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Frequently Asked Questions

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UC SHIP: What is it and why does the University offer it?

UC SHIP is a not-for-profit, self-funded student health benefit plan administered by UC Office of the President. UC SHIP was created with a student shared governance model to meet the Regental mandate that all registered students have health coverage as a non-academic condition of enrollment.

How will this help me?

While I’m at school, I may need different kinds of health care —medical, dental, vision—on campus or even in other parts of the world.

Here’s the 411 on your how your health plan works. Let’s break it down into two parts:

  1. The student health center (SHC)

    Each campus has an SHC, a complete outpatient health center for students, providing medical and preventive care, and mental health and substance use disorder services. Many also offer a full-service pharmacy. These facilities may be known by different names on each campus (for example, “Ashe Center” at UCLA or “Student Health and Counseling Services” at Davis, etc). SHC clinicians serve as your family doctor while you’re at school. All registered students may use the SHC, regardless of what type of major medical insurance they have.

  2. The UC Student Health Insurance Plan (UC SHIP)

    UC SHIP offers a range of benefits, including coverage for specialty office visits, prescriptions, diagnostic services, surgery, hospitalization and out-of-area care while traveling, to name a few. The UC SHIP package also includes strong dental and vision benefits and covers most SHC fees.

    Bonus: Students are automatically enrolled through their campus billing account, so there is no paperwork. Students can choose to keep UC SHIP, or waive enrollment if they have coverage that meets the benefit standards established by the university. Most students keep UC SHIP, because it is a comprehensive, affordable plan that covers them 12 months a year, anywhere in the world.

How can I contact someone at UC SHIP?

Contact UC SHIP at:

University of California
Office of the President
1111 Franklin Street
Oakland, CA 94607

Or by email at UCSHIP@ucop.edu

Will I have UC SHIP coverage if I attend UC Berkeley, UC Santa Barbara, or if I am an Undergraduate at UC Irvine?

If you attend UC Berkeley or UC Santa Barbara, your student health insurance coverage is offered by your local campuses and is not part of UC SHIP. If you are an Undergraduate at UC Irvine, your student medical insurance is administered by your local campus and is not part of UC SHIP. Visit your specific campus sites for more information:

Berkeley
University Health Services

Irvine
Student Health Center

Santa Barbara
Student Health Services

When will I receive my form 1095-B?

Generally, 1095-B forms will be postal-mailed by the end of January following the year that is being reported. So, for example, by early February 2018, you will receive your Form 1095-B verifying that you satisfied the “individual mandate” under the Affordable Care Act (ACA) for the 2017 tax year. For more information, visit the 1095-B Proof of Insurance page.

A Quick How-To on UC SHIP

How does UC SHIP work?

For routine care, start at the student health center (SHC) on your campus. When you need medical care, call or visit your campus’s SHC website to make an appointment. On most campuses, the SHC will file claims to UC SHIP, so you don’t have to bother with the paperwork.

If you need services at another health care facility, UC SHIP and the SHC work together to provide a comprehensive health care plan, coordinating the care you need both on and off campus. SHC clinicians will provide a referral for services outside of the SHC, and Student Health Insurance staff will transmit the referral to UC SHIP to ensure your claims are handled accurately.

Except for emergency room and urgent care clinic visits, and visits to pediatricians, obstetricians for pre-natal or maternity care, or gynecologists, all off-campus care must be authorized by the SHC prior to receiving care. For services outside of the SHC, UC SHIP contracts with Anthem Blue Cross to provide access to its extensive network of hospitals and providers, including UC Family facilities and provider groups.

For more information about how UC SHIP works with your campus SHC, or for a list of plan benefits, see the student brochure for your campus.

Except for UCSF spouses or domestic partners, dependents of students are not able to use the SHC, and therefore a referral is not required for these services. 

What's covered under UC SHIP?

For detailed information about what’s covered under UC SHIP, including medical services and conditions, visit the Plan Docs page and view the benefit booklet for your campus.

What is the UC Family network?

UC medical centers and UC provider groups that participate in Anthem Blue Cross' Prudent Buyer network of providers and have agreed to accept UC SHIP's negotiated rates as full reimbursement for services.

When does UC SHIP coverage begin and end?

In general, coverage periods follow the academic terms on each campus. Coverage periods may vary depending on the program in which you are enrolled. You can find enrollment forms on the Eligibility and Enrollment page.

UC SHIP provides 12 months of insurance coverage for continuing students, including coverage during winter, spring or summer breaks.

How much does UC SHIP cost?

Please visit your campus's SHC website to view the cost of UC SHIP coverage.

