SHIP -- What is it and why is it provided by the University?
To understand how SHIP works, it is important to understand that your health plan at UC Berkeley consists of two parts:
1. University Health Services (UHS)
University Health Services is a complete outpatient health center for students, providing medical, mental health and preventive care. Our clinicians serve as your primary care provider or "PCP" while you're at UC Berkeley. All eligible registered students may use the services of UHS, regardless of what type of major medical insurance they have. Services are supported by registration fees and are provided at moderate prices.
2. Berkeley Student Health Insurance Plan (SHIP)
The University of California requires all students have major medical insurance and provides the Berkeley Student Health Insurance Plan (SHIP) to meet this requirement. SHIP cover services at UHS including primary care and services outside UHS including hospitalization, off-campus or out-of-area care while traveling and some specialty services not available at UHS. SHIP also provides dental and vision coverage. Students are automatically enrolled in SHIP and the premium is charged on the CalCentral account.
How does SHIP work?
Please see How to use SHIP.
When does SHIP coverage begin and end?
|Fall 2021||August 1, 2021-December 31, 2021|
|Spring 2022||January 1, 2022-July 31, 2022|
Registered Berkeley students who enroll in SHIP for the Fall and Spring semesters have year-round health insurance coverage.
Can I waive SHIP coverage?
When is the SHIP coverage and waiver period for Special Summer Programs?
If I waive SHIP, can I still use University Health Services at the Tang Center?
Yes, all eligible registered UC Berkeley students can be seen at University Health Services.
All eligible registered students pay $15 for a primary care office visit and $35 for an urgent care clinic visit.
UHS only bills Berkeley SHIP and does not bill any other insurance providers. Please see the sample fee chart for more details on our fees.
If I am enrolled in SHIP can I go to any doctor I want?
University Health Services is the primary care provider for students enrolled in SHIP. This means that you should see a UHS clinician when you need medical attention unless you are away from campus or need to visit an emergency room or urgent care. We encourage students to see the same doctor or nurse practitioner for each visit, if possible. Knowing your clinician makes visits more comfortable and contributes to the most healthful outcome.
As of March 16, 2020 and until further notice, a referral is not needed for medical or mental health care outside of the Tang Center.
We strongly recommend that SHIP students visit providers that are within the Wellfleet PPO network in order to receive their maximum benefits. Please use the Wellfleet find a doctor tool in order to locate the in-network options available.
Can I use my SHIP at other UCs?
The Student Health Center (SHC) at each University of California campus gladly offers reciprocal access to its student health services to currently registered students from all other UC campuses under the same conditions that apply to its own students who are not enrolled in its campus Student Health Insurance Plan (SHIP).
Are there deductibles with SHIP?
There is a $450 plan year deductible for some services provided outside UHS. SHIP members are responsible for the first $450 of qualified charges outside of UHS each plan year. Once the deductible has been satisfied, SHIP insurance coverage resumes. In-network medical and mental health office visits, emergency room visits, network urgent care center visits and prescriptions are not subject to the annual deductible.
Is there an annual limit to my out-of-pocket payments?
Students are responsible for no more than $3,200 of in-network out-of-pocket expenses each plan year. If you paid $3,200 in co-pay, co-insurance and deductible to in-network providers, you will no longer be required to pay any co-pay or co-insurance for services obtained from in-network providers for the remainder of the plan year. The plan year is from August 1 to July 31. The in-network out-of-pocket maximum does not apply to non-network providers. The out-of-pocket maximum for out-of-network services and providers is $6,500.
Note: Non-covered services and balance-billed charges with non-network provider does not count towards the network or non-network out of pocket maximum.
Do I need proof of coverage (also called a Certificate of Coverage)?
The SHIP office can provide you with a Certificate of Coverage or Insurance Verification Letter.
What do I do if I have to go to the emergency room?
If I am outside of Bay Area, how do I obtain medical care?
As of March 16, 2020 and until further notice there is no referral needed to access medical and mental health care outside of the Tang Center.
You can visit the Wellfleet provider finder tool to find an in-network provider.
What do I do if I receive a medical visit bill?
If you receive a medical bill for services outside UHS and the provider has not billed the plan, please call the number on the bill. Give them your SHIP member ID and ask them to re-bill the claim directly to the claim address found on your ID card. Please see below to obtain your SHIP ID card.