Coverage Dates, Premiums & Deadlines

Coverage Dates, Premiums & Deadlines

OFFICE HOURS: Monday – Thursday: 8:00am to 5:00pm Friday: 8:00am to 3:00pm

Coverage Dates, Premiums & Deadlines

Opt-Out Waiver Deadlines

Fall 2020: September 2, 2020 (waiver option closed)
Spring 2021: February 4, 2021 (waiver option closed)

Fall 2021: September 1, 2021 (waivers will be accepted starting July 1st)

Each Fall or Spring semester a student is enrolled in 9 or more credit hours and would like to opt-out of SHIP, they need to complete the online Opt-Out Waiver form.

Healthcare plans must be in effect no later than September 1st to opt-out of the Fall semester and February 1st to opt-out of the Spring semester.

MSU Denver students can find more information on the Domestic Student Health Insurance Requirement.

SHIP Coverage Dates & Premiums
Fall 2020: $1,045August 17, 2020 thru January 18, 2021
Spring/Summer 2021: $1,463January 19, 2021 thru August 22, 2021
Summer 2021*: $627June 7, 2021 thru August 22, 2021

*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.

Opt-In Deadlines for Voluntary SHIP Enrollment

Exclusively for Graduate students taking 6-8 credits, Graduating students taking 8 credits or less, or Summer only students taking 9 or more credits. These students can opt-into SHIP by completing an enrollment form and submitting it to the MSU Denver Student Insurance office by the posted deadlines.

Fall 2020: September 2, 2020 (closed)
Spring 2021: February 4, 2021 (closed)
Summer 2021:  June 22, 2021

Information about the opt-in enrollment process for Graduate Students, Graduating Students, Summer Only Insurance, and Loss of Coverage information can be found on Special Coverages page.

Schedule an appointment

Call 303-615-9999 to schedule an appointment in advance.
Please note there is a failed appointment fee of up to $50.00 for missed appointments or short notice cancellations (less than 24 hours).