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Student Insurance

UChicago Campus

COVID-19 Information

  • UnitedHealthcare StudentResources (UHCSR) has issued new information on coverage related to COVID-19. In particular, UHCSR will be waiving cost-sharing for telehealth services by in-network providers between 3/31/2020 and 6/18/2020 for both COVID-19 and non-COVID-19 telehealth visits. More information can be found on UHCSR's FAQ page
  • 2020-21 Coverage (9/1/20 – 8/31/21): We will share information about the 2020-21 enrollment/waiver process once the University has made announcements about broader plans for the Autumn Quarter. We anticipate the enrollment/waiver site opening on or around August 3. Please contact the insurance staff with questions about Autumn Quarter coverage or enrollment processes. 


  • Effective immediately, the $50 non-referral deductible will be waived through Spring Quarter. This means a referral is not required before seeking care or treatment from a provider outside of UChicago Student Wellness. We still encourage you to contact UChicago Student Wellness if you would like advice on seeking speciality care or for recommendations on medical or mental health providers outside of UChicago Student Wellness. 
  • Watch this year's video on the student insurance requirement.

The University 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 (or, if the student will not be in Chicago, it must provide this coverage wherever the student will be residing and studying during the academic year). In keeping with this requirement, each year all students registered in an insurance-required program are enrolled in the University Student Health Insurance Plan (U-SHIP). Students wishing to waive out of U-SHIP coverage must review the comparable coverage checklist and 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 in U-SHIP through the end of the plan year, and thus will be responsible for the annual premium, which is billed in three installments.

For further details on the policy, please refer to the Student Manual.

The U-SHIP premium is billed on your student account in three installments, generally on the Autumn, Winter, and Spring quarterly bills. Please note, you will be automatically assessed a health insurance fee on your Bursar bill the first quarter you are registered in the academic year (see billing cycle info below); this does not mean you've enrolled/confirmed your coverage in U-SHIP. The fee will only be removed if you successfully complete a waiver. Regardless of which quarter a student enters the University, the Spring Quarter premium provides coverage from the start of Spring Quarter through August 31. Students whose first quarter of enrollment is Summer Quarter will be billed for that period’s premium on their Summer bill.

It should be noted that students in insurance-required programs are assessed a fee each quarter which provides access to UChicago Student Wellness, from where students on U-SHIP must obtain referrals to seek care (per condition, not per visit) outside of UChicago Student Wellness. Without a referral, an additional $50 non-referral deductible will be applied for each appointment provided outside of UChicago Student Wellness. 

Annual Premium Summer Only
Student  $4,566 $885
Spouse/ Eligible same-gender domestic partner $4,566 $885
Child $4,566 $885
Two or more children $9,078 $1,760
Spouse/ Eligible same-gender domestic partner + two or more children $13,590 $2,635
  • If your first quarter is Autumn, you will be assessed three installments on your Bursar bill (Autumn, Winter, Spring quarters).
  • If you first quarter is Winter, you will be assessed two installments on your Bursar bill (Winter and Spring).
  • If your first quarter is Spring, you will be assessed one installment on your Bursar bill (Spring).
  • U-SHIP coverage continues through to August 31st but students do not pay a summer premium unless summer is your FIRST and/or ONLY quarter of registration at the University.

The chart below indicates which quarters your student account will be charged, based on the first quarter you are registered:

First Quarter Registered in the academic year Autumn Quarter Winter Quarter Spring Quarter Summer Quarter
Autumn x x x included in spring premium
Winter x x included in spring premium
Spring x included in spring premium
Summer x

The University Student Health Insurance Plan (U-SHIP) is underwritten by UnitedHealthcare Insurance Company and is administered by UnitedHealthcare Student Resources. More information about benefits and coverage can be found at the below links. Note: Materials for 2020-21 will be available later this summer. 


Description In-Network Out-of-Network
Deductible Amount you pay for medical costs, before U-SHIP begins to pay for covered services. $500 $1000
Annual out-of-pocket maximum Amount you pay out of pocket before U-SHIP pays 100% for covered health benefits, subject to any benefit maximums or limits that may apply. (Applicable co-pays and deductibles will be applied to out-of-pocket maximums.) $1500 $2500
Co-Insurance The percentage of covered medical expenses that you are responsible for.  10% (plan pays 90% after deductible has been met) 30% (plan pays 70% after deductible has been met)
Co-pay for doctor/specialist visit Specified dollar amount you pay for certain covered medical expenses $20 per visit; co-insurance applies Co-insurance and deductible apply
Co-pay for psychotherapy with Student Counseling Services community providers Specified dollar amount you pay for psychotherapy with SCS providers. (SCS referral required) $10
Prescriptions paid by co-pay Tier 1: $10; Tier 2: $25; Tier 3: $40 No Benefit

If you're enrolled in one of the following programs, you can opt-in to U-SHIP by purchasing annual only coverage directly through UnitedHealthcare StudentResources (UHCSR). For students whose first quarter of registration is Winter Quarter, your coverage will become effective the date premium is received by UHCSR or January 1, 2020, whichever is later. Coverage will continue until August 31, 2020. 

  • Booth School evening and part-time programs
  • Social Service Administration evening and post-Masters certificate programs
  • Harris School of Public Policy: Part-time Evening Master's Program
  • Graham School of Continuing Studies (following programs only):
    • Master of Liberal Arts
    • Master of Science in Analytics (part-time program)
    • Master of Science in Threat and Response Management
    • Master of Science in Biomedical Informatics
    • Returning Scholars

Enrollment must occur the first quarter of registration for the year (usually Autumn Quarter) and will remain enrolled through August 31st of that plan year. Students voluntarily enrolled in the opt-in plan are not permitted to terminate U-SHIP mid year. 

Students who have purchased opt-in coverage are not assessed the student services fee and thus are not eligible to visit UChicago Student Wellness for a referral. Students who opt-in to U-SHIP are not required to receive a referral from UChicago Student Wellness prior to visiting a provider, and are not charged the $50 non-referral deductible.

For questions about opt-in (voluntary) enrollment, please contact the on-campus insurance coordinators at 773.834.4543 (Option 2) or uchicagoadvocates@uhcsr.com.

Upon termination of U-SHIP coverage, if a student was enrolled in U-SHIP for at least six (6) consecutive months prior to termination, that student is eligible to enroll in continuation coverage for up to three (3) months. Please download and complete this form to enroll. 

Students who arrive on campus before the beginning of the University's Autumn Quarter may have a gap between their matriculation date and the start of the U-SHIP, which begins on September 1. For students who want/ need health insurance during the month of August, there is the OPTION of enrolling in coverage directly with UnitedHealthcare Student Resources. Instructions for enrolling will be available at the end of July. Please check back then. 

Additional Information

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