|Am I Eligible to Waive SHIP Enrollment?
||You must have comparable
health insurance coverage in order to waive SHIP.
See what SHIP covers.
|I Have Insurance - Why Do I Need SHIP?
- While all Berkeley students have access to services at UHS-Tang
Center, students with SHIP pay 10% of any fees at the time of
service and UHS bills SHIP for the remaining 90%.
- UHS will file claims only for SHIP members. If you have another plan,
you must pay UHS fees for services, file a claim with your plan,
and wait for reimbursement.
- Many HMO and PPO insurance plans will not cover fees for services
provided at UHS. For example, a student without SHIP has a sports
injury and comes to UHS. There will be an office visit copay,
plus possible additional fees for an x-ray and any supplies, such
as a splint or sling. Many HMO and PPO plans will not pay for
the x-ray and supply charges because UHS is a non-network provider for all HMO and PPO plans.
- Many HMO and PPO plans require you to use a service provider
within their network. Check to see if your plan's network includes
providers in the Berkeley area, and that those providers are
accepting new patients (many may not). The nearest Kaiser facility
is 7 miles from campus, in downtown Oakland.
- Many HMO and PPO plans provide worldwide coverage only for
emergencies. When students move to Berkeley from outside the
Bay Area, travel to visit family or friends, or study abroad,
routine care may not be covered.
- SHIP is a group plan, comparable in benefit levels to group
plans provided to employees by employers. Individual plans,
purchased directly from an insurance company by people who do
not have access to a group plan, often cost more and provide
|Why Have Dual Coverage?
||For the reasons listed above, we recommend students keep SHIP,
even if they have another plan. Because SHIP coordinates benefits with your primary plan, dual coverage results in lower
out-of-pocket costs during the school year. Students also appreciate
the convenience of on-campus care. Students who waive SHIP their
first year at Cal sometimes struggle to coordinate care on their own.
|How to Compare
SHIP to Other Plans
||Compare carefully the cost, benefits, and limitations of your
plan to SHIP. In general, we recommend you compare the following:
- Cost of the plan
- Deductibles, co-pay amounts and co-insurance amounts
- Annual and lifetime maximum amounts for covered services
- Scope of services covered as well as any limitations
- Service area (will your plan cover care provided in the Berkeley
Our Health Plan Comparison Worksheet can help you compare the medical, mental health, dental and vision benefits
of SHIP to your plan. You may also find the Glossary
of Insurance Terms helpful.
The Fall 2013 waiver deadeline is July 15, 2013. Your waiver must be received July 15 by midnight to avoid a late waiver fee of $50. All waivers received between July 16 and September 15, 2013 will be subject to a late fee of $50. No waivers will be accepted after September 15, 2013.
Please note that students who have waived SHIP enrollment for
Fall 2013 will be automatically waived for Spring 2014.
|To Continue, Choose an Option
- I've decided to waive SHIP
- Our online waiver application is administered by Wells Fargo Insurance Services.
- To complete the online SHIP Waiver Request, 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 identification number, and the name of a Bay Area health care facility covered by the plan.
Please complete this worksheet (PDF) to ensure you have all the information you need to complete the online waiver. You will only have 15 minutes to complete the process online. If information is incomplete or inaccurate, your waiver application will be denied.
- After you have completed your worksheet, visit the online waiver page to complete your online waive.
- If your waiver application is denied, please follow the instructions provided in the waiver application.
|| Have a question? See Frequently
Asked Questions About Waivers or call the Student Health Insurance
Office at (510) 642-5700.