University Benefits Student Insurance

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Student Insurance Eligibility

To be eligible for student health insurance, you must:

  1. be a degree-seeking student AND
  2. be registered for 5 or more credit hours each semester (only applies to undergraduate students)

Your coverage will end on the last day of the month in which you cease to be a student. After graduation from the University of Iowa, or if you are no longer a registered student, you may apply to continue coverage for up to 12 months. 

Two Health Plans to Choose From


The Student Health Insurance Plan (SHIP) is a Blue Cross and Blue Shield plan, which provides coverage for preventive care, hospitalization, surgery, maternity, well-baby/well-child care, emergency care for accidents or illness, medically necessary physician care, prescription drugs, and mental health. 

Providers: You may see any provider you wish. 

More Information on SHIP


The UIGRADCare plan is a comprehensive health care program that covers hospital, medical, surgical, outpatient, and other health care services such as physical therapy. Coverage is also provided for routine physicals, newborn care, well-child checkups, and prescription drugs. 

Providers:  You must use Student Health and/or UI Health Care providers only.

More Information on UIGRADCare

To review both plans side-by-side, visit the SHIP and UIGRADCare Comparison page.

Dental Insurance

Student Dental Plan

All students may receive coverage through the Student Dental plan. Dental care under this plan can be obtained from any provider; however, there are advantages to using participating providers who have contracts with Delta Dental of Iowa, the dental insurance plan administrator.

More Information

The information presented on our website describes only the highlights of the plans and does not constitute official plan documents. Additional terms and conditions may apply. If there are any discrepancies between the information contained herein and the official plan documents, the plan documents will govern. For more detailed information you may contact Wellmark Blue Cross/Blue Shield at toll-free number 800-524-9242 (TTY: 888-781-4262), Monday through Friday from 7:30 a.m. to 5:00 p.m. (Central Time). For more efficient service, please have your member ID number handy - it can be found on the front of your card.