SHIP Benefits

berkeley ship logoBerkeley Student Health Insurance Plan (SHIP) is an outstanding health plan available designed specifically for college students.

Berkeley SHIP is a comprehensive major medical insurance plan, providing medical, counseling and prescription through Anthem Blue Cross, vision through VSP and dental services through MetLife.

 New Benefits for 2018-19:

Counseling and Social Services: 
No co-pay for short-term counseling. 

Pharmacy prescription changes:

Tang Pharmacy:

  • $0 for generics
  • $25 co-pay for formulary brand
  • $40 co-pay for non-formulary
  • $75 co-pay for specialty 

Outside of Tang Pharmacy:

  • $10 co-pay for most generics
  • $35 co-pay for formulary brand
  • $50 co-pay for non-formulary
  • 20% up to $250 co-pay for specialty

 Important Notes:

  • Coverage periods:
    • Fall 2018: August 1, 2018 - December 31, 2018
    • Spring 2019: January 1, 2019 - July 31, 2019 
  • 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 authorized 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 the Anthem Blue Cross Provider Network, claims will be paid at 60% 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 60% coverage of the non-network rate.

Benefit 

In-network coverage summary

2018-2019 plan year

(Click links to see important benefit details)

Preventative

100% covered (you pay $0)

Primary Care

$15 co-pay for office visits

Specialists

$15 co-pay for office visits 

Urgent Care

$35 at UHS; $50 outside UHS

Counseling

No co-pay for short-term counseling; $15 co-pay outside UHS

Emergency Room

$100 co-pay ($100 co-pay waived if admitted; deductible waived) 

Hospitalization*

90% coverage (you pay 10%) *subject to deductible 

Labs/tests/x-rays*

90% coverage (you pay 10%)  *subject to deductible for services 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 20% 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 & lenses (up to $150/year) or contact lenses (up to $150/year) 

Deductible

*$300 for some medical services outside of the Tang Center