Why does the Spring premium cost more than Fall premium?

Spring semester coverage is 7 months of coverage, whereas Fall is 5 months of coverage.


How many credit hours are required for automatic enrollment?

Student taking 9 or more credit hours will be automatically enrolled every Fall and Spring semester if they do not opt-out.


What happens if I drop a class and fall below the 9 credit hour threshold?

Should you fall below 9 credit hours before census date, the charges for the insurance will be automatically removed, and you will not have coverage for that semester.


Can I enroll if I’m taking less than 9 credit hours?

Only if you are a Graduate student taking 6-8 credits, or it’s your last semester before graduation and you are enrolled in under 9 credits. This step requires additional paperwork and must be submitted by the deadline.


How do I enroll for summer semester SHIP coverage?

If you are new to MSU Denver and attending for the first time, or were not on the Spring semester Student Health Insurance Plan, you qualify for SHIP by taking 9 credit hours or more (6 if a graduate student) over the summer semester. Summer is the only semester the SHIP charge cannot be automatically charged to tuition, you must voluntarily opt-in by completing the enrollment form and paying the premium to the MSU Denver Student Insurance office.


When is my coverage in effect?

Coverage begins the first day of the semester and ends the day before the next semester starts. The first 4-6 weeks of the semester you will not show having coverage at the insurance company, that is because the University deadline to enroll is 2 ½ weeks after the start of the semester. If you need medical services outside of the Health Center at Auraria during the first 4-6 weeks of the semester, contact the MSU Denver Student Insurance office to be activated right away at the insurance company. This will take up to 48 Business Hours to show as active.


Does SHIP have a deductible?

Yes, SHIP is made up of two levels of benefits, Tier 1 and Tier 2. There is a deductible associated with each tier. Both Tiers 1 and 2 require the student to pay a separate deductible. More information about the tier deductibles can be found here


Is there a Prescription Deductible?

Prescriptions have a separate deductible from the medical deductibles. All deductibles start over every Fall semester.


What is the total out-of-pocket maximum?

The plan’s out-of-pocket maximum is $6,350 per insured person, per policy year.


Is mental healthcare included with SHIP?

Yes, mental healthcare is a covered benefit. You can either make an appointment with a mental health provider at the Health Center at Auraria with 100% coverage for all medical and mental healthcare services; or see a provider within the Network. When you choose a Network Provider keep in mind deductibles may apply. 


Does SHIP include Dental and Vision?

If you are under the age of 19 years old the plan includes dental and vision. Otherwise, you can purchase the Assurant Dental Care Plan OR it can be purchased on the Colorado marketplace.


I had a loss of coverage, does that qualify me for SHIP?

Yes. Students taking 9 or more credits who experience a loss of coverage due to changing jobs, aging out, etc., and it’s within 30 days of that termination period, may enroll on SHIP by providing a Certificate of Coverage letter to the MSU Denver Student Insurance office.


Where can I access a Student Insurance ID card and the Student Health Insurance Plan information?

After the University deadline, students will be enrolled automatically. Once enrolled, you can create an online insurance account to access your medical card or plan materials, view coverage information, check claim status, submit online forms and locate a provider and/or pharmacy.


Where can I get my Insurance Tax Form?

The 1095-B Tax Form is available after January 1st under your online insurance account.


Is there a Mobile App for SHIP?

Yes, students enrolled on SHIP can download the UHCSR mobile app information from the Apple Store or Google Play.


Is there remote access to medical doctors?

Yes, SHIP gives you nationwide around the clock access to board-certified physicians via phone or video chat. There is no consult fee for insured students.


What type of coverage do I have while traveling?

Being on SHIP offers students emergency care while traveling. In addition, there is the travel assistance program that provides access to doctors, hospitals, pharmacies and other services when faced with a travel or medical emergency while traveling 100 miles or more from your permanent residence or abroad. The program also provides emergency and natural disaster assistance services when you are outside of your home country.


SHIP Helpful Links

How to Use SHIP


UnitedHealthcare FAQ’s