All registered undergraduate and graduate students at UC Irvine are automatically enrolled in UC SHIP. Automatic enrollment is initiated as soon as registration fees are assessed at which time they appear on the student’s campus billing account (see ZOT Account Online). The UC SHIP fee is included in total registration fees. If you are covered by another health insurance plan that complies with UC’s waiver criteria, then you may apply for a waiver.
Before Starting the Online Waiver Application
To waive out of UC SHIP, you must submit a request on-line during the open waiver periods and by the posted deadlines as shown below. If approved, the waiver is in effect for the current term and the remainder of the academic year. A new waiver request must be submitted at the beginning of each academic year. If a waiver deadline is missed, then the student will have dual health insurance coverage for the term and must wait until the waiver period opens for the succeeding term to apply for the waiver. In cases of dual coverage, UC SHIP is always primary insurance and your other coverage becomes secondary. No exceptions are granted if a waiver deadline is missed. The waiver process is managed by USI Insurance Services (formerly Wells Fargo Insurance Services) on behalf of UCI.
Please follow the link below to view the 2018-19 UC SHIP waiver criteria. To satisfy UC's health insurance requirement for registered students, your health insurance plan must meet all of these criteria. Note that all plans must provide unrestricted access to an in-network hospital, primary care provider and mental health provider within 50 miles of the UC Irvine campus or the student’s place of residence while attending school. This requirement applies to all plan types, including Covered California plans. Travel plans will not qualify to be used to waive participation in UC SHIP.
Please complete the Waiver Worksheet first before you go online and complete the actual waiver application. It is strongly advised that you compile your plan information to ensure that you answer the waiver questions accurately. If you don't know the answers to the questions, please call the Member information number or Customer Service number on your insurance card for assistance. Most plan information can be found in your plan benefit booklet, benefits summary, contract, policy, or on the carrier’s website. Incorrect answers could result in delay or denial of your waiver application.
Other Important Information Regarding the UC SHIP Waiver Application Process
IMPORTANT! You can submit the waiver request ONE TIME ONLY. Your insurance coverage will be compared to the UC SHIP criteria and a waiver will be granted or denied based upon the comparison. You will NOT be able to access the waiver system again to make any corrections. Therefore, it is important that you have all of the correct information in advance of submitting the waiver.
Please submit your waiver application as soon as possible following the start of the waiver period. If you wait until the last minute, you risk running into an overloaded computer server system and the potential of being unable to complete the waiver application by the deadline.
Following submission of your waiver application, you will receive an instantaneous response. The last screen of the on-line waiver application process will provide you with approval or denial information. You should print this screen for your records. If your waiver has been approved, fees will be reversed and reflected on the student’s ZOT account usually within ten (10) business days.
You may also check your UC SHIP waiver status on Zot Account Online. If you pay your fees before you have been notified that you have been granted a waiver, be sure you pay the entire fee amount. If you deduct the UC SHIP fee amount from the amount of registration fees that you pay and your waiver request is denied, then you risk having your classes dropped unless you pay the remainder of the fee before the registration fee payment deadline.
Your UC SHIP waiver application may be subject to an audit conducted by USI Insurance Services (USI), UC SHIP’s waiver and eligibility servicing company. Failure to respond with the requested documentation (related to the health insurance plan that you used to waive UC SHIP) may void your UC SHIP waiver. If this occurs, you will be covered by UC SHIP for the applicable term and your ZotAccount will automatically be charged the UC SHIP premium and related fees.
Please note that the USI waiver sites are, on occasion, unavailable for several hours due to routine system maintenance. During these periods, the waiver sites will display a "Site in Maintenance" message.
Dual Health Insurance Coverage
If you remain enrolled in UC SHIP and you are also covered by another health insurance plan, then certain guidelines apply related to coordination of benefits.
For Graduate Student Health Insurance Plan (GSHIP):
For services provided at the Student Health Center, GSHIP is primary coverage to all other insurance plans. For services provided by any provider other than the Student Health Center, GSHIP 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 GSHIP 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. Refer to the Plan Booklet for detailed information.
For Undergraduate Student Health Insurance Plan (USHIP):
USHIP is primary coverage to all other health insurance plans for all services whether provided at Student Health Center or by any other provider. If you are covered by more than one health plan, your benefits under USHIP will be coordinated with the benefits of those other Plans.