The following are Frequently Asked Questions (FAQs) about the insurance waiver process

General Questions

Appeal Questions

General Questions

Q: I have coverage back home. Why do I need UC SHIP - and why was my waiver denied?
A: Your health insurance must have primary care, behavioral health, and emergency coverage within 30 miles of your local residence while you attend UCSC. UCSC asks for the name of your primary care provider in Santa Cruz County to ensure that you can receive local medical care.

Link to UC SHIP Mandate letter from UC Regents

Q: We waived UC SHIP last year because we have coverage through our family plan. Do we need to submit the waiver again? 
  Yes, waivers must be submitted ANNUALLY, every academic year. If the family's health insurance situation changes, please notify the Student Insurance Office. We will verify that the plan meets UCSC insurance requirements, at which point you may retain your waiver. The student could also choose to enroll in UC SHIP. Additionally, they will be notified that they can waive UC SHIP before each academic quarter for the upcoming quarter.

Q: What information is required to waive UC SHIP?
A: Here is the link to the waiver questions.

Q: I waived the insurance but I have not received an email with an approval or a denial. Why not?
A: Please see the link on the timeline for communications from Wells Fargo Insurance Services regarding waivers, or check any communication from them. All waivers are audited, so Wells Fargo takes approximately 15 business days to process and respond to waiver requests.

Q: How do I reverse a waiver so that I get UC SHIP?
A: Contact the UCSC Insurance Office at and follow the link to submit the waiver reversal form.

Q: I have a complaint about waivers. 
 If you are experiencing any issue regarding your online waiver including technical issues, error messages, requests for additional information, denials, or appeal, please contact the waiver administrator Wells Fargo Insurance Services at


Q: I am on the Education Abroad Program (EAP) and I was charged for UC SHIP. 
 Health insurance is a requirement for ALL UCSC students, even those on the Education Abroad Program (EAP). This is also a requirement of the Affordable Care Act (ACA) for residents who will spend any portion of the calendar year in the United States. EAP students need to have health insurance while abroad. If they have suitable health insurance, they can submit a waiver for UC SHIP and would not need to have a provider in Santa Cruz County. EAP provides travel insurance, but that does NOT qualify as ACA compliant health insurance. UC SHIP provides worldwide coverage with the Anthem BlueCard.

Q: I successfully waived UC SHIP but the fee is still on my portal. 
 If you have successfully waived UC SHIP, any fees that you have been charged will be credited back to your student account within 30 days. Continue to check your portal / AIS account to be sure the fee has been removed. Credits will be posted to your portal / AIS account at least weekly on Fridays.

Q: I missed the deadline to waive UC SHIP, but I still want to waive. 
 In the summer, students are sent a minimum of 6 notices of the opportunity to waive UC SHIP - 2 postcards sent to the home address - 2 emails - 2 portal messages - with all the deadlines, instructions, and information. The premium fee for UC SHIP is added to your AIS account before the deadline, so that the university can pay the premiums to the insurance carriers under the UC SHIP plan, ensuring that students are covered by insurance on the first day of the quarter. If you missed the deadline, then you have UC SHIP for that quarter. Students who are on UC SHIP are notified of the next opportunity to waive for the following quarter. The waiver questions must be submitted via an online form to Wells Fargo Insurance Services, our waiver administrator. Your submission will be audited and you will be notified if your waiver has been accepted. If your waiver has been accepted but the fee for UC SHIP is already on your AIS account, the fee will be credited back to your account within 30 days.

Q: I am an International Student, do I still need UC SHIP? 
 International students must have full, acceptable health insurance coverage, in compliance with University of California and Affordable Care Act requirements. Travel plans DO NOT qualify as acceptable health insurance. All students are automatically enrolled in the UCSC health insurance plan UC SHIP and charged each registered quarter unless they choose to submit an online insurance waiver with proof of suitable coverage.

The submitted waiver must pass the audit that verifies that the health insurance meets the UC waiver criteria. Please review the waiver criteria carefully, as found on our website. Quarterly waiver notifications are sent to the student’s UC email address or student portal (under My Messages) for the online waiver process. Once accepted, the waiver is in effect for the current quarter and the remainder of the academic year. A new waiver must be submitted at the beginning of each academic year. View the information at:, click on the Insurance tab.

Appeal Questions

Q: Who do I contact?
A: General questions from parents can be answered with a telephone call; however, questions specific to their student must go to or through the student. The student may give the Student Health Center written permission by completing and submitting the Authorization for Release of Information form, allowing Student Health Center staff to speak to the parent. If your student agrees, please have the student submit that authorization form.

Q: Why is Wells Fargo Insurance Services (WFIS) calling me? 
 Students with UC SHIP will have any claims sent to Anthem Blue Cross and/or Anthem Blue View Vision. The UCSC Student Health Services only bills and submits to UC SHIP. Any other insurance plans, including other Anthem Blue Cross plans, are NOT submitted for billing. Students will get statements that are suitable for submitting to insurance carriers; however, UCSC Student Health Services is not a member in any other network.

Q: Who is Wells Fargo Insurance Services?
A: Please check with your insurance carrier for coverage and providers in Santa Cruz County.