When students have SHIP there are two primary options for accessing medical and/or mental healthcare.
Option 1: Utilize the Health Center at Auraria for your first choice of medical and mental healthcare. It is the most cost effective and convenient medical and mental health resource. In addition, the Health Center at Auraria specializes in college healthcare.
Option 2: When seeking care from a community medical provider, be mindful of the SHIP Benefits and Deductibles by reviewing the summary of SHIP Benefits and Deductibles. You can also review How to Use Your MSU Denver Student Health Insurance Plan with Community Providers.
Accessing Your Plan Information
UnitedHealthcare StudentResources manages the MSU Denver Student Health Insurance Plan. This is where students can find health plan information including:
- Coverage Information
- Benefits and Policy
- ID Card (print, view, request)*
- Find Medical Provider
- Pharmacy Locator
- Travel Assistance
*This information will be available after the first 4-6 weeks of each semester.
UnitedHealthcare Student Resources Contact Information
||For Emergencies while traveling contact:
|Send Claims to:
|P.O. Box 809025
|Dallas, TX 75380 - 9025
||Use ID# 355751
MSU Denver SHIP FAQ’s
Health Center at Auraria Medical Care
How to Use Your MSU Denver Student Health Insurance Plan with Community Providers
Always read through your Policy before you seek medical treatment. You can also call the insurance company customer care (phone number is printed on your medical I.D. card) for specific benefit questions. Understanding the guidelines of your plan may prevent you from paying unexpected out-of-pocket expenses.
- Check if you have been enrolled with the insurance company, an important step to verify you have active coverage.
- Find a participating network doctor. Once your doctor confirms participation in your insurance network they can only charge contracted insurance rates they have agreed to with the insurance company, saving you money.
- Most U.S. insurance plans allow you to choose a primary care doctor (PCP), someone who you will see when you are sick or for a physical exam or lab tests. A primary doctor is not necessary but helpful for long-term health care maintenance. You also want to see a network doctor for any ongoing conditions like diabetes or high blood pressure.
- Present your health insurance medical ID card when visiting your doctor so they know where to send your claim for payment. Typically, patients will have to pay their portion of plan responsibility amounts, usually in forms of copays, deductibles, and co-insurance. Sometimes a form of payment will be collected at the time of service. It is good practice to ask the billing staff before your visit for cost estimates. Any insurance company payments are mailed directly to the hospital or doctor you received care from.
- Your doctor will automatically submit your visit claim to the insurance company. If you are being treated by an out-of-network doctor, ask how your claim will be filed. You may have to submit the claim yourself after paying for your medical services to the non-participating doctor.
- After the insurance company receives and processes your medical claim you can expect to receive an Explanation of Benefits (EOB) statement in the mail, or you can access through your online health benefits account. An EOB explains how your benefits were applied from your visit. The EOB will show how much was paid to the doctor or hospital and what portion of the bill is the responsibility of the patient. If necessary, the doctor or hospital will then send you a statement of balance due indicating your remaining portion due of the billed expenses, such as the plan deductible, copays or coinsurance.