This section provides answers to Frequently Asked Questions (FAQs) about UC SHIP Benefits.


Q: What are the benefits for UC SHIP?
A: See MEDICAL section in left column


Q: What is the coverage?
A: Full coverage 24/7/365 and worldwide. See the link for the full list of benefits.

  • See MEDICAL section in left column

Q: Do you administer specific therapy or treatments?
A: Logon to health e-Messenger and message your provider.


Q: Do you offer chiropractic care?
A: Yes, but not in-house, and a referral is required before your chiropractic visit. For comprehensive coverage and reduced out-of-pocket costs, we recommend you go to an in-network provider.



Q: Do you offer acupuncture care?
A: Yes, but not in-house, and a referral is required before your acupuncture visit. For comprehensive coverage and reduced out-of-pocket costs, we recommend you go to an in-network provider.



Q: Can I get immunotherapy/allergen treatments?
A: Yes, but we need paperwork directly from your doctor's office with the allergens and the dosage and schedule. See the link for the required form and for more information. Come in to the office to see about this coverage


Q: What sort of coverage is there after graduation?
A: Students who graduate in June are still covered by UC SHIP if they had UC SHIP in the spring quarter, since coverage for spring insurance goes through the summer, up until the start of the next academic calendar year. Students may be able to purchase voluntary insurance for one quarter after graduation see the voluntary insurance link in left column.



Q: What sort of benefits are there for dependents?
A: Voluntary signup for dependents is available through WFIS. Dependents are not seen at Student Health Services.



Q: Who do I contact with questions about UC SHIP?
A: For information on UC SHIP, see the link to UC SHIP.



Q: Is there a deductible?
A: For procedures done outside of the Student Health Services clinic, there is an annual deductible of $300.



Q: Where do I go after hours?
A: If it can wait until we open, come the next open day to Student Health Services. If it is urgent, but not an emergency, go to an Urgent Care facility with a $25 copay. If it is an emergency with risk to life, call 911 and/or go to the nearest emergency room. The copay is $125 if you are not admitted to the hospital. See our After Hours handout online or at the entrances to the Student Health Center.


Q: What if I need to go to a hospital?
A: Hospitalization is covered at 85%, so the patient responsibility will be 15% of the contracted rate charged by the hospital, and there is a maximum out of pocket expense of $3,000 if you are using contracted providers and facilities. If you use out-of-network providers or facilities, the out-of-pocket maximum is $6,000.



Q: What if I need mental health assistance?
A: For mental health care, contact CAPS - Counseling and Psychological Services - on campus at the Student Health Center at 831-459-2628. Regular visits with behavioral health providers in the community are covered with a $20 copay per visit with a referral from CAPS.


Q: Am I covered during the summer if I graduated in June?
A: Yes, students who have UC SHIP in spring quarter are covered throughout the summer until the new quarter starts in September.


Q: If I am enrolled at another UC campus, may I use the UCSC Student Health Center?
A: Yes - reciprocity between UC Student Health Centers is available at other UC Student Health Centers. Students from other UC's will be treated the same as UCSC students at the UCSC Student Health Center. If you do not have UC SHIP, then any fees will need to be paid on the date of service and you would will receive statements to submit to your insurance carrier for reimbursement.


Q: Can I go to another UC?
A: Yes - reciprocity is available at other UC Student Health Centers. Students will be treated the same as students at that campus. If the campus is not a UC SHIP campus, then students may have to pay for services and submit statements to UC SHIP for reimbursement at in-network rates.