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How To Use UC SHIP

Important Notice Regarding COVID-19 (Vaccinations, Testing, Treatment ) and UC SHIP

Students enrolled in UC SHIP must obtain a referral from SHC's Insurance Services Department in order for the vaccine administration fees to be covered by the plan. There is no charge for the vaccines but providers are able to bill insurance plans for their fees to administer the vaccines. To request a referral prior to being vaccinated or to request a retroactive referral, please email: shc-insurance@uci.edu or call 949-824-2388.

The UC SHIP waiver of co-pays and/or coinsurance for medically necessary testing and/or treatment related to COVID-19 terminated effective with the start of the 2020-21 UC SHIP plan year. Therefore, effective 9-28-2020 and in accordance with UC SHIP plan benefits, the student cost share for all medically necessary screening, testing and treatment for COVID-19 will revert to the established copay and coinsurance amounts. Cost sharing includes, but is not limited to, copays, deductibles or coinsurance. Medically necessary screening, testing and treatment for COVID-19 may include hospital services (including emergency department), urgent care visits, provider office visits, telehealth encounters (e.g., LiveHealth Online) and clinical labs where the purpose of the visit is to be screened, tested and/or treated for COVID-19. 

For additional information regarding the type of scenarios for which testing may or may not be deemed to be medically necessary, please visit UC SHIP and COVID-19: A Guide for Students and Parents. Students will be financially responsible for any COVID-19 related services that are deemed to be NOT medically necessary.

 

A Note About the Confidentiality of Your Health Information

Please visit Confidentiality of Your Health Information to better understand your right to privacy. Your right to privacy includes your right under California state law to have information from an insurance plan related to medical and mental health services that you've received delivered to you directly. 

 

When You Need Health Care

For students enrolled in UC SHIP, your health care starts at Student Health Center (SHC) as we are your primary care provider. If you need specialty medical care, special imaging modalities (e.g., MRI, CT, Ultrasound, PET) or other services not offered at SHC, you will be referred to an in-network community provider. Non-SHIP students are also eligible for all services at SHC. However, non-SHIP students must pay for services as SHC does not bill 3rd party insurance plans other than the USHIP or GSHIP plans.

Referrals to Non-SHC Providers for Medical Care

If necessary, your SHC provider will refer you for specialty care treatment, special imaging modalities or other services that are not offered at SHC. Appointments with non-SHC providers must be pre-authorized by the SHC Insurance Services Department. Care outside of SHC is coordinated by your SHC provider and the Insurance Services staff will provide referral authorizations for covered services to ensure that your claims are processed and paid accurately. SHC is the designated primary care provider (PCP) for all students enrolled in UC SHIP. Referrals to an outside PCP will not be approved unless there are extenuating circumstances (e.g., student will be away from campus and the immediate campus vicinity for an extended period of time).

The Insurance Services Department will assist you in selecting providers in the community that are in the USHIP or GSHIP preferred provider networks. If you choose to utilize providers or facilities that are not "in-network", then your claims will be paid at the "out-of-network" amount and your out-of-pocket costs will be greater. To find an Anthem Blue Cross Prudent Buyer preferred provider, you can visit Anthem’s website https://www.anthem.com/ca/ or call their customer service number at:

  • (866) 940-8306 (for both USHIP and GSHIP)

or use your UC SHIP Mobile App to access Anthem’s website, your health insurance ID card, SHC and other Wellness, Health and Counseling Services websites and other useful health related information.

