Who needs health insurance?
Everyone! Unfortunately, unexpected accidents and illnesses do occur and students without comprehensive insurance are more likely to drop out of school for financial or health-related reasons.
What about University Health Services?
All enrolled students are eligible for the medical and counseling care available at University Health Services (UHS), but UHS is not a substitute for health insurance. UHS is not open evenings and weekends and does not provide emergency care, hospitalization, or specialty care for complex problems.
I already have health insurance. How can I tell if it is good enough?
Even if you already have health insurance, you need to be aware of the following:
- Employer plans often limit coverage to emergency room care while you are out of the plan area, and you may have to take time off school to return to your hometown for treatment.
- Even in their home area, some plans have increasingly narrow provider networks. As a result, it can be difficult for enrollees to access services such as mental health.
- Many plans require enrollees to pay a large portion of their medical costs. High deductibles, copayments, and coinsurance can make enrollees reluctant, or unable to seek medical attention when they need it.
Five reasons to choose the UW-Madison Student Health Insurance Plan (SHIP)
- SHIP is designed specifically for UW–Madison students.
- UHS provides primary and preventive care on campus, keeping costs as low as possible.
- SHIP travels with you. SHIP members are protected by nationwide networks of hospitals, clinics, and specialized medical services.
- SHIP has low member cost-sharing, with network deductibles starting from $300.
- Value. Meeting the needs of our students is our motivation—not profit.
Other SHIP benefits include:
- Preventive care including an annual eye exam
- Prescription drug benefit (including specialty meds)
- Available coverage for spouse, domestic partner, and children
- Worldwide assistance
- On-campus customer service team
- And much more!
Spring/summer coverage is effective from January 15, 2024, and enrollments must be received by February 14, 2024.
Click here for additional information and to enroll online.