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.
Health Reform – Affordable Care Act Plans:
|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.|