Waiving UC SHIP coverage

Can I waive enrollment in UC SHIP coverage?

Yes, if you have coverage through a major medical insurance plan that meets the university's minimum criteria for health care. See the Waivers page for more information.

If I waive UC SHIP, can I still use the SHC on my campus?

Yes, all registered UC students can receive care at the on-campus student health center (SHC), regardless of what type of insurance they have.

Please note, however, that fees for services vary by campus, and your SHC may not submit claims to plans other than UC SHIP. You will need to file a claim with your insurer to be reimbursed for the cost of your care at the SHC.

I waived enrollment in UC SHIP for the current term. Do I need to resubmit a waiver for the next term?

You must complete a new application each academic year. Complete the application online during the fall, winter or spring waiver periods. Your waiver will be applied to the full academic year — or the remainder of the academic year, if you apply during the winter or spring terms.

If you waived UC SHIP enrollment in the fall, you do not need to complete another waiver application in the winter or spring term.

I waived coverage for UC SHIP but want to re-apply. How can I do this?

If you waived enrollment in the prior coverage period and want to re-apply for UC SHIP, you must show proof of loss of the plan that you waived. Proof of loss means an official letter of termination from the insurance carrier. You must contact your SHC and request enrollment into UC SHIP.

Getting health care

If I am enrolled in UC SHIP, can I go to any doctor I want?

Each on-campus student health center (SHC) is the primary care provider for students enrolled in UC SHIP. This means that unless you need urgent or emergency care when the SHC is closed, or you need to see a pediatrician, obstetrician for pre-natal or maternity care, or gynecologist, you should see an SHC clinician when you need medical attention or preventive care. If possible, try to see the same doctor or nurse practitioner for each visit. Knowing your clinician makes visits more comfortable and helps ensure the best outcome each time.

If you need a service not offered at the SHC, your clinician will refer you to an off-campus health care provider. The SHC will provide you with a referral to see the off-campus provider. This is not a guarantee of payment and your deductible, copay or coinsurance will apply. Your SHC clinician may suggest a specific provider, or you can choose a provider. However, we strongly recommend that UC SHIP members see providers who belong to the Anthem Blue Cross Preferred Provider Network, including UC Family providers. Using the UC Family and Anthem Blue Cross network ensures UC SHIP members will pay the lowest out-of-pocket costs.

Can I use my UC SHIP at other UCs?

The student health center (SHC) at each University of California campus gladly offers reciprocal access to currently registered students from all other UC campuses under the same conditions that apply to its own students. If you visit an SHC at another campus, you may need to pay out of pocket and be reimbursed for any services you receive. Please check with the SHC you plan to visit for more information about fees and filing claims to UC SHIP.

Is UC SHIP coverage the same for all campuses?

All UC SHIP participants have access to the same core coverage and plan features, including:

  • 24/7 coverage across the state, nation or globe
  • Free routine physicals, including well-woman care and well-man care and no-cost immunizations
  • Referrals to specialists and the UC Family discount
  • Access to the on-campus SHC for most health care needs, such as primary care doctor’s office visits, checkups, and vaccinations.

Some plan features, such as copays, deductibles, and out-of-pocket maximums, may vary across campuses. View the student brochure for your campus for details.

Are there deductibles with UC SHIP?

Yes, a plan year deductible applies for most medical services accessed outside of the student health center (SHC). Visit the At a Glance page to check your plan's annual deductible level. This deductible does not apply to services with fees at an SHC, to emergency or urgent care clinic visits for students, or to pharmacy claims. The plan year deductible does not apply to UC Family services for some UC SHIP campuses.

Is there an annual limit to my out-of-pocket payments?

Yes. Each UC SHIP campus has its own out-of-pocket limits, depending on where you access care, so check your plan brochure. Medical and pharmacy copayments apply toward the out-of-pocket maximum as well as coinsurance and the deductible. The lowest out-of-pocket maximum amount applies to expenses from the SHC and in-network providers. You will pay more to reach your maximum if you visit non-network providers. The out-of-pocket maximums accumulate separately for each tier. Once you have met the out-of-pocket maximum, you will not be required to pay coinsurance or medical and pharmacy copayments for covered services for the rest of that plan year. Out-of-pocket maximums do not apply to amounts exceeding stated benefit limits or to amounts for services not covered by the plan.

What if I need emergency care?

You don’t need authorization from the student health center (SHC) for visits to an emergency room or urgent care clinic. Simply provide the facility with your Anthem Blue Cross Card ID card. Claims provided to Anthem Blue Cross will be processed according to UC SHIP’s benefits.

