To assist in meeting this requirement, UC offers the UC Student Health Insurance Plan (UC SHIP) undergraduate and graduate insurance plans specifically designed to meet the needs of students. All students are automatically enrolled in the UC SHIP plan and the premium is charged to their student account. If students have acceptable insurance and don’t want to keep UC SHIP as dual coverage, they must waive enrollment online by the deadlines. All students can use UCSC Student Health Services whether they have UC SHIP or not.

Procedure: 

Mandatory enrollment in the UC SHIP Undergraduate and Graduate student plans

All full-time and part-time undergraduate and graduate students are automatically enrolled in the UC SHIP plans unless an on-line insurance waiver form is submitted.

 

What is UC SHIP?

UC SHIP is an affordable health insurance plan tailored to the health care needs of UCSC students. The medical plan features year-round, world-wide coverage using the Anthem Blue Cross network, and includes prepaid access to care at the UCSC Student Health Center for illness or injury. This means students can receive convenient, high quality on-campus care when they are sick or injured without having to be concerned about cost or availability of the care they need.  Preventive health care visits are covered at the Student Health Center at 100% for one physical per year.  The UC SHIP plan provides optimal coverage for services on campus and in the Santa Cruz community, and peace of mind for both parents and students. The dental plan is provided by Delta Dental; the vision plan is provided by Anthem Blue Cross.

Charges for premiums

Insurance premiums are billed to students on the first billing cycle of each quarter (Fall, Winter, Spring/Summer). The quarterly premium is arrived at by dividing the annual insurance premium into three equal installments.

Special/Voluntary Enrollment
Individuals who fall under the following categories are not automatically enrolled in the UC SHIP plans, but may enroll on a voluntary basis by completing the UC SHIP Insurance Enrollment Form (see the UCSC SHS website). Voluntary student and dependent enrollments are handled by the plan administrator (Anthem Blue Cross via Wells Fargo Student Insurance Services). Enrollment terms, conditions, and costs are provided on the enrollment forms. For detailed plan information, please refer to the UC SHIP Insurance Brochure.

  1. Students on Approved Withdrawal (2 quarters limit per academic career)

  2. Graduate students on Filing Fee status (1 quarter limit)

  3. Dependents of eligible undergraduate or graduate students - although dependents must be seen elsewhere

Withdrawn Status

Student who withdraw from the university during the quarter remain on the student insurance plan(s) for the quarter unless a valid waiver was in effect for the quarter.

Accepting or waiving UC SHIP

To accept enrollment in UC SHIP no action is necessary; students will automatically be enrolled and billed for the Fall quarter premium in August and coverage will begin at the beginning of the quarter.

To waive out of the UC SHIP plan students must complete an on-line waiver.

Note: Once accepted, the waiver is in effect for the current quarter and the remainder of the academic year. A new waiver must be submitted at the beginning of each academic year.

If students have acceptable health insurance coverage and are sure that they want to waive the UC SHIP plan, they are asked to follow these instructions:

Navigate to the UCSC Waiver Site

Complete and submit the waiver (please read the instructions regarding On-line Waiver Questions and Coverage Information before beginning the waiver process).

 

On-Line Waiver Questions

Students will be asked a version of these questions in our on-line waiver process. The Insurance office will not accept waivers past the posted deadlines and does not accept waivers in paper format.

Health Insurance Information (complete if waiving UC SHIP coverage)

  1. Name of Insurance Company:

  2. Insurance Company Phone #:

  3. What is the subscriber's name for this coverage:

  4. Insurance Group #:

  5. Insurance Subscriber ID#:

  6. What is the subscriber's relationship to you?:

Coverage Information

  1. Is your insurance plan owned, headquartered and operated in the United States? Yes/No

  2. Does your plan provide primary care services within 30 miles of UCSC? Yes/No

  3. Does your plan provide emergency care with a 30 mile radius of UCSC? Yes/No

  4. Does your plan have inpatient and outpatient mental health benefits? Yes/No

  5. What is your plan’s deductible per individual each year?

  6. According to your insurance plan, what is your maximum out-of-pocket expense per individual each year?

  7. What is your plan’s maximum lifetime benefit?

Waiver Appeal Process

Students whose waiver request is denied may appeal that denial by submitting an Appeal of Insurance Waiver Denial to Wells Fargo Insurance Services, the UC SHIP Waiver Administrator.  Medi-Cal and Medicare coverage are considered to automatically meet criteria of comparability and will be accepted as a basis for waiving UC SHIP as long as services can be provided within the 30 mile radius. Other coverage will be considered on an individual basis.

Appeal of waiver denial because of lateness will only be accepted for circumstances in which the student was reasonably unable to file the waiver prior to the deadline, because of illness or travel.

All students who file appeals of waiver denial will receive written notice of the appeal decision.

The Ancillary Services Director and the Clinical Operations Analyst will be the primary adjudicator of late appeals. Final responsibility for appeal decisions will rest with the Executive Director.

 

Waiver Reversal

Students who have waived out of the UC SHIP and now wish to re-enroll can reverse their waiver by completing the Insurance Waiver Reversal Request form. If the Waiver Reversal Request is approved, the insurance premium charges will be posted on the student's account and should visible on the next billing statement. Enrollment will continue automatically and the premium will be charged for each subsequent quarter. If the waiver reversal request is submitted within the 30 day enrollment period for the quarter, the effective date will go back to the beginning of the quarter. If submitted after the 30 day enrollment period, the effective date will be the date this form was signed. Waiver Reversal Requests cannot be pro-rated; the full premium will be charged.

Late Enrollment

Students who want UC SHIP and need to enroll late or during the summer may do so as long as they are/will be registered students by signing up.  See the Waiver Reversal / Enrollment Request form.

Plan Governance

Governance of the UC SHIP plans is currently under development by the UC SHIP office.

 

Refer to the UC SHIP brochures for detailed information on plan procedures, benefits, and exclusions.

Key Points: 
  • The University of California Regents mandate that all students be covered by a health insurance plan as a condition of enrollment at all University of California campuses.
  • All students are automatically enrolled in the UC SHIP plan and the premium is charged to their student account.

  • If students have acceptable insurance and don’t want to keep UC SHIP as dual coverage, they must waive enrollment.

  • To waive out of the UC SHIP plan students must complete an on-line waiver.

  • Students whose waiver request is denied may appeal that denial by filing an Appeal of Insurance Waiver Denial.

  • Students who have waived out of the UC SHIP and now wish to re-enroll can reverse their waiver by completing the Insurance Waiver Reversal Request form.