Student Affairs

Academic Affairs Division

SHIP Frequently Asked Questions

1. Are all USG students required to have health insurance?

No. Only the following student groups are required to have proof of health insurance:

  • All graduate students receiving a Full Tuition Waiver as part of their graduate assistantship award.
  • All undergraduate, graduate and ESL international students holding F or J visas.
  • All undergraduate and graduate students enrolled in programs that require proof of health insurance.
  • All graduate students receiving fellowships that fully fund their tuition.
  • All International Scholars.

2. Is there an option to purchase health insurance for students who do not fall in the mandatory groups?

Yes, any student not in one of the above mandatory categories are eligible to purchase health insurance if they are (a) enrolled in six (6) or more semester hours or (b) participating in Cooperative Education Programs. (See question 12.)

3. Where can I find information about my institution’s USG-SHIP insurance plan?

The Board of Regents of the University System of Georgia has contracted with UnitedHealthcare StudentResources to provide student health insurance. For more information about your health insurance visit UnitedHealthcare StudentResources at their web site or call 1-866-403-8267.

A list of USG-SHIP representatives at each institution.

4. Are students in the mandatory groups (see Question #1) required to purchase their insurance from UnitedHealthcare StudentResources?

No, if you are a student that is in one of the mandatory groups, you are simply required to have coverage. If the student can demonstrate that they have a qualifying policy through a spouse or employer, or other source they may request to waive participation in the USG-Student Health Insurance program.

5. How much will the Mandatory Plan cost?

Consult your campus representative for premium information for individual students in the Mandatory Plan.

6. If I have a Mandatory Plan, may I purchase health insurance coverage for my spouse and children?

Yes, you will need to contact UnitedHealthcare StudentResources directly to purchase coverage for your spouse and children. or call 1-866-403-8267.

7. How and when do I pay for the insurance?

Students who are required to have health insurance will automatically be billed each semester and the charge will appear on their account along with tuition and other fees.

8. What if I have insurance, will I be required to also purchase one of the mandatory plans?

Students who can demonstrate that they have a qualifying policy through a spouse or employer, or other source may request to waive participation in the USG- Student Health Insurance program. To determine if the policy qualifies student are encouraged to fill out a request for waiver at:

9. Are all USG institutions required to use UnitedHealthcare StudentResources as their Student Health Insurance provider?


10. If I need treatment and I go to the campus health center can the cost be applied against the USG-SHIP plan deductible?

Students are urged to consult with their insurance provider and the USG-SHIP representative at their institution to determine if their insurance plan considers the campus Health Center to be “In-Network” status and the deductible waived if treatment is rendered.

11. How do I determine if my insurance plan considers the campus Health Center to be “In-Network” status?

Students should contact their health insurance company, PPO (Preferred Provider Organization), or HMO (Health Maintenance Organization).

If the company does not consider the campus Health Center to be “In-Network” status, the student would be required to pay a higher portion, if not all, of the cost of each visit. Students should ask their insurance company, PPO, or HMO to consider including the campus Health Center as “In-Network” status.

12. How much does the Voluntary Plan cost?

For information on the current rates for the Voluntary Plan please check your institutions site on or call and speak directly with a representative from UnitedHealthcare StudentResources at 1-866-403-8267.

13. How do I sign up and pay for the Voluntary Plan?

Students seeking to purchase the Voluntary plan should go to and select their institutions plan and payment options.

14. If I have the Voluntary Plan, can I also purchase health insurance coverage for my spouse and children?


15. How do I file a claim?

Students are encouraged to file claims electronically at:

16. What if I drop out of the program that requires me to participate in the USG Student Health Insurance program?

Students who have purchased insurance at the mandatory rate can continue in the program for the remainder of the academic year at the mandatory rate if so desired. Students who drop out of a program which requires mandatory participation will not be required to reenroll in the insurance program at the next enrollment period.

17. If I am required to purchase the USG-SHIP policy am I still required to pay the student health fee?

Yes. The student health fee enables the institution to provide health services to all students and all students are encouraged to use the services provided.

