- SHIP provides nationwide coverage- Exchange plans or private insurance plans may not provide national coverage.
- SHIP offers the most convenience- Students can see a doctor and nurse on campus with no out-of-pocket expense. X-rays, lab work and even prescriptions are available. With other health insurance plans, students pay out-of-pocket or will have to go off campus for covered care.
- SHIP provides vision and dental coverage at no extra cost– With many other health plans, vision and dental coverage is EXTRA.
- SHIP meets all the requirements of the Affordable Care Act.
- A student can be covered by SHIP even if the family is participating in Covered CA or a home state exchange plan.
All UCR students are automatically enrolled in the Student Health Insurance Plan (SHIP), one of the most comprehensive and affordable plans available. The cost is included in your student fees.
SHIP and the Waiver Option
If you waived out of SHIP, but now realize it is the best plan for your needs, you can rejoin! Simply call the Student Health Services (SHS) Insurance office at (951) 827-5683 to sign up again.
If you have insurance and wish to be exempt from the UC SHIP Plan, your insurance plan must meet the following criteria:
- Must provide primary care within 30 miles of campus (or your address while attending UCR).
- Cannot limit the amount it will pay for any injury or illness you have during your lifetime
- Cannot have a pharmacy deductible greater than $250 per year
- Cannot require you to pay out-of pocket more than $6,350 per year
- Cannot have a clause that excludes a pre-existing condition
- International Plans
- no reimbursement plans accepted
- must have claims office in the United States
If your plan meets the criteria and you would like to waive SHIP, submit an online waiver form by the appropriate deadline. You only need to submit one per year. There is a $50 fee for late forms. Forms will not be accepted after the first day of instruction.
- Fall Quarter (June 1 - September 12)
- Winter Quarter (November 1 - December 12)
- Spring Quarter (February 1 - March 12).
New Location: Student Health Insurance Office
The Student Health Insurance Office is located in the Student Health Services building. Many of the services that we provide will be managed through email, fax and telephone. For consultation, please call 951-827-5683.
New Annual Federal Reporting Requirement
Student health care plans are required to report to the IRS the name, address, and Social Security Number (SSN) of plan members, including covered students and dependents, to verify coverage during the calendar year. Learn more
Get answers to common SHIP questions.
- What is SHIP?
SHIP is the abbreviated name for the "Student Health Insurance Plans."
- What is GSHIP?
GSHIP, the Graduate Student Health Insurance Plan, is the medical health insurance plan offered by UCR to all registered graduate students. All UCR graduate students are automatically enrolled in GSHIP when they pay their UCR registration fees each term. Students who are enrolled in an adequate private medical insurance plan may waive out of GSHIP.
- What is USHIP?
USHIP, the Undergraduate Student Health Insurance Plan, is the medical health insurance plan offered by UCR to all registered undergraduate students. All UCR undergraduate students are automatically enrolled in USHIP when they pay their UCR registration fees each term. Students who are enrolled in an adequate private medical insurance plan may waive out of USHIP.
- How can I enroll in the SHIP Plans?
GSHIP: Enrollment in GSHIP is exclusive to UCR graduate students who pay full registration fees. There is no enrollment process. Graduate students are automatically enrolled in GSHIP when they pay registration fees each term.
USHIP: Enrollment in USHIP is exclusive to UCR undergraduate students who pay full registration fees. Undergraduate students are automatically enrolled in USHIP when they pay registration fees each term.
- How can I enroll my eligible dependents in the SHIP Plans?
If you wish to enroll your eligible dependents, you can call Ascension at (800) 537-1777 or enroll online at www.4studenthealth.com/ucr. Eligible dependents include:
- Your legal spouse (if you are not legally separated).
- Your domestic partner (requires a signed and notarized Affidavit of Domestic Partnership that must be submitted upon request).
- Your (or insured dependent domestic partners) unmarried natural, adopted children, or children placed with you pending adoption, to age 19 who are dependent on you for most of their financial support.
- You (or insured dependent domestic partners) unmarried natural, adopted children, or children placed with you pending adoption, to age 23, if they are full-time students at an accredited school and dependent on you for at least 50% of their financial support.
- Will my need-based financial aid pay for my SHIP Coverage?
The annual cost of the mandatory Undergraduate Student Health Insurance Plan (USHIP) of $1392.00 ($464.00 per quarter) or comparable off campus insurance, will be factored into grants, loans and work-study programs offered to students who receive financial assistance.
- What are the SHIP enrollment deadlines?
- Fall Quarter: October 23, 2014
- Winter Quarter: February 1, 2015
- Spring Quarter: April 25, 2015
- Enrolling a New Spouse/Newborn Child: Must be enrolled within 30 days of marriage or birth, or wait until the next open enrollment.
- When does SHIP coverage begin and end?
The Effective Date of Coverage for mandatory SHIP (GSHIP and USHIP) is the first day of the term if the registration fees (including the SHIP fee) have been paid before the last day of the term. Mandatory SHIP (GSHIP and USHIP) terminates when your SHIP expiration date passes and fees have not been paid by the last day of the term.
- The coverage dates are:
Fall: September 23, 2014 through January 1, 2015
Winter: January 2, 2015 through March 25, 2015
Spring: March 26, 2015 through September 20, 2015
- The coverage dates are:
- Is SHIP "free" for TAs (Teaching Assistants) and RAs (Research Assistants)?
If your TA or RA appointment hours are 25% or more, your SHIP fee is covered by your department. However, if you waive out of SHIP (even if you do so prior to your TA appointment for the term), the department will not pay for SHIP until the next term.
- How do I appeal a denied waiver?
To appeal a denied waiver, email a copy of your insurance ID card (front and back) to email@example.com or fax to (951) 827-7171. Please include your first and last name and your student ID number.
- How much do the SHIP plans cost?
See the following rate schedules:
GSHIP Quarterly Rates Dental and Vision Graduate Student $ 987.00 Aetna Dental and Vision Included in Premium Adult Dependent (Spouse, domestic partner) $ 1901.00 Aetna Dental and Vision Included in Premium Child(ren): $ 1647.00 Aetna Dental and Vision Included in Premium
USHIP Quarterly Rates Dental and Vision Undergraduate Student $ 464.00 Aetna Dental and Vision Included in Premium Adult Dependent (Spouse, domestic partner) $ 1892.00 Aetna Dental and Vision Included in Premium Child(ren): $ 1635.00 Aetna Dental and Vision Included in Premium