Health Insurance for Undergraduate Students

Mandatory Health Insurance

The University of California Board of Regents requires that all undergraduate students have major medical health insurance as a non-academic condition of enrollment. UCR offers the Undergraduate Student Health Insurance Plan (USHIP). This requirement can also be met by a comparable private insurance plan.

The annual cost of the mandatory USHIP coverage of $2,090.22 ($696.74 per quarter), or the cost of comparable off-campus insurance, will be factored into grants, loans, and work-study programs offered to students who receive financial assistance to students already covered by adequate health insurance can waive the requirement by submitting the waiver form to Academic Health Plans, our health plan administrator.

Note: Access to UCSHIP 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.

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 available 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

Anthem Blue Cross and Dignity Health Contract End Date:

The contract between Anthem Blue Cross and Dignity Health terminated effective July 15th, 2021.

As of July 16th, 2021, Dignity Health Hospitals and Medical Centers are considered out-of-network.

Please note that out-of-network benefits will apply as follows:

  • Deductible amounts are higher for out-of-network care
  • Claims for services received will be processed at the out-of-network coverage tier
  • Higher out-of-network co-insurance rates, except for pre-approved transition assistance services, will be the patient's responsibility
  • The patient may be responsible for the balance of costs above the allowed amount for care received from out-of-network providers
  • Members may go to any hospital for emergency services, including Dignity Health.

If a UC SHIP member is currently undergoing a course of treatment or have a current authorization for health care services, they may be eligible for transition assistance to ensure continuity of care.

UC Ship members may contact Anthem Blue Cross UC SHIP Customer Service at 866-940-8306 or to anthem.com/ca for any questions about continuity of care, benefits or for assistance in finding providers. For a list of impacted Dignity Hospitals along with nearby alternative hospitals, please see Dignity Health Alternate Hospital List.

Learn more about your Anthem Blue Cross benefits booklet or by visiting the Anthem Blue Cross website. Visit the Dental Care or 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: UCSHIP is secondary to all other programs. For answers to questions about enrollment, policy benefits, and claims, call (951) 827-3031. Use the Syndeny Health App to access your plan coverage and insurance cards.

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


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 livehealthonline.com. $25 medical appointment copay, no copay for behavioral health, and no referral needed.