The open enrollment deadline for Annual and Fall enrollments has now passed.
SHIP will accept Spring/Summer enrollments from registered students beginning December 15, 2021.
Already have health insurance?
Even if you have health insurance (for example, through a parent’s plan), we urge you to review it carefully to ensure that your plan provides you with sufficient coverage while you are in Madison. Many plans limit coverage to emergency room care only while you are out of the plan area, and you may have to take time off school to return to your hometown for treatment, or even drop out of school completely.
Many insurance plans require enrollees to pay a large portion of their medical costs. High deductibles, copayments, and coinsurance can make members more reluctant to seek medical attention when they need it. In contrast, the plan deductible for SHIP domestic students is just $600 for in-network services. Combined with a low in-network member coinsurance of 20%, SHIP domestic students can access the care they need without worrying about excessive bills.
UHS provides medical and mental health services to all enrolled students, but is not a substitute for health insurance. UHS is not open evenings and weekends and does not provide emergency care, hospitalization, diagnostic tests or specialty care for complex problems.
SHIP exists to make sure that all UW–Madison students have access to a comprehensive insurance plan. By administering the plan locally at UHS and utilizing the expert care of UHS providers, we keep costs as low as possible—ensuring the plan is tailored to the needs of our members.
In addition to the medical and mental health services provided by UHS, SHIP members are protected by a nationwide network of hospitals, clinics, and specialized medical services.
In other words, SHIP provides coverage not only in Madison—but in your hometown and beyond—even overseas.
SHIP members also have access to a range of no cost preventive services, including travel and meningococcal vaccines, the HPV vaccine, a contraceptive benefit and an annual eye exam.
It is also important to note that SHIP is not motivated by profit. This enables us to pass on plan savings to our members. Member out-of-pocket costs remain unchanged for 2021-22, and we have been able to hold premium increases to a modest level, even as overall health care costs continue to escalate.
Please note that the “Terminations and Refunds” policy has been updated. See page 22 of the 2021-22 Domestic SHIP Plan Document for details.