SHIP Benefits

berkeley ship logoBerkeley Student Health Insurance Plan (SHIP) is an outstanding health plan designed specifically for college students.

Berkeley SHIP is a comprehensive major medical insurance plan, providing medical, counseling and prescription through Wellfleet Student, vision through VSP and dental services through MetLife.

Important Notes:

  • Coverage periods for 2023-24
    • Fall 2023: August 1, 2023 - December 31, 2023 
    • Spring 2024: January 1, 2024 - July 31, 2024 
  • SHIP's medical insurance carrier is Wellfleet. Wellfleet utilizes Blue Shield of CA PPO provider network for services in California and Cigna PPO for services outside of California.
  • There is a $450 per plan year deductible for some medical services provided outside of UHS. The plan year is from August 1 to July 31. 
  • If services are obtained from non-network providers or facilities, claims are paid at 50% of the non-network rate (customary and reasonable), which is significantly lower than the network coverage. 
  • Medical and mental health providers may contact Wellfleet at (877) 657-5033 to verify benefits and eligibility. 


In-Network Benefit Summary

Preventive 100% covered ($0 co-pay)
Primary Care $15 co-pay for office visits
Physical Therapy $15 co-pay for office visits
Specialists $25 co-pay for office visits
Urgent Care

UHS: $35 co-pay for visit, then 10% co-insurance for ancillary charges

Outside UHS: $50 co-pay 


UHS: $0 co-pay for short term counseling

Outside UHS: $15 co-pay

Nutrition $15 co-pay
Emergency Room $250 co-pay (co-pay waived if admitted)
Hospitalization $250 co-pay per admission; then 10% co-insurance after the deductible
Labs/Tests/X-rays 10% co-insurance (subject to deductible outside UHS)

Prescription Drugs

SHIP members are not required to use the UHS Tang Pharmacy.

Tang Pharmacy:
  • $0 for preferred generics
  • $25 co-pay for preferred brand & high cost generics
  • $40 co-pay for non-preferred
  • $75 co-pay for specialty medications

Outside Tang at Participating Retail Pharmacies:

  • $20 co-pay for preferred generics
  • $40 co-pay for preferred brand & high cost generics
  • $60 co-pay for non-preferred 
  • 20% co-insurance, up to $250 co-pay for specialty medications 
  • $2,000 benefit maximum per year
  • $25 deductible applies to basic and major services
  • $0 for exams and cleanings (twice per plan year)
  • 20% co-insurance for basic services (e.g., fillings, deep cleaning)
  • 30% co-insurance for major services (e.g., bridges, crowns)
  • $10 co-pay for eye exam
  • $25 co-pay for glasses (up to $150/year) OR contact lenses (up to $150/year)
Deductible *$450 for some medical services outside of the Tang Center

Coronavirus Coverage

Please see SHIP updates for benefit changes effective May 12, 2023.

Effective May 12, 2023:

  • At-home OTC COVID-19 tests are no longer covered. (Please see the OTC COVID-19 testing page for coverage and reimbursement details on purchases made between January 15, 2022 and May 11, 2023.)
  • Coronavirus lab testing (due to symptoms or exposure) and treatment (including evaluation and management visits): Wellfleet will continue to cover services without member cost sharing through November 11, 2023.