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:
    • Fall 2022: August 1, 2022 - December 31, 2022
    • Spring 2023: January 1, 2023 - July 31, 2023
  • 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 behavorial health providers may contact Wellfleet Provider Services at (833) 302-9785 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 
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 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
  • At-home OTC COVID-19 tests: Starting on January 15, 2022, SHIP will cover eight at-home COVID-19 tests per person, per month. Learn more here.
  • Coronavirus testing: Wellfleet will cover COVID-19 testing (sypmtomatic) until futher notice (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.