Health Insurance FAQs

What is SHIP?
SHIP is the abbreviated name for the "Student Health Insurance Plans".

What are the SHIP Policy Numbers?
GSHIP - 302-106-0407
USHIP - 302-107-0407

What is GSHIP?
GSHIP, the Graduate Student Health Insurance Plan, is the medical health insurance plan offered by UCR to all registered Graduate students. All UCR Graduate students are automatically enrolled in GSHIP when they pay their UCR registration fees each term. Students who are enrolled in an adequate private medical insurance plan may waive out of GSHIP.

What is USHIP?
USHIP, the Undergraduate Student Health Insurance Plan, is the medical health insurance plan offered by UCR to all registered Undergraduate students. All UCR Undergraduate students are automatically enrolled in USHIP when they pay their UCR registration fees each term. Students who are enrolled in an adequate private medical insurance plan may waive out of USHIP.

How can I enroll in the SHIP Plans?
GSHIP: Enrollment in GSHIP is exclusive to UCR graduate students who pay full registration fees. There is no enrollment process. Graduate students are automatically enrolled in GSHIP when they pay registration fees each term.
USHIP: Enrollment in USHIP is exclusive to UCR undergraduate students who pay full registration fees. Undergraduate students are automatically enrolled in USHIP when they pay registration fees each term.

How can I enroll my eligible dependents in the SHIP Plans?
If you wish to enroll your eligible dependents, you must call the Student Insurance Office at (951) 827-5683 and request an application. This is the only method for enrolling your dependents in SHIP. You can enroll eligible dependents in the same SHIP plan in which you (the student) are enrolled. Dependent coverage not available for undergrads.
Eligible dependents include:
How much do the SHIP Plans Cost?
See the following rate schedules:
GSHIP Quarterly Rates
Graduate: $ 603.00
Spouse/Domestic Partner: $1660.00
Child(ren): $1857.00


USHIP  Quarterly Rates
Undergraduate:                 $211.00
Dependent Coverage not Available


What are the SHIP enrollment deadlines?
Fall Quarter: 10/21/09
Winter Quarter: 02/04/10
Spring Quarter: 04/29/10

Enrolling a New Spouse/Newborn Child: Must be enrolled within 30 days of marriage or birth, or wait until the next open enrollment.

When does SHIP coverage begin and end?
The Effective Date of Coverage for mandatory SHIP (GSHIP and USHIP) is the first day of the term if the registration fees (including the SHIP fee) have been paid before the last day of the term.

Mandatory SHIP (GSHIP and USHIP) terminates when your SHIP expiration date passes and fees have not been paid by the last day of the term.
The coverage dates are:
Fall September 21, 2009 through January 4, 2010
Winter January 4, 2010 through March 29, 2010
Spring March 29, 2010 through September 20, 2010


Will my need-based Financial Aid pay for my SHIP Coverage?
The annual cost of the mandatory Undergraduate Student Health Insurance Plan (USHIP) of $675.00 ($225.00 per quarter) or comparable off campus insurance, will be factored into grants, loans and work-study programs offered to students who receive financial assistance.

Is SHIP "free" for TAs (Teaching Assistants) and RAs (Research Assistants)?
If your TA or RA appointment hours are 25% or more, your SHIP fee is covered by your department. However, if you waive out of SHIP (even if you do so prior to your TA appointment for the term), the department will not pay for SHIP until the next term.

I already have insurance. Can I waive out of the University Insurance?
You will need to fill out and submit an online waiver form at http://healthwaiver.ucr.edu  and provide proof of comparable health insurance.