Billing and Insurance FAQs



Enrollment & Eligibility

Why is health insurance required at UCSC?
The UC Regents require all students to have health insurance.


How do I get UC SHIP?
All students are automatically enrolled in UC SHIP, no action required.


How do I get my UC SHIP ID card?
Insurance ID cards are now electronic. Download the UC SHIP mobile app to get your UC SHIP ID card, benefits, and claims info. You can also access your ID card on a web browser here. From your computer:


Will Education Abroad Program (EAP) students be enrolled in UC SHIP? 

Yes, the Affordable Care Act (ACA) requires EAP students to have ACA-compliant health insurance while abroad. Although EAP provides travel insurance, it does not qualify as ACA-compliant health insurance.

EAP students are automatically enrolled in UC SHIP health insurance unless they successfully waive UC SHIP. UC SHIP provides ACA-compliant, worldwide medical coverage with the Blue Cross Blue Shield Global Core Program. Note: the waiver requirement for services within a 30 mile radius of UCSC does not apply to EAP students. You may need to contact insure@ucsc.edu if your waiver is denied due to the 30 mile radius requirement.


Will UCSC Silicon Valley Students be enrolled in UC SHIP?
Yes, but the requirements are somewhat different. If you exclusively attend UCSC Silicon Valley, you will not have access to the UCSC Student Health Center. For primary care visits, you can go to any primary care provider in UC SHIP's Anthem Blue Cross PPO network. You won't need a referral from UCSC Student Health Services. For specialist visits, your Anthem primary care provider can refer you. You have access to Urgent Care, hospitals, mental health, pharmacy, vision, and dental care using the Anthem network. You even have a UC Family discount if you use any UC Medical Center. Find Anthem providers in your area.


Am I eligible if I opted out of UC SHIP last year?
Yes. You will be automatically enrolled in UC SHIP this year unless you complete the online waiver.


Am I eligible for UC SHIP if I've graduated? 
Yes, you can be covered for one additional quarter if you've graduated and you had UC SHIP in the previous quarter. Students who graduate in June are still covered by UC SHIP if they had UC SHIP in the spring quarter; this coverage lasts until the start of the next academic calendar year. To enroll and purchase, complete the Continuation Voluntary Enrollment forms in the Insurance Forms & Helpful Links.


Can I enroll in UC SHIP after a Qualifying Life Event?
Students and/or eligible dependents may enroll in UC SHIP during the coverage period if they experience one of the following Qualifying Life Events:

  • Involuntary loss of other health insurance coverage
  • Turn 26 and lose coverage as a dependent on a parent's plan
  • Marriage or divorce
  • Birth or adoption of a child
  • Declaration or termination of a Domestic Partnership

If you have a Qualifying Life Event during the coverage period, you must notify insure@ucsc.edu within 31 days of the loss of your coverage. TYou must provide an official written letter of termination from the previous health insurance carrier. You will be enrolled in UC SHIP as of the date of your involuntary loss of other coverage if notification is received within 31 days of the loss of your coverage. If notification is not received within that 31-day period, coverage will be effective on the date on which you pay the full UC SHIP premium.

Please click here for all qualifying event enrollments. The form must be submitted within 31 days of your qualifying event date.


Costs & Financial Aid

How much does UC SHIP cost?
See our UC SHIP At-a-Glance Coverage chart for information on deductibles, coinsurance, copay, and out-of-pocket maximums. You can also refer to the full premium charts.


Will financial aid pay for my UC SHIP?
For some students, the cost of UC SHIP’s premium is included in your financial aid award. Check your financial aid package or review it in the My UCSC Portal Student Services section. You can also contact the UCSC Financial Aid and Scholarship Office


Will Medi-Cal pay for my UC SHIP?
See the form Health Care for Students with Medi-Cal to learn how UC SHIP works with Medi-Cal.


Coverage 

Will UC SHIP cover me during emergencies or after hours?
Yes. See our After Hours handout for more information. You have a few options:

  • If you can wait until we open, come to Student Health Services during business hours. There is no copay.
  • If it is an urgent issue but not a life-threatening emergency, go to an Urgent Care facility. The copay is $25.
  • If you have a life-threatening emergency, call 911 and/or go to the nearest emergency room. The copay is $125 if you are not admitted to the hospital, and $0 if you are admitted. UC SHIP covers 85% of your hospitalization costs, so your responsibility will be 15% of the bill. Your maximum out of pocket expense is $3,000 if you are using UC SHIP in-network providers and facilities. If you use out-of-network providers or facilities, your out-of-pocket maximum is $6,000.

How does UC SHIP work during leaves of absence, withdrawals, and planned educational leaves?

There are a few important things to know about UC SHIP during leaves.

