Janice Lozano
The University of Chicago is a private, nondenominational, culturally rich, and ethnically diverse co-educational research university located in Hyde Park, Chicago. The University Student Health Insurance Plan (U-SHIP) is available to all registered students enrolled in programs that convene on the Hyde Park Campus, as well as their eligible dependents. Students in certain designated programs may not be eligible for coverage under U-SHIP. Students who are no longer in an eligible status or who are no longer actively registered in their program will have their U-SHIP coverage terminated at the conclusion of the last quarter in which they were actively enrolled. Students who wish to waive U-SHIP coverage must affirm possession of alternate comparable coverage before the enrollment/waiver deadline. Upon termination of U-SHIP coverage, students who were enrolled in U-SHIP for at least six consecutive months prior to termination are eligible to enroll in continuation coverage for up to three months.
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What You'll Learn
UChicago requires grad students to have health insurance
The University of Chicago, a private, nondenominational, culturally rich, and ethnically diverse coeducational research university, requires all registered students to carry adequate health insurance. This includes graduate students. The University Student Health Insurance Plan (U-SHIP) is available to all registered students enrolled in programs that convene on the Hyde Park Campus and their eligible dependents. Students in certain designated programs may not be eligible for coverage under U-SHIP.
UChicago requires all registered students to carry adequate health insurance to cover, among other costs, hospitalization and outpatient diagnostic, testing, and surgical procedures. Additionally, the insurance must cover medical care provided in the Chicago area for both emergency and routine, non-emergency medical situations. If a student will not be in Chicago, the insurance must provide this coverage wherever the student will be residing and studying during the academic year.
Students who are eligible to waive U-SHIP coverage and wish to do so must affirm possession of alternate comparable coverage before the enrollment/waiver deadline. Students who do not enroll in or waive the student insurance plan by the deadline will, by default, be enrolled in U-SHIP and remain enrolled through the end of the plan year, and thus will be responsible for the annual premium, which is billed quarterly.
U-SHIP is a platinum-rated plan by the Affordable Care Act, and it is a plan with extensive benefits, a nationwide network of providers, international coverage, access to telemedicine, and a low annual deductible and out-of-pocket maximums. Students on U-SHIP are also eligible for a low out-of-pocket cost option for psychotherapy services from providers on the Student Wellness Community Provider List (CPL).
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Grad students can enrol in UChicago's U-SHIP insurance plan
The University of Chicago requires all registered students to have adequate health insurance. This includes graduate students. Students who do not have insurance can enrol in the University Student Health Insurance Plan (U-SHIP).
U-SHIP is generally available to all registered students enrolled in programs that convene on the Hyde Park Campus and their eligible dependents. Students in certain designated programs may not be eligible for coverage under U-SHIP. For information on specific University programs of study that are ineligible for insurance coverage under U-SHIP, students should contact their area Dean of Students Office or the Registrar.
U-SHIP does not include coverage for dental or vision except in the event of certain injuries or illnesses. Voluntary dental and vision plans are available to all students regardless of U-SHIP enrollment for an additional cost. Students may enrol during open enrollment, which occurs twice a year for vision and dental – at the beginning of the academic year and during the Winter Quarter.
Students who do not enrol in or waive U-SHIP coverage by the deadline will be automatically enrolled in U-SHIP by default and will remain enrolled for the entire plan year. They will also be responsible for the full cost of the insurance premium.
Students who graduate at the end of Autumn or Winter quarters will have their U-SHIP coverage terminated at the conclusion of the quarter in which they graduate. Students who are no longer eligible for U-SHIP (due to graduation or not returning in a U-SHIP-eligible status) may enrol in Continuation Coverage for up to 3 months, provided they were enrolled in U-SHIP for 6 consecutive months before becoming ineligible. Students must enrol within 31 days of their current coverage expiring, and may purchase one month at a time ($422 per month). Payment is made directly to UnitedHealthcare StudentResources.
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PhD students must enrol in U-SHIP, with no option to waive
The University of Chicago is a private, nondenominational, culturally rich, and ethnically diverse coeducational research university located in Hyde Park, Chicago. The University Student Health Insurance Plan (U-SHIP) is available to all registered students enrolled in programs that convene on the Hyde Park Campus, as well as their eligible dependents. Students in certain designated programs may not be eligible for coverage under U-SHIP.
U-SHIP is a platinum-rated plan by the Affordable Care Act, with extensive benefits, a nationwide network of providers, international coverage, access to telemedicine, and a low annual deductible and out-of-pocket maximums. Effective September 1, 2021, U-SHIP enrollment is mandatory for all PhD students at the University of Chicago, with no option to waive. This means that PhD students must enrol in U-SHIP and cannot opt out, even if they have comparable insurance coverage.
