Students

Health Insurance After Graduation

If you are a student who has graduated this semester, or if you are losing SHIP eligibility because you are no longer a registered student at UC Berkeley, it is important to plan ahead for continuing health coverage.

If your final semester is a spring semester, your last day of SHIP coverage is August 14. If your final semester is a fall semester, your last day of SHIP coverage is January 14.

Insurance After Graduation
The Student Health Insurance Office at UC Berkeley offers a free insurance helpline through our broker Barney & Barney. These insurance professionals can help you make an informed decision about your coverage alternatives. Contact them at the toll-free number (855) 251-9094 or online on the Students Insurance Helpline page.

Contact Information

Health Reform Affordable Care Act Plans:

  • Within California
    CoveredCa.com is California’s health benefit exchange marketplace.  You can use the Shop and Compare Tool to find out if you are eligible for Medi-Cal or subsidies for a variety of plans.  Subsidies are based upon income.
  • Outside California
    Healthcare.gov is the federal health benefit exchange marketplace.  You can select the state you consider your primary residence to find if you are eligible for Medicaid or subsidies for a variety of plans within that state.  Subsidies are based upon income.

Also visit our Health Reform Webpage.

Brokers:


Barney and Barney LLC
  • Barney & Barney LLC, which is the insurance broker for SHIP, can provide personalized assistance to help you make an informed decision on a health plan that meets your needs. There is no fee for using their services. Please call them at 855-251-9094 or email them at InsuranceQA.Berkeley@barneyandbarney.com.
E-Health Insurance
  • E-Health Insurance is a licensed online broker site that allows you to get quotes, compare plans, and apply for health insurance online. Visit E-Health Insurance or call (877) 731-9560.
Mercer Insurance Services
  • The California Alumni Association partners with Mercer Insurance Services, an insurance broker, to offer health insurance services to UC Berkeley alumni, including new graduates. Alumni are able to purchase Short-Term Medical Insurance and Blue Shield plans at discounted rates. Visit Mercer Insurance or call Mercer (888) 560-ALUM.

Private Insurance Companies:

  • Aetna
    Aetna offers "Open Access Managed Choice" high deductible PPO plans for individuals, with optional dental coverage. Visit Aetna or call (800) 217-2386.
  • Anthem Blue Cross
    Visit Anthem Blue Cross or call (800) 777-6000. Anthem Blue Cross offers PPO and HMO plans for individuals and families. Some plans include optional dental and vision coverage.
  • Blue Shield of California
    Visit Blue Shield of California or call (888) 568- 3560. Blue Shield offers PPO and HMO plans for individuals and families. Some plansinclude optional dental and vision coverage.
  • Health Net
    Visit Health Net or call (800) 909-3447. Health Net offers PPO and HMO plans for individuals and families with optional dental and vision coverage.
  • Kaiser Permanente Northern California Region
    Visit Kaiser Permanente or call (800) 488-3590. Kaiser offers both deductible and copayment HMO plans for individuals and families. An optional Dental Assistance Plan is also available. Kaiser has a Child Health Plan for low-income families with children who meet income requirements and are not eligible for government-sponsored programs.

Publicly Supported Programs:

Definitions

Co-Insurance Percentage of fees for services you must pay for a service, in addition to what the plan pays. Note that some plans may not pay for some services until after you meet your deductible.
Co-pay This is a fee charged to a person for Covered Medical Expenses.
Covered Medical Expenses Those charges for any treatment, service or supplies covered by the policy which are not in excess of the reasonable and customary charges; or not in excess of the charges that would have been made in the absence of charge
Deductible The amount of Covered Medical Expenses that are paid by each covered person during the policy year before benefits are paid.
HMO Health Maintenance Organization. A pre-paid health plan in which you must choose a primary care physician who coordinates all your care with providers in the plan network.
Negotiated Charge The maximum charge a Preferred Care Provider has agreed to make as to any service or supply for the purpose of the benefits under the policy.
Non Preferred or Out of Network Care Provider A health care provider that has not contracted to furnish services or supplies at a negotiated charge.
Out-of-Pocket Limit The amount that must be paid; by the covered student and their covered dependents; before Covered Medical Expenses will be payable at 100%; for the remainder of the policy year.  The following expenses do not apply toward meeting the Out-of-Pocket Limit: Expenses that are not Covered Medical Expenses, penalties, expenses for prescription drugs; and other expenses not covered by the policy.
PPO Preferred Provider Organization. A plan in which you have direct access to providers in the plan network, as well as other providers at a higher cost.
Preferred or In-Network Care Provider A health care provider that has contracted to furnish services or supplies for a negotiated charge; but only if the provider is included in the plan directory as a Preferred Care Provider for the service or supply involved and the class of covered persons of which you are a member
Premium The rate you pay to be enrolled in an insurance plan, usually monthly.  The SHIP premium is assessed per semester.
Recognized Charge Only that part of a charge which is recognized is covered.  The recognized charge for a service is the lowest of: The provider’s usual charge for furnishing it; and the charge determined by the plan to be appropriate; based on factors as the cost of providing the same or a similar service or supply; and the manner in which charges for the service or supply are made.

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