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 (effective 8/1/19), vision through VSP and dental services through MetLife.

 New Carrier for 2019-20 SHIP

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
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.