All students registered for 9 or more credit hours will be automatically enrolled in SHIP every Fall and Spring semester . Students with compliant health insurance can choose to opt-out by submitting a waiver form each Fall and Spring semester by the deadline. 

When students fall below 9 credit hours before census date (the 50% refund deadline to withdraw classes), the health insurance charge is automatically removed from tuition. Students who either register for 8 credits or less or drop below 9 credits, before the 50% refund census deadline, will not be enrolled on SHIP for the semester. 

If withdrawing from classes after census deadline, and tuition shows billed for 9 credits or more, the health insurance charge is not removed, and you will remain enrolled on SHIP for the 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 5 weeks of the Fall or Spring semesters 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 using the Health Center at Auraria during the first 5 weeks of the semester, please contact the MSU Denver Student Insurance office as soon as possible to be manually activated at the insurance company. Activation of coverage can take 24 to 48 business hours. After 5 weeks into the semester, enrollment will be fully loaded with the insurance company for verification of coverage.

Yes, SHIP is made up of two levels of benefits, Tier 1 and Tier 2 benefits. 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 Ship Benefits. 

Yes, the prescription benefit has copays by tiers – Tier 1 $25, Tier 2 $50, and Tier 3 $75. More information about all benefits can be found on the Ship Benefits page. 

The plan’s out-of-pocket maximum is $7,950 per insured person, per policy year from August to August. Once the out-of-pocket amount is met, the plan will pay at 100%.

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.

If you are under the age of 19 year old the student plan policy includes dental and vision, but only up to the age of 19. The insurance company does offer students voluntary Dental and Vision for those 19 and over. Information on how to enroll can be found through the SHIP online benefits account at MyAccount.

Other resources through the University include Assurant Dental Care Plan,  Connect for Health Colorado Marketplace, or check out the dental resource page.  

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.

 With My Account login you will have benefit information about your coverage, provider networks, immediate access to view or print your ID cards and access to your claims history, including your explanation of benefits (EOBs). 

 Students will be automatically enrolled after the waiver closes and will receive a welcome letter and invite to to create their My Account from the insurance company.

The 1095-B Tax Form is available after January 1^st under your online insurance account MyAccount.

Yes, students enrolled in SHIP can download the “UHC StudentResources” mobile app from the Apple Store or Google Play. 

Yes, from Healthiest You there is general medicine or therapists available  by phone or video. Login to the My Account dashboard and go to Care Options.

General medicine licensed doctors available 24/7, $0 for members and a discounted rate for non-members. 

Mental health therapists require an appointment and are available 7-days a week, 7 a.m. – 9:00 p.m. Choose a Therapist or Psychiatrist, $0 members or a discounted rate for non-members.

Please access your My Account benefits dashboard and select 

UnitedHealthcare enrolled students who require support during their travels of 100 miles or more can use UHC Global travel assistance services for any medical or travel-related concerns or emergencies.

All services must be arranged and provided by UHC Global by using Reference Number 355751 .

To contact UHC Global, please call 1-877-461-2273

Email: [email protected]