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Student taking 9 or more credit hours will be automatically enrolled in SHIP every Fall and Spring semester if they do not complete an Opt-Out Waiver form.
If you fall below 9 credit hours before census date, the charges for the insurance will be automatically removed, and you will not have coverage for that semester.
Spring semester coverage is 7 months of coverage, whereas Fall is 5 months of coverage.
Only if you are a Graduate student taking 6-8 credits, or it’s your last semester before graduation and you are enrolled in under 9 credits. This step requires additional paperwork and must be submitted by the deadline. Detailed information on Special Coverages.
If you are new to MSU Denver and attending for the first time, or were not on the Spring semester Student Health Insurance Plan, you qualify for SHIP by taking 9 credit hours or more (6 if a graduate student) over the summer semester. Summer is the only semester the SHIP charge cannot be automatically charged to tuition, you must voluntarily opt-in by completing the enrollment form found on the Special Coverages webpage and paying the premium to the MSU Denver Student Insurance office.
Coverage begins the first day of the semester and ends the day before the next semester starts. The first 4-6 weeks of the semester you will not show having coverage at the insurance company, that is because the University deadline to enroll is 2 ½ weeks after the start of the semester. If you need medical services outside of the Health Center at Auraria during the first 4-6 weeks of the semester, contact the MSU Denver Student Insurance office to be activated right away at the insurance company. This will take up to 48 business hours to show as active.
Yes, SHIP is made up of two levels of benefits, Tier 1 and Tier 2. There is a deductible associated with each tier. Both Tiers 1 and 2 require the student to pay a separate deductible. More information about the tier deductibles can be found on Coverage Dates, Premiums & Deadlines.
Prescriptions have a separate deductible from the medical deductibles. All deductibles start over at the beginning of every Fall semester.
The plan’s out-of-pocket maximum is $7,100 per insured person, per policy year.
Yes, Mental Health Services are a covered benefit. You can either make an appointment with a mental health provider at the Health Center at Auraria with 100% coverage for all medical and mental healthcare services or see a provider within the Network. When you choose a Network Provider keep in mind deductibles may apply.
Yes. Students taking 9 or more credits who experience a loss of coverage due to changing jobs, aging out, etc., and if it’s within 30 days of that termination period, may enroll on SHIP by providing a Certificate of Coverage letter to the MSU Denver Student Insurance office.
After the University deadline, students will be enrolled automatically. Once enrolled, you can create an online insurance account to access your medical card or plan materials, view coverage information, check claim status, submit online forms and locate a provider and/or pharmacy.
The 1095-B Tax Form is available after January 1st under your online insurance account.
Yes, students enrolled in SHIP can download the “UHC StudentResources” mobile app from the Apple Store or Google Play.
Yes, SHIP gives you nationwide around the clock access to board-certified physicians via phone or video chat. There is no consult fee for insured students.
Being on SHIP offers students emergency care while traveling. In addition, there’s the travel assistance program that provides access to doctors, hospitals, pharmacies and other services when faced with a travel or medical emergency while traveling 100 miles or more from your permanent residence or abroad. The program also provides emergency and natural disaster assistance services when you are outside of your home country.
Additional SHIP Resources
Health Center at Auraria Services
Medical and Mental Healthcare Services available at the Health Center at Auraria.
Your main health insurance portal.
Commonly asked questions on the UnitedHealthcare website.