Secondary navigation

SHIP Benefits

Berkeley 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.

See here for benefit changes for the 2025-26 plan year

Coverage Period for 2024-25
Fall 2024: August 1, 2024 - December 31, 2024	Spring 2025: January 1, 2025 - July 31, 2025

Medical Plan (in-network benefit summary)
Wellfleet Provider Network	Services in California: Blue Shield of CA PPO Services outside California: Cigna PPO
Deductible	$450 per plan year (August 1 to July 31) for some medical services outside UHS
Preventive	100% covered ($0 co-pay)
Primary Care, Physical Therapy, Nutrition	$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
Counseling	UHS: $0 co-pay for short term counseling Outside UHS: $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 Pharmacy.	UHS 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 UHS 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
Dental Plan (in-network benefits)
$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)
Vision Plan (in-network benefits)
$10 co-pay for eye exam $25 co-pay for glasses (up to $150/year) OR contact lenses (up to $150/year)

Topics

SHIP Insurance topic page