The Student Health Insurance Office at UC Berkeley offers insurance workshops twice a year at the beginning of each semester. These workshops provide a general overview of the individual health insurance market for adults and children.
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 individual commercial insurance plans, publicly supported plans, and non-profit community-based plans. See below for contact information.
See box at right for upcoming workhops-->
Dependent Plan for UC Berkeley Students
SHIP offers a dependent health insurance plan for spouses, partners and children of UC Berkeley students enrolled in Berkeley SHIP. This plan is a comprehensive major medical Aetna insurance plan, providing medical, counseling, and prescription services; see more details here.
Enrollment period for SHIP Voluntary Plan: Fall semester enrollment period is July 15-September 15 with an effective coverage date of August 15 and Spring semester enrollment period is December 15-February 15 with an effective coverage date of January 15.
Dependent coverage is available only if the student is also enrolled in UC SHIP. Dependents will be enrolled for the same eligibility period the studnet is enrolled (Fall: 8/15-1/14; Sping:1/15-8/14) within 30 days of a qualifying event. This is limited term coverage only. Coverage will end on the last date of the specified eligibility period, unless enrolling to continue insurance for an additional term. Premiums are calculated based on the plan term and will not be pro-rated (monthly premiums are not available).
|Selecting a Plan||The major carriers in California — including 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.
Barney and Barney LLC
PPO and HMO insurance companies:
Major Risk Medical Insurance Plan
Pre-Existing Condition Insurance Plan
Other Insurance Plans in California:
|Premium||The rate you pay to be enrolled in an insurance plan, usually monthly.|
|Co-pay||The fixedamount of money you need to pay out-of-pocket for services in addition to insurance carrier payment. Note that some lans may not pay for some services until you meet your deductible|
|Coinsurance||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.|
|Deductible||The initial, fixed amount of money you need to pay out-of-pocket the insurance carrier will pay for medical services.|
|Out-of-Pocket Maximum||Limit to dollar amount you have to pay out of your own pocket for covered health care services during set time period, e.g., yearly.|
|PPO||Preferred Provider Plan. A plan in which you have direct access to providers in the plan network, as well as other providers at a higher cost.|
|Preferred, Participating or In-Network Providers||A group of medical providers (doctors, hospitals and othe rmedical facilities) that contract with an insurance carrier to provide services at a negotiated or contracted rate as full payment for services. Network providers cannot 'balance bill' the insured for the unpaid amount.|
|Covered Expenses (“UCR”)||Expenses are tied to insurer’s fee reimbursement schedule that is based on “usual, customary and reasonable charges” (non-network providers).|
|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.|
|Inpatient||Services rendered in a hospital after you are admitted, typically involving an overnight stay.|
|Guaranteed Issue||A legal requirement that health plans must permit you to enroll in a specific plan regardless of your health status, age, gender, or other factors that might affect your use of health services, such as a pre-existing condition. This means that you cannot be denied insurance because of your prior medical history.|