How to Locate an Anthem Network Provider

UC SHIP Referral Guidelines and Requirements 

Please refer to the PDF document below for the AY 2020-21 referral guidelines and requirements. The guidelines are the same for both the undergraduate and graduate plans. The referral guidelines have been slightly modified in consideration of COVID-19 and the fact that many students will be distance-learning during one or more terms. Please note that referrals are required for medical care rendered to a student if the student is beyond fifty (50) miles from campus. However, a visit to SHC is not required in order to obtain a referral under these circumstances. If the student is within fifty (50) miles from campus, then it is expected that the student will receive medical care at SHC. Students also require a referral for mental health services rendered outside of SHC. However, the fifty (50) mile "rule" does not apply to mental health services. In other words, if students are within fifty (50) miles from campus, there is no expectation nor a requirement that the student be seen by a mental health provider at SHC. Exceptions to the referral requirements are referenced below and in the document. 

Students who are planning to be away from campus for extended periods of time due to remote learning or for other reasons (e.g., internships, fellowships, study abroad, foreign travel, etc...) should visit the Anthem website to select in-network primary care, specialty care, hospital, urgent care and other providers who are in the locality in which they'll be visiting or staying. Students are then asked to provide SHC Insurance Services department with the provider contact information (e.g., name, address, telephone and fax numbers) prior to scheduling appointments to ensure that referral authorizations are sent to the providers in advance of services being rendered. For study abroad and foreign travel for any purpose, students are strongly encouraged to contact Anthem's BlueCard PPO Program  prior to travelling abroad in order to effectively plan for and/or make arrangements for medical care should it become necessary.

Exceptions to the Referral Requirements

All non-emergency services provided outside of SHC must receive a "referral authorization" from SHC subject to the referral requirements or your claim will be denied. The following medical services DO NOT require a referral authorization from Student Health Center:

  • Services provided in a hospital emergency department or urgent care center for treatment of a sudden, serious or acute medical or mental health injury, illness or condition. The student must return to the SHC for necessary follow-up care unless the student is living out-of-area and remote learning due to COVID-19.
  • When services are rendered by non-SHC providers during Winter Break. Although a referral is not required, students are strongly encouraged to delay seeking medical treatment for non-urgent and non-emergency conditions until SHC reopens particularly if the student has not consulted with their SHC primary care provider. However, students should not delay non-urgent/non-emergency care if they are living out-of-area and remote learning due to COVID-19.
  • Pharmacy services
  • Obstetrical or gynecological care
  • Treatment of Mental Conditions
  • Dental services
  • Optometric (Vision) services
  • Pediatric services​

Dual Health Insurance Coverage and Coordination of Benefits

For both the undergraduate plan (USHIP) and graduate plan (GSHIP), services provided at SHC will be billed exclusively to Anthem Blue Cross regardless of whether you have dual coverage through another plan in addition to UC SHIP. Services performed at the Student Health Center are primary to any other coverage. For services that are not performed at the Student Health Center, the coverage under this Plan is secondary coverage to all other plans (including Medicare), with the exception of Medi-Cal, MRMIP, and TRICARE. If you are covered by more than one health plan, your benefits under this Plan will be coordinated with the benefits of those other plans. These coordination provisions apply separately to each Member, per Plan Year, and are largely determined by California law. Any coverage that you have for medical or pediatric dental benefits will be coordinated as indicated in the Plan Benefit Booklet.

Financial Aid and UC SHIP

Please check with UCI's Office of Financial Aid and Scholarships (OFAS) to confirm if your financial aid award includes the cost of the UC Student Health Insurance Plan. It is important to note that, on an annual basis, all students are automatically enrolled in and assessed the fees associated with UC SHIP during the Fall fee assessment period. Fee assessment typically occurs within the late July to early August timeframe. In addition, please note that, if you waive out of UC SHIP because you have other health insurance that meets UC's waiver criteria, then the amount of the fees associated with UC SHIP is retained by OFAS. This dollar amount is NOT retained by the student to be used for other expenses. Rather, the funds are distributed to other students who do not have other health insurance and wish to be enrolled in UC SHIP. For more information, please visit the OFAS website.

Managing your plan

It is very important that you keep your address updated with the Office of the University Registrar as this is the same address that UC SHIP utilizes. When you move or go away for the summer, please remember to update your address with the University Registrar.