  • For in-absentia students, Read the University of California Office of the President’s memo on the mandatory insurance plan policy here. Here’s the direct link to the systemwide policy regarding In-Absentia.
  • If you don't want UC SHIP, you can request a UC SHIP credit in some situations. If you are withdrawing within the first two weeks of the quarter, students can request that the UC SHIP fee be removed. Requests for UC SHIP cancellation will not be granted if you used UC SHIP during this time. Remember that if you have not waived UC SHIP, you will be charged the quarterly fee for UC SHIP.
  • If you do want UC SHIP, you can purchase voluntary insurance. If you are enrolled in UC SHIP in the current quarter or the quarter immediately preceding your withdrawal, you may be eligible to purchase voluntary insurance coverage for a limited period of time. Voluntary insurance can be purchased 30 days prior to the first day of the quarter, and 30 days after the start of the quarter. There is a two-quarter limit per academic career as long as you were enrolled in UC SHIP the previous quarter.
    • Students on Planned Educational Leave (two-quarter limit)
    • Graduate students on Filing Fee Status (one-quarter limit)
    • To enroll, complete the Continuation Voluntary Enrollment forms in the Insurance Forms & Helpful Links.

Does UC SHIP cover me when traveling abroad?
Yes. UC SHIP and Anthem Blue Cross includes coverage worldwide via the BlueCard after you sign up and then you can find a doctor outside of the US.


Am I covered if I have two insurance plans?
UCOP addresses this question about dual coverage in their Claims, Billing, and Coordination page. 


Am I covered with Medi-Cal? 
Most Medi-Cal plans only work in your home county. If your permanent residence is outside of Santa Cruz County, you may be able to transfer your Medi-Cal coverage to Santa Cruz County. Contact your Medi-Cal office in your home county to find out, or contact Financial Aid to see if you qualify for a grant to cover UC SHIP. See the form Health Care for Students with Medi-Cal for more information.


Are my dependents covered under UC SHIP?
Yes. Although we cannot see your dependents at Student Health Services, you can choose to voluntarily cover dependents and they will have UC SHIP. For primary care visits, you can take your dependent to any primary care provider in UC SHIP's Anthem Blue Cross PPO network. You won't need a referral from UCSC Student Health Services. For specialist visits for your dependent, your Anthem primary care provider can refer you. Your dependent has access to Urgent Care, hospitals, mental health, pharmacy, vision, and dental care using the Anthem network. You even have a UC Family discount if you use any UC Medical Center. Find Anthem providers in your area. To enroll your dependent, see the voluntary enrollment forms in the Insurance Forms & Helpful Links.


Can I use the Health Center at another UC?
Yes. This is called "reciprocity" between UC Student Health Centers.

  • UCSC students visiting other UC student health centers: UCSC students will be treated the same as students at the other UC campus. If the campus is not a UC SHIP campus (currently that's only UC Berkeley), then students may have to pay for services up front, and then submit statements to UC SHIP for reimbursement. You'll be charged in-network rates.
  • Students from other UCs visiting the UCSC Student Health Center: Students from other UC's will be treated the same as UCSC students. If you have any fees or do not have UC SHIP, then any fees will need to be paid on the date of service. You will receive statements to submit to your insurance carrier for reimbursement.

How do I get proof of UC SHIP coverage or a termination of benefits letter? 

Contact our waiver partner, Academic HealthPlans (AHP), at UCSHIP@ahpservice.com. 


When will my 1095-B be sent?
Please see UCOP's FAQ on 1095-B.


How can I get more information about filing claims or what to do if my payment was denied?
See UCOP's page on Claims, Billing, and Coordination of Benefits.You can contact insure@ucsc.edu with questions.


Waiver

Will my own insurance plan be adequate to waive UC SHIP? 
Compare your insurance plan to the list of requirements and the UC SHIP Mandate letter from UC Regents. 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.


Do I need to complete another waiver if I waived last year and then my insurance situation changed?
Yes, waivers must be submitted annually. If your health insurance situation changes, please notify us at insure@ucsc.edu.


Do I need to complete a waiver if I'm taking remote classes and don't want UC SHIP?
Yes. All UCSC students, are automatically enrolled in UC SHIP, including students who are taking remote classes. This applies to undergraduate, graduate, and international students. Even if you don't plan to be on campus, you must complete the waiver each year if you don't want UC SHIP.


Who is Academic HealthPlans (AHP)?
AHP is the health insurance waiver administrator and broker for UC SHIP. We partner with them to make sure your waiver meets the UC-wide health insurance criteria. AHP may contact you if they have questions about your waiver application or voluntary enrollment plan, or if they need more information from you.


How will I know if my waiver was received?
After you complete the online waiver, our waiver partner, Academic HealthPlans (AHP) will review your waiver to make sure your health insurance meets the requirements. You will receive a “received” email message from AHP. AHP will email you again once they have reviewed and accepted your waiver. If there was a problem with your waiver, AHP will email you with next steps.


