Paul Sanchez
The University of California, Irvine (UCI) Student Health Center offers a range of insurance options for its students. All UC students must have medical insurance and are automatically enrolled in the UC Student Health Insurance Plan (UC SHIP). The UC SHIP plan covers many services, including preventive care, at no cost or for a low copay. Additionally, UC SHIP covers gender-affirming care and offers financial protection with an annual limit on out-of-pocket expenses. For services outside the Student Health Center, students may need to pay an annual deductible before UC SHIP shares costs. UCI Health also accepts various HMO, PPO, and Medicare health insurance plans, and students can refer to the UCI website for specific details on accepted insurance carriers.
| Characteristics | Values |
|---|---|
| Insurance accepted | Many HMO, PPO and Medicare health insurance plans |
| Insurance name | UC SHIP (UC Student Health Insurance Plan) |
| Insurance provider | Anthem Blue Cross |
| Insurance website | https://myucship.org/ |
| Insurance waiver | Available only if specific waiver criteria are met |
| Insurance coverage | Includes gender-affirming care |
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What You'll Learn
UCI Health accepts HMO, PPO and Medicare plans
UCI Health accepts many HMO, PPO, and Medicare health insurance plans. The specific plans accepted include those listed by UCI Health, however, this list is subject to change. It is always best to call your insurance carrier to verify accepted insurance and coverage.
For UC Irvine students, the UC SHIP plan is available. This plan covers many services, including preventive care, at no cost or for a low copay. If you need care that the Student Health Center (SHC) can't provide, you'll receive a referral for care outside the SHC. Depending on the services you receive outside the Student Health Center, you may need to pay an annual deductible before UC SHIP begins to share costs with you. Once you meet that deductible, you’ll pay coinsurance for services, and UC SHIP will cover the remainder of the cost, up to the maximum allowable amount for that service.
UC SHIP covers gender-affirming care and offers annual limits on out-of-pocket costs, which accumulate together with SHC and Anthem provider costs. After you meet the deductible, the plan will pay a portion of the cost. If you receive any care from an out-of-network provider, you will be responsible for your coinsurance plus any amount above the maximum allowable charges. You’ll always pay more when you receive care from providers who are not part of the UC SHIP or Anthem Blue Cross Prudent Buyer PPO networks.
If you are covered by UC SHIP, you will need a referral from the Student Health Center (SHC) to get care anywhere else, except for emergency room care, urgent care clinic visits, pediatric care, obstetrics services, gynecological care, and LiveHealth Online virtual visits. If you need care during a break when the SHC is closed, you can visit an Anthem Blue Cross primary care doctor without a referral.
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Students are automatically enrolled in UC SHIP
All University of California (UC) students are required to have medical insurance. As a result, registered students are automatically enrolled in the UC Student Health Insurance Plan (UC SHIP). This insurance plan covers gender-affirming care and offers many services at no cost or for a low copay, including preventive care.
Under the UC SHIP plan, students must first seek non-emergency care at the UCI Student Health Center (SHC). If the SHC cannot provide the required care, students will receive a referral for care outside of the SHC. Students may need to pay an annual deductible before UC SHIP begins to share costs. Once the deductible is met, students will pay coinsurance for services, and UC SHIP will cover the remaining cost up to the maximum allowable amount for that service. There is an annual limit on out-of-pocket costs, protecting students financially.
If a student is covered by UC SHIP and requires care outside of the SHC, they will need a referral, except for emergency room care, urgent care clinic visits, pediatric care, obstetrics services, gynecological care, and LiveHealth Online virtual visits. During breaks when the SHC is closed, students can visit an Anthem Blue Cross primary care doctor without a referral. However, a referral from a primary care doctor in the Anthem Blue Cross Prudent Buyer PPO network is required for specialist visits to be covered.
Students enrolled in UC SHIP can request paperless delivery of documents, such as Explanation of Benefits, to their email instead of receiving them by mail. This option is useful for those who wish to keep their health information confidential, especially if they are insured under another person's health plan, such as a parent or spouse.
