Health Insurance Requirements

The University of the Pacific is committed to the health and well-being of our students. Students must have comprehensive health insurance while attending school.

All students defined below are eligible for SHIP (Student Health Insurance Plan). Your student account is automatically billed every Fall and Spring. To remove the charges, eligible students in the fall must submit the online waiver to show proof of a comprehensive health insurance BEFORE THE START OF EACH NEW ACADEMIC YEAR IN THE FALL. Spring waiver is for newly eligible students only. Newly eligible students in Spring must submit the spring waiver then resubmit annually in fall. Approved annual waivers are valid for the entire academic year.

• Undergraduate and PharmacyD Students enrolled in 9 or more units
• International Students, Dental Students, Graduate Students enrolled in 1 or more units
• Law Students enrolled in 6 or more units
• Advanced Education in General Dentistry (AEGD): all residents

This policy excludes fully online, off-campus, external partnership programs, therefore, students are not eligible for SHIP.

• MSL Online
• LLM Online
• Organizational Leadership
• Healthcare Administration and Leadership
• Doctor of Medical Science (DMSc) and Doctor of Health Science (DHSc)
• MBA Online
• MS Cybersecurity Online
• JSD Candidacy
• Pacific Global formerly UOPI
• BATTI, REACH, CAPSES, 12M - Benerd College Education Programs

Per insurance carrier requirement, students enrolled in SHIP at the start of the academic year (Fall) will have no option to cancel mid-year unless they graduate, enter the armed forces or become ineligible.

To waive or actively enroll, log on to gallagherstudent.com/uop using your MyPacific username and password.

For general information about SHIP visit Gallagher Student Health or call Gallagher Customer Service at 833.233.0764.

The Insurance Office:

1041 Brookside Road Cowell Wellness Center Room 218

Tel no. 209-946-2027; 209-946-2315 option 7

Health Insurance Waiver

Per insurance carrier requirement, students enrolled in SHIP at the beginning of the academic year (Fall) will have no option to cancel mid-year (Spring) unless they graduate, enter the armed forces or become ineligible.

2024-25 Annual Waiver Period

June 3, 2024 to July 31, 2024 — Dental and AEGD programs
June 3, 2024 to Sept 6, 2024 — Graduate, Law, Professional, Undergraduate programs

Annual waiver final deadline. Comes with $100 late fee. NO EXCEPTIONS.

Aug 30, 2024 — Dental and AEGD programs
Sept 30, 2024 — Graduate, Law, Professional, Undergraduate programs

Spring 2024 Waiver Period (newly eligible students only)

December 2, 2024 to January 31, 2025

Spring waiver final deadline. Comes with $100 late fee. NO EXCEPTIONS.

February 28, 2025

Health Insurance Waiver Requirements:

Your health insurance plan must meet or exceed ALL of the following criteria in order to qualify for a waiver.

All degree-seeking international students MUST enroll in SHIP unless they are sponsored by the Saudi Arabian Cultural Mission (SACM) or covered by an employer sponsored plan in the United States.

• All plans must have unrestricted access to in-network local doctors, inpatient and outpatient hospitals, pharmacies, specialists, behavioral health professionals, lab work, diagnostic x-rays, and other health care providers in emergency and non-emergency situations within your campus area or place of residence while attending school
• No dollar maximum limit for medical benefits
• Coverage for the entire academic year
• Must be a U.S. based insurance company
• Must have medical evacuation of $50,000 and repatriation of remains of $25,000 (additional requirement for International Students)

The following are NOT acceptable and will NOT be considered:

• California Medi-Cal and state Medicaid plans that do NOT have assigned benefit coverage in your campus area
• International insurance plans underwritten in a country outside of the United States
• Short term medical plans that are available to purchase on a weekly or monthly basis
• Reimbursement plans
• Ministry cost-sharing

Student Health Insurance Plan

Anthem SHIP (Student Health Insurance Plan) Highlights

• Fully compliant with the Affordable Care Act (ACA)
• Unlimited policy year maximum
• Annual deductible of $300 In-Network and Out-of-Network
• Preventive services covered at 100%, deductible waived
• In-Network services covered at 80%
• Anthem Dental Complete Plan with dental benefit maximum of $1,000
• EyeMed Blue View Vision with $150 allowance for frames or contact lenses
• Prescription drug coverage with low copayments: $15 for generic, $30 for brand, $50 for specialty
• Worldwide travel assistance services through GeoBlue

Losing your health insurance? Log in at gallagherstudent.com/uop > plan summary > enroll in qualifying life event. Application must be submitted within 30 days from the qualifying life event date.

2024-2025 Cost and Coverage Dates

Annual SHIP fees are charged to your student account each Fall and Spring semesters along with your registration fees. Fall and Spring terms provide six months of coverage each. You will be required to pay these fees unless you have an approved waiver each academic year.

The rates include premiums for the plan and commissions and administrative fees. Rates are currently under regulatory review with the state and subject to change.

