¶¶Òõ̽̽

Students must complete the  annually to declare their enrollment in SHIP or their decision to waive it for an equivalent insurance plan.

Who Does the Health Insurance Requirement Cover?

• Undergraduate/Continuing Education students registered for 9 or more credits.

• Graduate students registered for 9 or more credits.

• Graduate students enrolled in "Grad 903" credits.

• All International Students with F-1 or J-1 visas.

• All Medical Students.

Deadlines

The deadlines for completing the insurance Decision/Waiver Form are as follows:

• New students starting school in the Fall: July 1.

• New students starting school in the Spring: December 1.

• Returning students: annually by July 1.

Students who fail to complete the on time will be charged for the ¶¶Òõ̽̽ Student Health Insurance Plan and will have a hold placed on their ¶¶Òõ̽̽ student account.

Overview

Students are not required to purchase ¶¶Òõ̽̽ Insurance if they have comparable coverage under another insurance carrier. Choosing between the ¶¶Òõ̽̽ Student Health Insurance Policy (¶¶Òõ̽̽ SHIP) and comparable coverage is an individual decision.

• Insurance coverage period: August 1 - July 31
• All students, regardless of type of insurance, must pay the ¶¶Òõ̽̽ health fee, which covers most medical and mental health services within ¶¶Òõ̽̽’s Center for Health and Wellbeing (CHWB). The ¶¶Òõ̽̽ SHIP covers all routine and preventative health care ONLY within CHWB. Preventive services available within CHWB are not covered at other locations. Students should get referrals from CHWB before obtaining care elsewhere. There is a $300 deductible for services obtained outside of CHWB without a referral.
• Prescription Drug Coverage (in network): $20 copay for Tier 1 (Generic Brand) / 90% co insurance for Tier 2 (Preferred Brand) / 90% co insurance for Tier 3 (Non-Preferred Brand) / 90% co insurance for Tier 4 (Specialty Brand).
• Psychiatric Services at CHWB: students with ¶¶Òõ̽̽ SHIP are covered at 100% of the initial visit and 80% of each follow up visit.
• Students who have purchased ¶¶Òõ̽̽ SHIP and later withdraw or fall below 6 credits (undergraduates) or 5 credits (graduate students) after the first 31 days of the semester will remain covered by the insurance policy for the remainder of the semester, but they are not eligible for CHWB services even if they have also paid the health fee. If a student purchases ¶¶Òõ̽̽ SHIP and withdraws before the end of the 30-day window, coverage is not guaranteed. That decision would ultimately be made by the insurance company.
• To enroll in ¶¶Òõ̽̽ SHIP, complete the before the deadline. Enrollment after the deadline is permissible by exception only. Contact StudentInsurance@uvm.edu  directly for more information.

Frequently Asked Questions

¶¶Òõ̽̽ Student Health Insurance Plan Premiums

To purchase the ¶¶Òõ̽̽ Student Health Insurance Plan (¶¶Òõ̽̽ SHIP), you must pay the ¶¶Òõ̽̽ Health Fee and meet other eligibility criteria. ¶¶Òõ̽̽ SHIP is billed to your ¶¶Òõ̽̽ Student Account at the same time as your tuition. Full-year insurance is billed in two installments.

* Fall-only coverage is available ONLY to students graduating in December/not registered for the Spring semester.

** Spring/Summer-only coverage is available ONLY to students who were not eligible for ¶¶Òõ̽̽ SHIP coverage in the Fall (for example, because they did not take enough credits).

Reminder:

For eligibility for ¶¶Òõ̽̽ SHIP you must pay the ¶¶Òõ̽̽ health fee. The health fee covers routine and preventive CHWB health care and counseling services.