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Students must meet a deductible before UC SHIP shares costs
The University of California (UC) Student Health Insurance Plan, or UC SHIP, is the health insurance plan offered to all registered students at UC. Depending on the services received outside the Student Health Center (SHC), students may need to pay an annual deductible before UC SHIP begins to share costs. This deductible varies depending on the service and can be found in the Summary of Benefits at Insurance Forms & Helpful Links. Once a student has paid their deductible, they will then pay a copay or coinsurance (the amount they are responsible for after UC SHIP pays its share), and UC SHIP will cover the remainder of the cost, up to the maximum allowable amount for that service.
There is an annual limit on out-of-pocket costs for students, providing financial protection. Once a student reaches this limit, UC SHIP will cover 100% of the costs for that year. For some students, part or all of the cost of UC SHIP's premium is included in their financial aid award.
Students must receive a referral for care outside the SHC, except in the case of emergency room care, visits to urgent care clinics, paediatric care, obstetrics services, gynaecological care, and LiveHealth Online virtual visits. Students can schedule an appointment with a Student Health Center clinician to obtain a referral.
The recent conclusion of the COVID-19 federal public health emergency may impact students with Medicaid (Medi-Cal in California) coverage. Students who lose Medi-Cal coverage are advised to contact their student health centre promptly.
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Students need a referral from SHC for outside care
The University of California (UC) requires all students to have medical insurance. Students registered at UC Irvine are automatically enrolled in the UC Student Health Insurance Plan (UC SHIP). This plan covers care at the UCI Student Health Center (SHC) and UC Irvine Health, including the UCI Medical Center and any other UC medical centres and their affiliated facilities and professional providers.
The SHC provides many services, including preventive care, at no cost or for a low copay. If a student needs care that the SHC cannot provide, they will need to get a referral from the SHC for outside care. This includes care from out-of-network providers. There are some exceptions to this rule, including emergency room care, urgent care clinic visits, pediatric care, obstetrics services, gynecological care, and LiveHealth Online virtual visits.
If a student needs care during a break when the SHC is closed, they can visit an Anthem Blue Cross primary care doctor without a referral. However, if they need to see a specialist, their visit will only be covered if they first get a referral from a primary care doctor in the Anthem Blue Cross Prudent Buyer PPO network.
Depending on the services received outside the SHC, students may need to pay an annual deductible before UC SHIP begins to share costs. Once the deductible is met, students will pay coinsurance for services, and UC SHIP will cover the remainder of the cost, up to the maximum allowable amount for that service. There is an annual limit on out-of-pocket costs, which includes costs from both the SHC and Anthem provider costs.
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Students can request confidential communication
All UC students are required to have medical insurance, and registered students are automatically enrolled in UC SHIP. Under the UC SHIP plan, students must first seek non-emergency care at the UCI Student Health Center (SHC). Many services, including preventive care, are offered at no cost or for a low copay.
Students who are covered by UC SHIP and wish to keep their health information confidential can submit a Confidential Communication Request (CCR) to their health plan. This allows students to maintain privacy regarding the healthcare services they receive using their insurance plan. For example, students can request paperless delivery of documents such as Explanation of Benefits to their email address, rather than having physical mail sent to their permanent home address.
To request paperless delivery by email, students can visit https://www.anthem.com/ca/. For any questions or to request a CCR form, students can contact Anthem Blue Cross at (866) 940-8306.
If a student is enrolled in a health plan other than UC SHIP, they should contact their health plan directly to inquire about options for confidential communication.
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Frequently asked questions
UCI Health accepts many HMO, PPO, and Medicare health insurance plans.
All UC students are required to have medical insurance and are automatically enrolled in UC SHIP.
UC SHIP is the UC Student Health Insurance Plan, which covers gender-affirming care and includes the SHC, UC Irvine Health, and any other UC medical centers and their affiliated facilities and professional providers.
Many services are offered at no cost or for a low copay, including preventive care.
Yes, you will need a referral from the Student Health Center (SHC) to get care anywhere else except for emergency room care, urgent care clinic visits, pediatric care, obstetrics services, gynecological care, and LiveHealth Online virtual visits.
