SHIP Coverage Dates & Premiums

*The University Health Insurance fee is not automatically charged to students for Summer semester, and it’s optional for new incoming students to enroll onto the University’s insurance plan if taking 9 or more credits.

SHIP Benefit Maximums and Deductibles

Health Center at Auraria Services
Primary Care, Walk-in Care, Telehealth Care, Mental Healthcare: 100% coverage for all medical and mental healthcare services; $20 maximum cost per prescription, no deductible, no co-insurance, no co-payments.*

*Exclusive to SHIP only

Network Benefit Maximum: There is no overall maximum dollar limit on the policy.

Network Out-of-Pocket Maximum: $7,100 per policy year

Policy Tier 1 Deductible: Network PPO:  $500 per policy year (annual), Non-Network PPO: $1000 per policy year (annual) when benefits apply

Policy Tier 2 Corridor Deductible: Additional network $2,500 deductible per policy year, only after Tier 1 network deductible is met and the insurance company has paid $1,500 in covered services.

Prescription Deductible*: $200 per policy year (does not apply to policy deductible)

Tier 1 – $20 Copay per prescription
Tier 2 – $40 Copay per prescription
Tier 3 – $60 Copay per prescription

*Prescription mail order is not currently available. Up to a 31-day supply per prescription.

For a detailed explanation of the Policy Deductibles, view the MSU Denver SHIP Benefit Levels Explained.