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Insurance

UC Health Insurance Requirement

All UC Davis students are required to have health insurance. In order to satisfy this requirement, all registered students are automatically enrolled in the University of California Student Health Insurance Plan (UC SHIP).

If you have already have comparable insurance coverage, and do not wish to be enrolled in UC SHIP, you must apply for a UC SHIP waiver by the posted waiver deadline date. A new waiver application must be submitted each academic year.

**The services at Student Health and Counseling Services are available to all students, even if you waive enrollment in UC SHIP. **

2025-26 Academic Year Benefit Changes

Below are the changes to the UC SHIP benefits for the 2025-26 academic year.

Medical Benefits

Annual Deductible - increase from $200 to $250 for in-network services
Emergency Room copay - increase from $150 to $200 per visit
Diagnostic Imaging/Testing (CT/PET Scans, MRI's) copay - increase from $25 to $50

UC SHIP Voluntary Coverage After Graduation

UC SHIP voluntary coverage will no longer be available to students who have graduated

UC SHIP Dates of Coverage

Quarter Students (Grad/Undergrad)

2024-25 Academic Year

Spring/Summer*: March 27, 2025 - September 14, 2025

2025-26 Academic Year

Fall: September 15, 2025 - January 1, 2026

Winter: January 2, 2026 - March 25, 2026

Spring/Summer*: March 26, 2026 - September 13, 2026

Semester Students (Law/Veterinary)

2024-25 Academic Year

Spring/Summer*: January 6, 2025 - August 10, 2025

2025-26 Academic Year

Fall: August 11, 2025 - January 4, 2026

Spring/Summer*: January 5, 2026 - August 16, 2026

*Summer coverage is included at no extra charge if a student is enrolled in UC SHIP for Spring term

UC SHIP Costs
2024-25 Academic Year
Per Term Annual
Undergraduate Students (Quarter) $1,213 $3,639
Graduate Students (Quarter) $2,482 $7,446
Law / Veterinary Students (Semester) $3,723 $7,446
2025-26 Academic Year
Per Term Annual
Undergraduate Students (Quarter) $1,257 $3,771
Graduate Students (Quarter) $2,664 $7,992
Law / Veterinary Students (Semester) $3,996 $7,992

How To Find A Provider

UC SHIP Forms

UC SHIP Plan Benefits

How To Use UC SHIP

UC SHIP ID Cards

Online Waiver Application

Voluntary Student/Dependent Enrollment

Educational Resources in Partnership with the All of Us Research Program

Glossary of Insurance Terms

Copay
The flat fee you pay for covered services, usually due at the time you receive care. For example, you might pay a $15 copay to see a primary care doctor or specialist.
Co-insurance
The slice of a medical service you’re responsible for. For example, you might pay 20% of the cost for a particular service, and the insurance company or plan will pick up the tab for the remaining 80%.
Annual Deductible
The amount you have to pay toward medical costs before UC SHIP starts paying part of the bill.
Emergency
An illness, injury, symptom or condition so serious that a reasonable person would seek care right away to avoid severe harm or death.
Maximum Allowed Amount
The total reimbursement payable under your plan for covered services you receive from in-network and out-of-network providers. It is the claims administrator’s payment toward the services billed by your provider, combined with any deductible or coinsurance you may owe. If you receive services from an out-of-network provider, the provider will bill you the difference, if any, between their charges and the maximum allowed amount.
Maximum Out of Pocket
The maximum amount of money you’ll have to pay for health care in a year. After you meet the maximum, UC SHIP covers 100% of all eligible costs for the rest of the plan year.
In-Network
A group of healthcare providers and facilities—including doctors, hospitals, and labs—that contract with your healthcare plan to provide services at negotiated discount rates. You’ll usually pay less when you use a network healthcare provider. UC SHIP contracts with Anthem Blue Cross to provide access to its extensive network of hospitals and providers, including UC Family facilities and provider groups.
Out of Network
Health care professionals, hospitals, clinics, and labs that do not belong to the Anthem Blue Cross Prudent Buyer network. You’ll typically pay more and may need to file a claim for payment.
Customary and Reasonable
A Customary and Reasonable charge, as determined annually by Anthem Blue Cross, is a charge which falls within the common range of fees billed by a majority of physicians for a procedure in a given geographic region, or which is justified based on the complexity or the severity of treatment for a specific case. When a non-Anthem Blue Cross physician is used, the patient is responsible for payment of all charges in excess of the Anthem Blue Cross C&R payment.
Referral
Written authorization given by the student health center (SHC) to seek care outside of the SHC for medically necessary services.

	Per Term	Annual
Undergraduate Students (Quarter)	$1,213	$3,639
Graduate Students (Quarter)	$2,482	$7,446
Law / Veterinary Students (Semester)	$3,723	$7,446

	Per Term	Annual
Undergraduate Students (Quarter)	$1,257	$3,771
Graduate Students (Quarter)	$2,664	$7,992
Law / Veterinary Students (Semester)	$3,996	$7,992

Insurance

UC Health Insurance Requirement

2025-26 Academic Year Benefit Changes

UC SHIP Dates of Coverage

Quarter Students (Grad/Undergrad)

2024-25 Academic Year

2025-26 Academic Year

Semester Students (Law/Veterinary)

2024-25 Academic Year

2025-26 Academic Year

UC SHIP Costs

2024-25 Academic Year

2025-26 Academic Year