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Student Insurance

Adding U-SHIP Mid-Year

I’m turning 26 this year and will drop off my parents’ insurance. How do I add U-SHIP mid-year?

How do I find an in-network provider?

Use the "Find Providers" feature on the UChicago page of UnitedHealthcare's website to search for in-network providers. 

What services are covered at Student Wellness?

Most services are covered at Student Wellness at no additional cost. Some services will be billed to your insurance. Students on U-SHIP as well as students with alternate comparable insurance may utilize Student Wellness for their medical and behavioral health needs

Understanding Insurance Terminology

Familiarize yourself with common insurance terms by clicking the glossary link below, or view the Insurance Terminology Infographic.


  • The U-SHIP enrollment/waiver site for new Summer Quarter students is now closed. New students for Summer Quarter in an insurance-required program who did not take action to enroll-in or waive U-SHIP by the June 28th deadline have been enrolled in U-SHIP by default for the remainder of the summer (through 8/31/24).
  • The U-SHIP Enrollment/Waiver site for the 2024-25 policy year will be open the first week of August.  Please check back at that time. Autumn U-SHIP coverage begins 9/1/24.
  • As a reminder, Spring Quarter U-SHIP continues until 8/31/24, even for students who graduate in June or August. 
  • Effective 9/1/21, U-SHIP enrollment is required for all PhD students at the University of Chicago. As such, PhD students are not eligible to waive U-SHIP with comparable coverage. Individual student premiums will be paid for PhD students at no cost to them.
  • U-SHIP Eligibility: The University Student Health Insurance Plan (U-SHIP) generally 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. For additional 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.

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 quarterly.

Effective 9/1/21, U-SHIP enrollment is required for all PhD students at the University of Chicago. As such, PhD students are not eligible to waive U-SHIP with comparable coverage. Individual student premiums will be paid for PhD students at no cost to them.

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

To waive U-SHIP, students must affirm that they have insurance that meets the University’s comparable coverage requirements.

Annual Premium Per Quarter
Student $4,998 $1,666
Student + Spouse/Partner $9,996 $3,332
Student + Child $9,996 $3,332
Student + Spouse/Partner + Child $14,994 $4,998
Student + Spouse/Partner + two or more children $19,878 $6,626

The decision to enroll (including dependents and automatic enrollment by default) or waive U-SHIP coverage is binding for the remaining plan year, with the following exceptions:

  • 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.  (See below for information on continuation coverage.)
  • Students who withdraw, take an approved leave of absence (LOA), or change to any other status that makes them U-SHIP ineligible, will have their U-SHIP coverage terminated (with the exception of students taking a Parental Relief Leave of Absence, which need not affect U-SHIP coverage, or those on a Medical Leave of Absence). Upon return from a U-SHIP ineligible status, students will need to enroll/waive U-SHIP for the remainder of the plan, even if they had waived U-SHIP earlier in the plan year.  Such students are required to enroll/waive U-SHIP before the third Friday of the quarter in which they return.
  • If a student’s registration status is changed to LOA or any other ineligible status at any point after 5 p.m. Central time on Friday of the third week of the quarter and the student was covered by U-SHIP up to the date of the leave, then even though the LOA or change in status is backdated effective to the start of the quarter, U-SHIP coverage will remain in place through the end of the quarter in which the LOA or change in status was processed, with any assessment for premium remaining in effect. 
  • Furthermore, any student who made a claim on their U-SHIP plan during a particular quarter must remain in U-SHIP for the remainder of that quarter, regardless of when the leave of absence or ineligibility becomes effective.  U-SHIP premiums are non-refundable if a student has made claims on the plan at any point during that quarter, nor are premiums pro-ratable. 
  • 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.


For definition of these terms, see the Health Insurance Glossary at studentinsurance.uchicago.edu.

In-Network Out-of-Network
Deductible  $400 $800
Annual out-of-pocket maximum $2,000 $3,000
Co-insurance 10% (plan pays 90% after deductible has been met) 30% (plan pays 70% after deductible has been met)
Prescriptions, paid by co-pay Tier 1: $10
Tier 2: $25
Tier 3: $40
$300 deductible (does not apply to policy deductible), then 50% of bill charge
Co-pay for doctors/specialist visit $20/visit (Co-insurance applies; Deductible does not apply) Both co-insurance and deductible apply
Co-pay for mental health outpatient visit (see exception below) $20/visit (Co-insurance applies; Deductible does not apply) Both co-insurance and deductible apply
Co-pay for psychotherapy with community providers (contact UChicago Student Wellness for more info) $10/visit N/A

Due to an Illinois Department of Insurance mandate eliminating referral requirements for insurance plans like U-SHIP that are considered “Preferred Provider Organizations” (PPOs), effective September 1, 2022:

  • U-SHIP enrollees are not required to obtain a referral from UChicago Student Wellness for medical or psychotherapy services outside of Student Wellness.
  • Eligible students are encouraged to continue to visit Student Wellness for primary care, psychiatry, health promotion, or short-term psychotherapy, and for recommendations on specialty care.  Accessing Student Wellness is a great option for students who need timely access to high-quality care at no additional cost.  For the list of services provided by Student Wellness visit: https://wellness.uchicago.edu/about/services
  • U-SHIP enrollees are eligible for the special $10/visit copay (coinsurance and deductible do not apply) for psychotherapy with providers on the Student Wellness Community Provider list. Contact Student Wellness for more information.

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 3 months, provided they were enrolled in U-SHIP for 6 consecutive months before becoming ineligible. Students must enroll within 31 days of their current coverage expiring, and may purchase one month at a time ($410 per month). Payment is made directly to UnitedHealthcare StudentResources.  

Students who purchase Continuation Coverage are not eligible to visit UChicago Student Wellness. 

To enroll in Continuation Coverage, view My Coverage in your UnitedHealthcare MyAccount. If you have questions please contact the Student Insurance Office at 773-834-4543 (press option 2) or email uchicagoadvocates@uhcsr.com.

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 StudentResources.

The dates of coverage and rates are as follows:

Option 1: August 1-31, $417/student

Option 2: August 19-31, $175/student

For questions about Early Arrival enrollment, please contact the student insurance advocates at 773.834.4543 (Option 2) or uchicagoadvocates@uhcsr.com

All students who are enrolled in U-SHIP have access to the UnitedHealthcare Student Resources (UHCSR) My Account, where they can view their benefits, manage their claims and balances, view their ID card, and more.

Please login using the new link, My Account. Please see the attachment for assistance with the new login process. 

Additional Information

UChicagoSocial: UChicago Student Wellness