- Why did I get charged for a "health insurance fee" on my CARS statement? I didn't ask for health insurance.
- What do I do if I already have health insurance and I don't need the insurance offered by UC Berkeley?
- What are the requirements for waiving SHIP?
- How do I apply for a waiver?
- What are the deadlines for submitting a waiver?
- What option do I have if my waiver is denied?
- I submitted a waiver but it hasn't appeared on my E-Bill.
- Do I have to submit a separate waiver every semester?
- I submitted a waiver for the academic year and received the credit for fall semester,but not for spring semester. What should I do?
- I submitted a waiver but now I no longer have other insurance. How can I get covered under the Student Health Insurance Plan?
- If I waive SHIP can I still use University Health Services at the Tang Center?
- I have a problem with my waiver. Who can I talk to about it?
Why did I get charged for a "health insurance fee"
on my CARS statement? I didn't ask for health insurance.
As approved by a vote of Berkeley students, and ratified by the UC Regents, it is an enrollment policy that all students must be covered by major medical health insurance while attending UC Berkeley. All students are automatically enrolled in the Berkeley Student Health Insurance Plan (SHIP) and charged a health insurance premium (SHIP fee) as part of their registration fees.
What do I do if I already have health insurance
and I don't need the insurance offered by UC Berkeley?
If you have other major medical health insurance comparable to SHIP and don't wish to have dual coverage, then you can submit an online Health Insurance Fee Waiver form to waive your enrollment in SHIP and receive a credit for the health insurance fee.
In order to waive SHIP, you must be enrolled in a private medical health insurance plan that meets ALL of the following requirements:
- You must be enrolled in a medical health insurance plan through a recognized company that has a claims office in the U.S. Foreign insurance plans with U.S. affiliates/representatives, travel insurance plans and reimbursement programs of any kind do not qualify, including reimbursement arrangements or vouchers from home governments or their U.S-based consulates.
- Your private insurance plan must provide:
- Guaranteed enrollment (no pre-existing condition limitations)
- Must cover at least 80% co-insurance
- An annual out of pocket maximum of $6,350 or less
- Medical care (other than emergency services) within 30 miles of UC Berkeley
- Hospital stays for all medical, surgical and mental health conditions without limitations
- Doctor office visits for medical and mental health conditions
- Medications prescribed by a doctor, including contraceptives
- Medical services related to injury or illness caused by alcohol or drug use
- Medical services related to injury from participation in all types of sports, excluding intercollegiate sports
- Coverage per injury or illness must be unlimited
- An annual prescription drug deductible of not more than $250, whether as part of the annual deductible or as part of a pharmacy deductible
- Prenatal care without pre-existing limitation
- Diagnostic services including laboratory tests
- Preventive health care services, including an annual physical exam, preventive immunizations and laboratory tests to help determine your state of health
- International students must meet these additional requirements to be eligible for waiving:
- Medical insurance policy, benefit summary, and other plan materials written in English
- Claims payment office with a physical address in the United States
- Benefits in your health insurance plan expressed in U.S. dollars
- Plan covers at least $10,000 for a Medical Evacuation
- Plan covered at least $7,500 for Repatriation of Remains
How do I apply for a waiver?
An online waiver application is available for Berkeley students. To complete the form, you will need an active CalNet ID and details about your health insurance plan, including the company name and phone number, group number, the student's policy identification number, the policy holder's relationship to the student, and the summary of benefits. Please use the waiver worksheet (PDF) to gather this information in advance of using the online waiver tool. You will receive a confirmation number upon completion of the form. Print this page for your records.
What are the deadlines for submitting a waiver?
The Fall 2014 waiver period is May 1 - July 15, 2014. Your waiver must be received by July 15, 2014 to avoid a late waiver fee of $50. All waivers received between July 16 and September 15 will be subject to a late fee of $50. No waivers will be accepted after September 15, 2014. See updated waiver information here.
If you need help determining whether or not you need to waive SHIP, click here.
- The waiver form was not completed correctly, or is incomplete.
- Your commercial or government-sponsored insurance does not meet the required minimum health insurance benefit levels established by UC Berkeley.
- Your waiver form was submitted after the deadline.
If your waiver application is denied, please follow the instructions provided on the waiver application. The decision to deny waivers submitted after the deadline or due to the inadequate benefit level of your health insurance plan is final, and you will be automatically enrolled in SHIP.
I submitted a waiver but it hasn't appeared on my
If you submit your waiver form by the July 15 deadline, the SHIP fee will not appear on your first E-Bill statement of the Fall semester. If you submitted your waiver form after July 15 but before September 15, you will see a credit for the SHIP fee on the August or September E-Bill however there will be a late waiver fee of $50.00 applied to your account that you must pay. Please wait until you have received this E-Bill before calling the Student Health Insurance Office about your waiver.
Do I have to submit a separate waiver every semester?
Academic-year waivers submitted in the spring and summer cover both the following Fall and Spring semesters. In October, your Fall semester waiver will be transferred automatically to Spring semester. The credit will appear on the E-Bill sent to students in December.
If you submitted a waiver for the Spring semester only, then the following Fall you must submit an academic-year waiver in order to continue to receive the health insurance fee credit. Spring waivers are only good for the Spring semester.
I submitted a waiver for the academic year and
received the credit for Fall semester, but not for Spring semester.
What should I do?
Contact the Student Health Insurance Office at (510) 642-5700. It is helpful if you have your waiver confirmation number on hand when you call.
I submitted a waiver but now I no longer have other
insurance. How can I get covered under the Student Health Insurance
Click here to download the Waiver Reversal Request form or contact the Student Health Insurance Office at (510) 642-5700 to request one.
If I waive SHIP can I still use the University
Health Services at the Tang Center?
Yes, all registered UCB students can be seen at the University Health Services, regardless of the type of insurance they have.
I have a problem with my waiver. Who can I talk
to about it?
Contact the Student Health Insurance Office at (510) 642-5700, email your questions to email@example.com, or, currently enrolled students can send a secure message to the SHIO office via the eTang patient portal.