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.

Benefit

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
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

 Important Notes:

  • Coverage periods:
    • Fall 2019: August 1, 2019 - December 31, 2019
    • Spring 2020: January 1, 2020 - July 31, 2020 
  • All medical and mental health care, with the exception of emergency room or urgent care serivces, must begin at University Health Services (UHS). All non-emergency services outside of UHS must be approved by the Student Health Insurance Office in order to ensure payment for services.
  • 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.

Teladoc - Online Telemedicine

Teladoc is available 24/7 for SHIP Students.

Main teladoc flier

Download and print this Teladoc Flier.