UC SHIP provides 100% coverage of allowed charges for emergency room services after a copayment, and 100% coverage of urgent care center allowed charges after a specified copayment. If Anthem Blue Cross determines that the reason for the visit was not an emergency, the coverage of the charges will be reduced. The annual deductible does not apply to emergency room or urgent care center visits. If you are admitted to the hospital, UC SHIP will cover a percentage of inpatient charges, and the emergency room copayment will be waived. Visit the My Coverage page and download your plan brochure to view the benefit levels, copayments and coinsurance for your campus. All follow-up care must be authorized in advance by the SHC.

What if I need medical care outside California?

While traveling in the United States, you will pay less out of pocket for care when you use a Blue Cross network provider. You can locate a Blue Cross network provider in any state on the Anthem website. UC SHIP benefits levels are the same throughout the United States.

UC SHIP provides worldwide coverage. Emergency or urgent care does not require a referral from the student health center (SHC); you should seek care from the nearest emergency room or urgent care clinic. Please note that referral requirements still apply for non-urgent care when you are away from campus. Please contact your SHC for information on how to obtain a referral.

While traveling abroad, you will likely have to use a non-network physician and pay out of pocket for care, then file a claim to UC SHIP for reimbursement. Anthem contracts with facilities in more than 200 countries worldwide. Your Anthem coverage through UC SHIP covers most out-of-network care at 60% of Customary and Reasonable (C&R) charges (emergency care is covered at 100% of C&R charges). You will pay any amount above the allowed percentage of C&R charges. Benefits provided abroad are coordinated by BlueCard Worldwide.

In addition to UC SHIP, the University provides a travel accident policy for students traveling on University business. The travel policy is provided at no additional cost to the students.

I'm participating in the Educational Abroad Program. Do I need to enroll in UC SHIP?

Yes, all students participating in the Educational Abroad Program are required to enroll in UC SHIP, unless they have waived coverage.

I received a bill for a medical visit. What now?

Contact Anthem Blue Cross with any questions about bills you receive for services outside the SHC.

Where can I find my insurance policy number?

You can find your policy number and more on the free StudentHealth app. Download the app for Android devices from Google Play or for iOS devices from iTunes.

I need to purchase birth control while I'm on vacation. How can I make sure this is covered?

Please contact the student health pharmacy on your campus, if available. If you do not have a pharmacy, contact Optum Customer Service at (844) 265-1879.

Taking part in UC SHIP

Can I enroll my dependents in UC SHIP?

Yes. If you’re covered by UC SHIP you can enroll your eligible dependents in the same medical, dental and vision coverage you have for yourself during the enrollment period. For more information about the cost of UC SHIP for dependents, and for enrollment information, see Eligibility and Enrollment.

I'd like an easy way to print info on UC SHIP coverage. Where can I do that?

Visit the My Coverage page for a printable brochure that provides an overview of UC SHIP coverage for your campus.

Will my UC SHIP coverage continue after I graduate?

If you are graduating, your coverage continues through the day before the next academic term begins. However, if you graduate during spring term, your coverage continues through the summer up to the start of fall term.

It is important to plan ahead for continuing health coverage. Graduating students may purchase UC SHIP for one additional term after coverage ends if they were enrolled in the plan during their final academic term. You must call Wells Fargo Insurance Services Customer Care at (800) 853-5899 before the additional term begins to purchase coverage for that time period.

How do I update my address on file with UC SHIP?

To update your address, please visit the SHC website for your campus and contact the University Registrar.

I'm voluntarily enrolling in UC SHIP and my banking information has changed. How do I update my records?

If you are enrolling voluntarily in UC SHIP and your banking information has changed, please contact Wells Fargo Insurance Services Customer Care at (800) 853-5899 to update your records.

Download the StudentHealth App for Your ID Card and More

What is the StudentHealth App?

StudentHealth is a free app that allows UC SHIP members and their dependents to access plan ID cards and benefits information from their mobile devices. Download it from Google Play or iTunes.

Why do I need the StudentHealth app?

Your member ID card is only available online. You will not receive an ID card through the mail. You need your ID card any time you visit the student health center (SHC) on campus or go to a doctor's office, urgent care clinic, hospital, pharmacy, etc.

Downloading the app now will give you quick access to this and other helpful UC SHIP benefits information whenever you need it.

What can I use the StudentHealth app to do?

Use your mobile device anywhere, anytime to:

  • Present your Anthem ID card when you need care.
  • Decide when you need a referral to a health care provider outside of student health, and link with your SHC to get one.
  • See what your plans cover and what your share of costs will be, if any.
  • Find out how close you are to meeting your out-of-pocket maximums for the year.

