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.

See the Summary of Benefits and Coverage and Berkeley SHIP 2019-2020 Brochure.


In-Network Coverage Summary 2019-20 Plan Year

Preventative 100% covered (you pay $0)
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 $35 co-pay for office, $50 outside UHS 
Counseling No co-pay for short-term counseling from UHS, $15 co-pay outside of UHS
Nutrition $15 co-pay
Emergency Room $250 co-pay (waived if admitted; deductible waived)
Hospitalization $250 co-pay per admission then 90% coverage (you pay 10%) *subject to deductible
Labs/Tests/X-rays 90% coverage (you pay 10%) *subject to deductible outside UHS
Prescription Drugs Inside Tang:
  • $0 for generics
  • $25 co-pay for formulary brand
  • $40 co-pay for non-formulary
  • $75 co-pay for specialty

Outside Tang:

  • $10 co-pay for most generics
  • $35 co-pay for formulary brand
  • $50 co-pay for non-formulary
  • up to $250 co-pay for specialty
Dental 100% coverage for exams and cleanings twice per year, 80% coverage for basic services, and 70% coverage for major services (up to $2,000 benefit maximum per year). $25 deductible applies to basic and major services.
Vision $10 co-pay for eye exam, $25 co-pay for frames and lenses (up to $150/year) or contact lenses (up to $150/year)
Deductible *$300 for some medical services outside of the Tang Center
Coronavirus Coverage
  • Coronavirus testing: Wellfleet will cover COVID-19 testing (including ER, telemedicine, urgent care and office visits) similar to a preventive benefit for fully insured plans, waiving co-pays, deductibles and co-insurance for customers when treated by in-network or out of network providers.
  • Coronavirus treatment: Wellfleet is waiving out-of-pocket costs for all COVID-19 treatment until further notice. The treatments that will be covered for COVID-19 are those covered under Medicare or other applicable state regulations. The company will reimburse health care providers based on in-network rates or reasonable and customary rates, as applicable.

 Important Notes:

  • Coverage periods:
    • Fall 2019: August 1, 2019 - December 31, 2019
    • Spring 2020: January 1, 2020 - July 31, 2020 
  • There is a $300 per plan year deductible for some medical services provided outside of UHS.
  • If providers or facilities are used that are not part of in-network provider, claims will be paid at 50% of the non-network rate (customary and reasonable), which is often significantly lower than the in-network rate. For example, 90% coverage of the in-network rate is going to be less costly to the patient than 50% coverage of the non-network rate.

Berkeley SHIP 2019-20 Information

 Berkeley SHIP Brochure 2019-20

 Summary of Benefits 2019-20