Undergraduate Health Insurance

Mandatory Health Insurance



The University of California Board of Regents requires that all undergraduate students have major medical health insurance as a non-academic condition of enrollment (see below for benefits of this plan).

- Undergraduate Student Health Insurance Plan (USHIP) 2009 - 2010 Insurance Brochure
- Undergraduate Student Health Insurance Plan (USHIP) 2008 - 2009 Insurance Brochure

The annual cost of the mandatory Undergraduate Student Health Insurance Plan (USHIP) of $675 ($225 per quarter) or comparable off campus insurance, will be factored into grants, loans and work-study programs offered to students who receive financial assistance.

Students already covered by adequate health insurance can waive the requirement by submitting the waiver form to the Campus Health Center.

Note:  Access to benefits requires a CHC referral except in cases of emergency care or out of local area.
 

Description of Benefits

$200,000 per condition maximum benefit
Hospital coverage (90% PPO provider)
Office Visits coverage (no co-pay on campus, i.e., 90% PPO provider)
$3,000 prescription medication with RX card (30-day supply per prescription). $15 copy on and off-campus $25
Surgery coverage, including anesthetist and assistant surgeon (i.e., PPO provider covered at 90%)
Emergency room coverage ($50 co-pay *waived if admitted i.e., PPO covered at 90%)
Ambulance coverage - Emergency transportation only (i.e., PPO provider covered at 90%)
Detoxification Hospitalization benefit for 3 days (i.e., PPO provider covered at 90%)
Laboratory coverage (no co-pay on campus, i.e., PPO provider covered at 90%)
Radiology coverage (no co-pay on campus, i.e., PPO provider covered at 90%)
Physical therapy coverage up to $1000 if post surgical (i.e., PPO provider covered at 90%)
Nervous and Mental Conditions Office Visits limited to 40 visits per plan year (for conditions other than those delineated in Assembly Bill 88 (i.e., PPO provider covered at 90%)
Repatriation benefit of $7,500 in accordance with federal J-1 visa requirements
Medical evacuation benefit of $10,000 in accordance with federal J-1 visa requirements
Benefits payable at 100%: at UCR facilities; In-network, payable at 90%; Out-of-network payable at 60%. Network: CFMC, Preferred Provider Organization Network in California and First Health, Preferred Provider Organization Network outside of California
$3,000 maximum out-of-pocket expense to insured (including deductible, coinsurance and copays)
Extension of benefits ^ 6 months for total disability
Basic vision coverage, designated local optometrists
Basic dental coverage at UCR Campus Health Dental Clinic


NOTE: USHIP is secondary to all other programs. For answers to questions about enrollment, policy benefits, and claims - stop by or call (951) 827-5683. Brochures are available at CHC or online at renaissance-inc.com.
Insurance ID cards are available at renaissance-inc.com/ucru/idcard.

Specific claims information can be obtained by calling UCR's Campus Health Center: 951-827-5683.

You can visit Renaissance Agencies, Inc. (the carrier) to view brochures and request more information.