Health Insurance for Dependents of Students
Choosing the right plan for your family is an important decision. University Heath Services (UHS) can help you learn about and get connected to health coverage for your family. Families have a choice of health insurance plans, including marketplace exchange plans (federal and state such as Covered California), individual commercial insurance plans, publicly supported plans, and non-profit community-based plans. See below for contact information or contact our free Student Insurance Helpline.
Voluntary Dependent Plan for UC Berkeley Students
SHIP no longer offers the SHIP voluntary plan for dependents. Please use our free Student Insurance Helpline service to find out what options are available for your family. Learn more about the decision to end the voluntary plans in our Daily Cal Op-Ed and see our newly released Q & A page here providing facts on why the decision was made.
Resources to help with the transition
We now offer two new services for those impacted: a new Transition Assistance Fund, and onsite individualized help through the SHIP office. Find out more here.
|Selecting a Plan||The major carriers in California — including Aetna, Anthem Blue Cross, Blue Shield of California, Kaiser, and Health Net — offer many plans with different combinations of premiums, deductibles and benefits (see definitions below).Please Note: This site is provided as a service to students. It is not meant as a University endorsement of any insurance company, plan or broker. The information provided is a summary only and is subject to change. Contact the insurance company or a broker for additional plan details and the most current information about eligibility and benefits.|
Private Insurance Companies:
|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.|