Coverage Dates, Premiums and Deadlines

 

Fall 2019:   $1,045            August 19, 2019 thru January 20, 2020
Spring/Summer 2020:         $1,463  January 21, 2020 thru August 16, 2020 
Summer 2020*:  $627 June 8, 2020 thru August 16, 2020 

*The University Health Insurance fee is not automatically charged to students for Summer semester, and it’s optional for new incoming students to enroll onto the University’s insurance plan if taking 9 or more credits.

 

Benefit Maximums and Deductibles 

SHIP Benefits

 

SHIP Out Of Pocket Cost at a Network Provider

Overall Benefit Maximum There is no overall maximum dollar limit on the policy.
Out-of-Pocket Maximum $6,350 per policy year 
Policy Tier 1 Deductible Network PPO: $500 per policy year (annual) Non-Network PPO: $1000 per policy year (annual) 
Policy Tier 2 Corridor Deductible Additional $2,500 deductible per policy year only after the insurance company has paid $1,500 in covered services. 

Prescription Deductible (Prescription mail order is not currently available)

$200 per policy year (does not apply to policy deductible)

Tier 1 - $20 Copay per prescription

Tier 2 - $40 Copay per prescription

Tier 3 - $60 Copay per prescription

Up to a 31-day supply per prescription.  

For additional information about the MSU Denver SHIP Benefits, click the link below. 

MSU Denver SHIP Benefit Levels Explained
 

Opt-Out Waiver Deadlines

Spring 2020: February 6, 2020

Fall 2020: Waiver opens in mid summer

Each Fall or Spring semester a student is enrolled in 9 or more credit hours and would like to opt-out of SHIP, they need to complete the online opt-out waiver form.

Healthcare plans must be in effect no later than September 1st to opt-out of the Fall semester and February 1st to opt-out of the Spring semester.

For more information on the MSU Denver Health Insurance Requirement, click here.

 

Opt-In Deadlines for Voluntary SHIP Enrollment

Exclusively for Graduate students taking 6-8 credits, Graduating students taking 8 credits or less, or Summer only students taking 9 or more credits. These student can opt-into SHIP by completing an enrollment form and submitting it to the MSU Denver Student Insurance office by the posted deadlines.

Fall 2020: September 8, 2020
Spring 2020: February 6, 2020
Summer 2020: June 16, 2020

Information about the opt-in enrollment process for Graduate Students, Graduating Students and Summer only Insurance Coverage can be found here.