Health Insurance for Graduate Students

The University of California Board of Regents has established a requirement that all graduate students have major medical health insurance as a non-academic condition of enrollment. UCR offers a Graduate Student Health Insurance Plan (GSHIP) to meet this requirement or it may be met by a comparable private health insurance plan.

The annual cost of the mandatory Graduate Student Health Insurance Plan (GSHIP) of $4,574.01 ($1,524.67 per quarter), or the cost of comparable off-campus insurance, will be factored into grants and loans offered to students who receive financial assistance.

Students already covered by adequate health insurance can waive the requirement by completing the waiver application.

Note: Access to SHIP benefits off-campus requires a SHS referral except in cases of urgent care, emergency care care by a pediatrician or obstetrician for maternity care, or care outside of a 50-mile radius from campus.

If you are a graduate student and would like further information regarding your graduate student health insurance, please contact the Graduate Student Association or visit its GSHIP webpage.

Benefits at a Glance

Note: Please refer to the benefits booklet for a full description of benefits.

  • No lifetime maximum (off-campus benefits payable at 90%)
  • $200 annual deductible (off-campus providers)
  • No preexisting condition clause
  • Hospital coverage and outpatient surgery
  • Office visits coverage (no co-pay on-campus and $17 co-pay for off-campus PPO specialty providers)
  • No prescription benefit maximum (30-day supply per prescription); $5 co-pay on-campus and off-campus for generic prescriptions
  • Surgery coverage, including anesthetist and assistant surgeon (PPO provider 90%)
  • $100 copay for emergency room coverage
  • Ambulance coverage ground (10%) and air transport (covered 100%)
  • Laboratory coverage (no co-pay on-campus, i.e., PPO provider covered at 90%)
  • Radiology coverage PPO provider covered at 90% (no radiology services on campus at this time)
  • Physical therapy co-pay of $15.
  • Nervous and mental conditions office visits $17 co-pay
  • Repatriation benefit of $25,000 in accordance with federal J-1 visa requirements
  • Medical evacuation benefit of $50,000 in accordance with federal J-1 visa requirements
  • Benefits payable at 90% at Anthem Blue Cross network facilities; out-of-network payable at 60%
  • Medical coverage is administered by Anthem Blue Cross
  • Dental coverage is administered by Delta Dental
  • Vision coverage is administered by Blue View Vision Insight

Learn more about your Anthem Blue Cross in the benefits booklet or by visiting the Anthem Blue Cross website. Visit the Dental Care and Vision Care webpages to learn more about those benefits.

We want you to get the most out of your pharmacy plan. Learn how using OptumRX can help you manage your pharmacy plan and save money on your prescriptions. Get the most out of your pharmacy plan by reviewing the Prescription Drug Plan booklet.

NOTE: UC SHIP is secondary to all other programs. For answers to questions about enrollment, policy benefits, and claims, call (951) 827-3031. Use the Sydney Health App to access your plan coverage and insurance cards.

Specific claims information can be obtained by calling SHS at (951) 827-3031.

Visit SHIP to view brochures and obtain more information.


Student Health Lab Hours

Mon, Tue, Wed, Fri: 8 a.m.–5 p.m.

Thu: 9 a.m.–5 p.m.

*SHS Last routine appointment scheduled is at 4:15 p.m.

Pharmacy Hours:
Mon, Tue, Wed, Fri: 8 a.m.–5 p.m.
Thu: 9 a.m.–5 p.m.

*Lab Hours:
Mon, Tue, Wed, Fri: 8 a.m.–5 p.m.
Thu: 9 a.m.–5 p.m.

*LAB Last walk-in for services is at 2:45 p.m.

Closed on weekends and UCR holidays.


Feeling unwell when we are closed? UC SHIP offers virtual consultations via LiveHealth Online, accessible on your smartphone, tablet, or computer at There is a $25 copay for medical appointments, no copay for behavioral health, and no referral needed.