18. I have been approved for a waiver but will be participating in a study aboard program sponsored by non-USG institution and my policy does not cover me if I am out of the country. Can I purchase travel assistance insurance?

Yes, UnitedHealthcare offers travel assistance insurance (medical evacuation and repatriation) for students participating in the USG-SHIP and faculty participating in a study aboard program.

19. I am graduating in May, can I receive a refund for the summer term?

Students who graduate in May will continue to be covered under the mandatory insurance plan through July 31. This is an important added value because it means students will be continue to be covered while making the transition from school to work.

20. I am an international student and I will be taking optional practical training at the end of my program. Can I retain my insurance?

Yes, students who remain under the sponsorship of the institution may retain their insurance for up to two semesters (Fall and Spring/Summer). Dependents on the plan may also be continued for the same period.

21. Is the student health insurance cost covered by financial aid?

For students in the mandatory groups the cost of the premium will be included in the cost of attendance on which their financial aid eligibility is based.

22. What is the enrollment period?

The effective date for the academic year for our institutions is August 1. Typically, the enrollment period begins with registration and is open for 31 days after the first day of the effective date. Check with your institution for more accurate dates.

23. When can a student enroll in the USG-SHIP?

Coverage in the plan begins with each semester and students can enroll up to 31 days after the beginning of the term.

24. I understand that the insurance coverage is for a year (Fall, Spring/Summer) and is split by a specific amount each term. What happens if a student enrolls fall but doesn’t return in spring?

If a student is enrolled in one of the Mandatory Plans and does not return for the spring, he/she is given the option to continue the mandatory plans for the spring/summer. For the Voluntary Plan, the student must be eligible for the insurance at the time of purchase.

25. Is the student only billed for Fall and have coverage only in Fall or does that student have full year coverage and must be billed for the Spring fee even though he is not enrolled in Spring?

The mandatory plan is billed to the students by the semester (Fall and Spring/Summer). Therefore, he must waive the insurance in the Fall and the Spring/Summer if he qualifies for the waiver. A student who is on a mandatory plan in the fall, and does not qualify for a mandatory group in the Spring/Summer can take the option to renew under the mandatory plan for the Spring/Summer. However, this option is not covered under tuition billing.

26. What if the student’s first term is Spring? What is the cost then?

There are two terms: Fall and Spring/Summer. These two semesters will equal to the 12 months. The student who starts in the Spring will enroll in the Spring/Summer. If a student has a qualifying event and qualifies for the insurance outside of open enrollment, the premium will be prorated based on the following formula already set up.

Premium Pro-Rations

  1. Fall through October 1 will be full premium. After October 1 the premium amount will be 60% of the fall rate.
  2. Spring/Summer from the effective date through March 1 will be the full premium. After March 1 through May 1 the premium amount will be 72% of the Spring/Summer premium. After May 1 the premium amount will be 43% of the Spring/Summer premium.
  3. The May 1 rate of 43% of the spring/summer rate will act as the summer rate for those students who enroll during the summer semester and meet the eligibility requirements.

The Summer rate will be 43% of the Spring/Summer rate. This formula will be used for the Mandatory Plans and the Voluntary Plan.

27. What if the student’s first term is Summer? How should this student be handled?

Students enrolling in the Voluntary Plan will register online at Students who are required to participate in the Mandatory Plans will have the insurance premium charged to the summer tuition bill.

28. Is Summer considered part of the Spring fee or does it have a separate fee?

For billing purposes Summer is part of Spring/Summer unless the student enrolls for the first time Summer term.

29. I am a student that falls in the mandatory health insurance category, but I also am an athlete, do I need additional coverage?

Yes, you do. UnitedHealthcare has created an optional plan benefit for student athletes (excluding football) that can be added to the USG-SHIP mandatory plans which will provide you with comprehensive medical insurance with either a $10,000.00 or $40,000 ICS benefit; depending which your institution requires. The rider, cost by term, would be assessed twice a year, Fall (August - December) and Spring/Summer (January - July). The rider would pay the same as the student plan; 80% and primary with co pays and deductibles. Just like the mandatory plan, you could waive out of the intercollegiate rider if you have another group plan which will cover participation in intercollegiate sports.