How to use SHIP

When you need health care at University Health Services (Tang Center)

When you need medical care, call the appointment office at 510-642-2000 or visit the eTang patient portal to make an appointment. Visit the appointments page for more information. 

When you need health care outside of the area

Referrals

As of March 16, 2020 and until further notice, no referrals are needed to obtain medical or mental health care outside of the Tang Center. 

SHIP Insurance Card

Please have your insurance card available when scheduling appointments as you will be asked for your plan details. You may also be asked to bring your insurance card to your appointment. You may view and print your ID card by registering on the Wellfleet website or Berkeley SHIP mobile app

Locate in-network providers

SHIP is a nationwide plan and there are in-network providers across the country. To locate in-network providers, use Wellfleet's provider search tool.

Using SHIP Abroad & Travel Assistance Services

See this guide for more information.

Referrals from UHS clinicians

Emergency Room & Urgent Care Center

Emergency room and urgent care services do not require a referral. Please provide the facility with your insurance ID card. Claims submitted to the insurance provider will be processed according to the SHIP benefits. 

Billing for services at UHS

UHS bills Wellfleet directly for services provided at the Tang Center. Patients have the option to pay their financial responsibility (e.g. co-pay, co-insurance) at the Billing & Cashier Office within seven days from the date of service. After seven business days, charges are billed to your CalCentral account and payments will need to be made through CalCentral. (Note: We will wait for Wellfleet to process claims before billing any patient responsibility portion to your CalCentral account. Sometimes, this process may take more than seven business days.)

SHIP members pay $15 for a primary care, physical therapy and gynecology office visit, $25 for specialty visits and $35 for an Urgent Care clinic visit at the Tang Center. For most other services, SHIP members pay 10% of UHS fees. The deductible does not apply to services at the Tang Center. 

Billing for services outside UHS

Medical & Behavioral Health Services

When students receive care outside of the Tang Center, the health care provider may require payment of the student's portion of fees at the time of service, or they may send a bill after SHIP has paid the covered amount. Most providers will submit bills directly to Wellfleet's provider network (Blue Shield of CA for services in California or Cigna for services outside of California).

If you receive a medical bill and the provider has not billed the plan for services, please call the number on the bill and give them your Wellfleet ID number and ask them to re-bill the claim directly to Blue Shield of CA for services in California or Cigna for services outside of California.

Non-network Providers

If you visit a non-network provider and paid out-of-pocket for services, you will have 365 days to submit a claim for reimbursement. Please submit a claim to Wellfleet online or by mail/fax.

Prescriptions 

When filling prescriptions at a pharmacy, present your Wellfleet insurance card.

If you paid out of pocket for a prescription, submit the prescription claim form for reimbursement. 

International Medical & Behavioral Health Claims

For out of country claims, you will be required to pay upfront for the services and submit a claim for reimbursement. You have 365 days from the date of service to do so. If you are currently located in the U.S., you may submit an online claim or paper claim by mail/faxIf you reside outside the U.S., use the International Medical Reimbursement Claim Form.

Questions

If you have questions or need assistance, please contact the SHIP office at 510-642-5700 or ship@berkeley.edu.

Dual coverage

Services provided at UHS will be billed exclusively to SHIP regardless if you have dual coverage through another plan in addition to SHIP.

For services provided outside of UHS, standard coordination of benefits practices apply. For most students, SHIP will be their primary insurance.

For questions regarding coordination of benefits, please contact Wellfleet Member Services at (833) 302-9785.

Important reminder: If you also have Medi-Cal or Tricare, SHIP is always primary.

Deductible

There is a $450 plan year deductible for some services provided outside UHS. SHIP members are responsible for the first $450 of qualified charges outside of UHS each plan year. Once the deductible is satisfied, SHIP benefits begin.

Medical, mental health, and urgent care center office visits with network providers, emergency room visits, and prescriptions are not subject to the annual deductible.

Annual out-of-pocket maximum

In-network

The individual in-network out-of-pocket maximum is $3,200. Applicable deductible, co-pays, and co-insurances paid to in-network providers will accumulate towards the in-network out-of-pocket maximum. When the in-network out-of-pocket maximum is satisfied, SHIP will pay 100% for covered services with in-network providers for the remainder of the plan year. 

Out-of-network

There is a separate individual out-of-network out-of-pocket maximum of $6,500. Applicable deductible, co-pays, and co-insurances paid to out-of-network providers will accumulate towards the out-of-network out-of-pocket maximum. When the out-of-network out-of-pocket maximum is satisfied, SHIP will pay 100% of the usual and customary charge for covered services with out-of-network providers for the remainder of the plan year. Non-covered services and charges over the usual and customary fee does not accumulate towards the out-of-pocket maximum and are the responsibility of the patient. 

Note:

1. The plan year is August 1 to July 31.
2. Out-of-pocket expenses to in-network providers does not count towards the out-of-network out-of-pocket maximum. 
3. Out-of-pocket expenses to out-of-network providers does not count towards the in-network out-of-pocket maximum. 

Lifetime maximum

There is no lifetime maximum on the plan.

Pre-existing conditions

SHIP does not exclude pre-existing conditions. There is no waiting period for coverage for pre-existing conditions.

Managing your plan - update your address

It is very important to keep your local address updated with campus on CalCentral. When you move or go away for the summer, please remember to update your address.

SHIP Patient Rights  + Responsibilities 

Glossary of Insurance Terms

Access Your Plan Online

How to use ship handout

Visit the MySHIP Online Portal or Berkeley SHIP mobile app to download your insurance card, submit & review claims, and find medical & behavorial health providers.