Why was my waiver denied?
Academic HealthPlans (AHP) will send you an email with the reason/s your waiver was denied.


How do I reverse a waiver so that I get UC SHIP?
Download the waiver reversal form in Insurance Forms & Helpful Links.


Why was I charged the UC SHIP fee even though I successfully waived UC SHIP?
Occasionally your waiver is approved at the same time the UC SHIP fee is added to your bill. These fees will be credited back to your student account within 30 days. If you notice the fee is still on your portal / AIS account after 30 days, please contact us at insure@ucsc.edu.


Can I still waive UC SHIP if I missed the deadline?
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, plus emails from AHP - 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 online to AHP, 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.


How do I make a complaint about waivers?
If you are experiencing any issue regarding your online waiver including technical issues, error messages, requests for additional information, or appeal, please contact AHP, our waiver administrator, at ucship@ahpservice.com


What if I need a late waiver?
You must contact insure@ucsc.edu to request a late waiver. You will need to submit your waiver by the “late waiver” deadline and you will be charged $50.


Grievances 

Who do I contact with UC SHIP grievances?
insure@ucsc.edu


Billing 

What is this fee on my bill?
Here are some common fees you may see:

  • UC SHIP fees for anything that is considered the "patient responsibility," like pharmacy copays or the 15% coinsurance for supplies or laboratory tests sent offsite. These are charged through the Student Health Center to your AIS account.
  • CruzCare fees for services or supplies not covered by CruzCare are charged through the Student Health Center to your AIS account.
  • If you have an outside insurance plan, then you will need to get a billing statement from the Student Health Center, which may be used to submit claims to your insurance carrier.

How do I pay fees from the Student Health Center?

If the fees already appear on the AIS account, go to the Cashier’s Office at Hahn Student Services to make a payment. If the fees have not yet been sent by the Student Health Center, contact our billing specialists through Health e-Messenger. Go to Messages > New Message > Insurance Billing Questions.


Why do I have late fees and how do I contest a late fee?
If any bills on the AIS account are unpaid by the deadline, then Student Business Services charges late fees. If you believe the fees are in error, contact Student Business Services at sbs@ucsc.edu and fill out the Late Fee Contest Form


Why does the service date on my portal differ from the time of my visit?
All billing is completed after the visit and depends on billing for outside services, like laboratory tests that are sent out offsite. Therefore, the date that students are billed will always be after the date of service.


Who do I contact with questions about my bill?
Please contact our medical billing specialists securely online through Health e-Messenger. Go to Messages > New Message > Insurance Billing Questions.


Referrals

Do I need to get a referral for medical care outside the Student Health Center?
You must get an SHC referral for care outside the SHC,regardless of the distance from campus, except for the following: emergency room care and visits to urgent care clinics, pediatric care, obstetrics services, gynecological care and LiveHealth Online virtual visits. However, you will be responsible for paying a deductible and part of the cost through a copay or coinsurance (the amount you’re responsible for after UC SHIP pays its share).


Where can I go with a referral?
Your referral gives you options for off-campus care, including UC Medical Centers. Any of the five nationally ranked UC medical centers (at Davis, Irvine, Los Angeles, San Diego and San Francisco) or a UC-affiliated facility, doctor, or other health care provider. (Be sure to get a referral before making an appointment.) You also have access to the Anthem Blue Cross Prudent Buyer PPO network doctors and other providers and facilities. This is a nationwide network of more than 50,000 physicians and 400 hospitals. You’ll first pay a deductible (check your Summary of Benefits at Insurance Forms & Helpful Links), then UC SHIP will pay most of the cost, and then you’ll pay the rest through a copay or coinsurance (the amount you’re responsible for after UC SHIP pays its share). 


Will UC SHIP reimburse Anthem providers outside the health center?
Please contact our partners at Anthem to discuss this. Mental health providers can email CABHNetworkRelations@anthem.com. All other providers can email CAContractSupport@Anthem.com.


Will UC SHIP reimburse Out-of-Network providers?
Please fill out the Disclosure of Allowable Reimbursement form and send in to Anthem Blue Cross. 


For Parents

If parents send a question to the Student Health Center or the Insurance Office, how will they get a response?
Everyone who sends a question will get a response by email or phone.


If my student requires medical services while they are there, do you bill Blue Cross directly? Are you considered a provider?
Yes, the Blue Cross will be billed for students with UC SHIP. Otherwise, the student will be billed and can submit their claim to their carrier.


If we do not purchase campus insurance, where does my student need to go for medical care?
For students with CruzCare: https://healthcenter.ucsc.edu/billing-insurance/cruzcare.html
For students without UC SHIP or CruzCare, they can see a Student Health Center nurse to determine if care is needed off campus.