Getting the StudentHealth App

How can I get the app?

Download the free StudentHealth app for Android devices from Google Play or for iOS devices from iTunes. Mobile Health Consumer has two apps, one for employees (Mobile Health Consumer) and one for students (StudentHealth). Be sure to download the StudentHealth app.

Will it work on my device?

For iOS devices, you’ll need version 7 or later. Android devices, version 3.0 or later.

What if the app doesn’t work on my device?

You can access the app from a web browser at www.mobilehealthconsumer.com/studenthealth.

What if I am an International Student and my international mobile device does not allow me to download the app?

You can access the app from a web browser at www.mobilehealthconsumer.com/studenthealth.

I downloaded the app, but cannot install it. What can I do?

Verify that your device has enough space/memory by trying to download another app. If that fails too, clear cache, disk space and/or memory on your device. Restart your device. Make sure you are running a supported operating system on your device.

Where can I find my username information?

Click on the Profile link of the Navigation Menu. Your username is typically firstname.lastname.

How do I change my StudentHealth username and password?

On the Navigation Menu, use the Profile link in the Settings Section.

Getting Registered at UCI

If I am a UCI student, how do I register after I download the app?

Follow these steps to register:

  • Click the Register Now link after downloading and opening the app.
  • Enter your first and last name, student ID number and date of birth (mm/dd/yyyy); then go to the next screen.
  • Note the username at the top of the page. You can change it or leave it as it is.
  • Enter the Password and Confirm Password. Click Next button.
  • Confirmation alert gets displayed that you have successfully registered.
  • Log in to the app with your username and password.

Registration Tip

Trouble registering? Try adjusting your input in the “first name” field:

  • First name [space] middle name (ex. Joseph Jayden)
  • First name [space] middle initial (ex. Joseph J)
  • First name [space] middle initial with a period (ex. Joseph J.)

Getting Registered at UCD, UCH, UCLA, UCM, UCR, UCSD, UCSF and UCSC

If I am a student at these campuses, how do I register after I download the app?

Follow these steps to register:

  • Click the Register Now link after downloading and opening the app.
  • Enter your Student ID, First Name, Last Name and Date of Birth. Click Next button.
  • Note the username at the top of the page. You can change it or leave it as it is.
  • Enter the Password and Confirm Password. Click Next button.
  • Confirmation alert gets displayed that you have successfully registered.
  • Log in to the app with your username and password.

Using Your ID Card

How can I see my ID Cards in the app?

On the Navigation Menu, use the ID Cards link in the Benefits Section.

How can I see the details of my UC SHIP plan benefits in the app?

On the Navigation Menu, use the Descriptions link in the Benefits Section.

Can my dependents see their ID cards in the app, too?

You can send an email invitation to your dependents to register to use the StudentHealth app. Enter the dependent’s email address and select the Send Registration Email button. When the dependent receives the email, he/she can click on the link in the email to complete the registration process. Or, a dependent can download the app and select the Register Now link. If using this method to register, the dependent will need to provide the benefits-enrolled student's ID number, along with his/her own name and date of birth.

How do I find out how much I’ve spent out of pocket?

To find how much you’ve spent out of pocket, click the Anthem button from the home page or navigation and follow the links to log into Anthem.com. Log in using your Anthem ID and password.

Can I print my ID card?

If your device has access to a printer, print the ID card the same way you would print anything else from your device. Otherwise, take a screen capture of the ID card. Then, email it to a person or device for printing. Or, access the app from a computer with printer access at www.mobilehealthconsumer.com/studenthealth.

Can Customer Support print my StudentHealth ID card?

No. Customer Support cannot see or print a StudentHealth ID card.

Making Changes

How do I change my password, username, or contact information?

On the Navigation Menu, use the Profile link in the Settings Section.

How do I delete a message from the Notification Center?

Select the Edit button. A check box will appear next to every message. Choose the messages you want to delete. Press the Delete button. Once you delete a message, it is permanently gone.

Getting Help

Who can help me with questions about my benefits?

Anthem Member Services can help: (866) 940-8306

Who can help me with problems using the app?

Please email: support@mobilehealthconsumer.com

Still have questions?

Please contact the student health center (SHC) on your campus. Contact information is located on your campus home page, listed in the left-hand menu bar.

Davis
UC Davis Student Health and Counseling Services

Hastings
Student Health Services (SHS)

Irvine
UCI Student Health Center

Los Angeles
Arthur Ashe Student Health & Wellness Center

Merced
Student Health Services

Riverside
Student Health Services

Santa Cruz
Student Health Services

San Diego
Student Health Services

San Francisco
Student Health & Counseling Services