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.

Coverage Period for 2023-24

Fall 2023: August 1, 2023 - December 31, 2023

Spring 2024: January 1, 2024 - July 31, 2024

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 CarePhysical TherapyNutrition $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

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)