• Dental (not including Dental Hygiene) and AEGD Residents
  • Annual coverage - July 1st - June 30th the following year
  • Summer - July 1st - September 30th (students graduating in Summer)
  • Cost: $857.50 per quarter ($3,430 annual)
  • Annual coverage - August 1st - July 31st the following year
  • Fall - August 1st - January 31st (students graduating in Fall)
  • Spring - February 1st - July 31st (newly eligible students)
  • Cost: $1,715 per Fall and Spring ($3,430 annual)
  • Annual coverage - July 1st - June 30th the following year
  • Fall - July 1st - December 31st (students graduating in Fall)
  • Spring - January 1st - June 30 (new cohorts)
  • Cost: $1,715 per Fall and Spring ($3,430 annual)
  • Annual coverage - August 1st - July 31st the following year
  • Fall - August 1st - January 31st (students graduating in Fall)
  • Spring - February 1st - July 31st (newly eligible students)
  • Cost: $1,715 per Fall and Spring ($3,430 annual)
  • Annual coverage - August 1st - July 31st the following year
  • Fall - August 1st - January 31st (students graduating in Fall)
  • Spring - February 1st - July 31st (newly eligible students)
  • Cost: $1,356 per Fall and Spring ($2,712 annual)
  • ** Please note: New international students in Spring and UOPI students matriculated to Pacific in Spring have an effective date of January 1 through June 30. Annual SHIP will auto renew July 1 through June 30.

  Dental and Vision

  With SHIP, students receive Dental and Vision benefits at no additional cost.

  SHIP comes with dental benefits at no additional cost. $1,000 annual benefit maximum covers periodic oral exam (2 per 12 months), teeth cleaning (2 per 12 months), bitewing x-rays (1 set per 12 months) at 100%. Basic and oral surgeries are covered at 80%. Click here to find in-network dental providers. Search as a guest and select Dental Complete Plan.

  With Blue View Vision, Anthem makes it easier and more affordable for students to take care of their eyes and help catch health issues earlier. Benefits include $15 copay for eye exams per year, $130 allowance for frames and contact lenses per year. For questions, call Anthem at 800-888.2108.

  VOLUNTARY PLANS

  Voluntary Ameritas Month to Month Dental PPO — Enroll anytime. Go to www.gallagherstudent.com/uop > Plan Details > Additional Products Available > Dental Insurance.

  Enroll at anytime in the month to month plan thru Ameritas Dental PPO for $36.09 per month with maximum yearly benefit of $1,000. It covers dental exams and cleaning at 100% and basic services that include fillings, x-rays, oral surgery and simple extractions at 60-80% (coverage varies by state). Please note, there is a waiting period of 1 year to re-enroll in the plan after cancellation. If you have questions, please call the Ameritas/ACI Customer Service Line at 855-672-3232 or email enrollmentservices@visit-aci.com.

  Voluntary EyeMed Vision Plan — Enroll anytime. Go to www.gallagherstudent.com/uop > Plan Details > Additional Products Available > Dental Insurance.

  Vision health is important to your educational success. Our voluntary vision insurance plan makes it easier and more affordable to get eye care. Plans cover exams, and up to $130 for frames and contacts for $10.98 per month. Annual commitment required (coverage not available in the following states: MA, MD, MT, NM, NY, RI, WA, PA (Forest, Huntingdon, Montour and Sullivan counties). If you have questions, please call the Ameritas/ACI Customer Service Line at 855.672.3232 or email enrollmentservices@visit-aci.com.

  Insurance Cards

  Your insurance card is available online anytime. Below are ways on how to get your electronic insurance card. To request for a physical card in the mail, kindly call Anthem directly at 800.888.2108.

  • Sign up at anthem.com/ca using your Pacific Student ID.
  • Go to gallagherstudent.com/uop and enter your PacificNet username and password. Go to "Account Home" to view and print a verification letter that contains your Anthem member id.
  • Through the Anthem Anywhere App. Download the app from the App Store or Google Play.

  Pharmacy Electronic Claims Information:

  RxBin: 020099
  RxPCN: WG
  RxGRP: WLHA

  If you have moved but did not update your mailing address, any mailings you receive from Anthem Blue Cross will be sent to the "Mailing/Current Address" on file. To verify or change your address, log in to your account at gallagherstudent.com/uop.

  When you register an Anthem online account, you have access to all the features listed below that will make your life easier.

  • Find a doctor. Search for a doctor, specialist, urgent care or hospital close by
  • Get your ID card. Share, fax, or email your ID card right from your smartphone.
  • Estimate your costs. See what nearby doctors and facilities charge for a procedure. You can compare them on cost and quality.
  • Manage prescription benefits. Check the cost of drugs, get refills or switch to our home delivery program.
  • Access your Health Record. View your Health Record and share with your doctors whenever you go.

  Insurance After Graduation

  If you are enrolled in the Anthem Blue Cross PPO, Student Health Insurance Plan (SHIP) and are graduating, you have 45 days from the termination of the plan to enroll in the continuation plan with Anthem for either 3 or 6 months. If you enroll in only 3 months and decide later you would like 6 you will not be able to do so, so make your enrollment decision carefully. You will enroll directly with Gallagher Student Health and Special Risk by emailing their Customer Service Department.

  2023-24 Continuation Plan Premiums

  3-month continuation	6-month continuation
  Undergraduate Students	$651	$1,319
  Dental/Graduate/Law/Professional Students	$823	$1,663

  Continuation plan form is online only. To submit, go to www.gallagherstudent.com/uop. Under 'Resources' click 'Continuation Form'. Fill out the form and submit for Gallagher's review. After review, you will be given a link to submit payment.

  HealthCare.gov's 3 health insurance options for new college graduates:

  • If you're under 26. If a parent's health insurance plan covers dependents, you can be added to their plan and stay on it until you turn 26. Learn more about getting on your parent's plan
  • Purchase a Marketplace plan. If you have a life event - like moving to or from the place you attended school, or losing other health insurance (like dropping off a student plan or your parents' coverage) - that qualifies you for a Special Enrollment Period.
  • Get Medicaid, if you qualify. If you're working part time or aren't making much money, you may qualify for Medicaid. If you qualify, coverage can start right away, any time of year.