The University of Chicago requires all students to have medical insurance or show proof of coverage while enrolled. Students must enrol in or waive U-SHIP annually. U-SHIP coverage continues through to August 31st, and students do not pay a summer premium unless the summer is their first and/or only quarter of registration at the University. Students who graduate at the end of the Autumn or Winter quarters will have their U-SHIP coverage terminated at the conclusion of the quarter in which they graduate.
Students who are no longer eligible for U-SHIP due to graduation or not returning in a U-SHIP-eligible status may enrol in Continuation Coverage for up to three months, provided they were enrolled in U-SHIP for six consecutive months before becoming ineligible. Students must enrol within 31 days of their current coverage expiring, and payment is made directly to UnitedHealthcare StudentResources. Students who purchase Continuation Coverage are not eligible to visit UChicago Student Wellness.
In addition to the benefits mentioned earlier, U-SHIP enrollees are eligible for a low out-of-pocket cost option for psychotherapy services from providers on the Student Wellness Community Provider List (CPL). For a $10 co-pay per visit (with deductible and co-insurance not applicable), U-SHIP enrollees may access psychotherapy services from a diverse network of providers in the Chicagoland area.
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Students can waive U-SHIP if they have comparable coverage
The University of Chicago requires all students to have medical insurance or show proof of coverage while enrolled. Students who are already covered by other health insurance, such as through an employer or their parents' coverage, can waive the University Student Health Insurance Plan (U-SHIP) if they have comparable coverage. This means that their insurance plan must meet a range of criteria, including providing primary care within 50 miles of campus and not limiting the amount payable for any injury or illness during a lifetime.
To waive U-SHIP, students must affirm possession of alternate comparable coverage before the enrollment/waiver deadline. Students who do not enroll in or waive the student insurance plan by the deadline will be enrolled in U-SHIP by default and will be responsible for the annual premium, billed quarterly. The waiver process can be started by submitting an online waiver form by the appropriate deadline. There is a fee for late forms, and forms will not be accepted after the first day of instruction. Students will be required to upload a copy of their medical ID card and insurance policy (international students) to submit their waiver.
Students who are no longer eligible for U-SHIP due to graduation or not returning in a U-SHIP-eligible status may enroll in Continuation Coverage for up to three months, provided they were enrolled in U-SHIP for six consecutive months before becoming ineligible. Students must enroll within 31 days of their current coverage expiring, and payment is made directly to UnitedHealthcare StudentResources.
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Students can enrol in GradGuard College Renters Insurance
The University of Chicago requires all students to have medical insurance or proof of coverage while enrolled. The University Student Health Insurance Plan (U-SHIP) is available to all registered students enrolled in programs that convene on the Hyde Park Campus and their eligible dependents.
In addition to health insurance, students can also enrol in GradGuard College Renters Insurance. This insurance covers personal property and liability coverage. With personal property coverage, students' belongings are protected from financial losses due to covered perils such as theft, fire, smoke, sprinkler issues, vandalism, wind, and more, no matter where they are in the world. For example, if a student's bicycle is stolen or their computer is damaged after a burst pipe in their residence hall, GradGuard College Renters Insurance will cover it. The standard deductible is $100 and only applies to personal property coverage.
Liability coverage can protect a student's living space against unexpected events like a fire or sprinkler issues. Liability also helps if a student is found legally liable for damage done to the property they are staying at.
GradGuard College Renters Insurance is designed for students. Your rates won't go up if you file a claim, there are no sub-limits on electronics coverage, and there is no penalty for depreciation. Everyone on campus receives the same price, regardless of their credit history.
GradGuard also offers tuition insurance, which can protect up to 100% of a family's education investment should a student withdraw for a covered medical reason as advised by a licensed medical professional for the covered term.
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Frequently asked questions
U-SHIP stands for The University Student Health Insurance Plan. It is available to all registered students enrolled in programs that convene on the Hyde Park Campus and their eligible dependents.
After paying the premium, students are responsible for meeting the annual deductible ($400) before insurance covers additional medical costs. After the deductible is met, students are responsible for a percentage of the cost of obtaining medical care (co-insurance).
Students who were enrolled in U-SHIP for at least six consecutive months prior to termination are eligible to enroll in "Continuation Coverage" for up to three months. Payment is made directly to UnitedHealthcare StudentResources and must be received no more than 31 days from the date prior coverage is terminated.
