Students who are degree-seeking and are registered for 5 or more credit hours each semester (credit hour requirement applies to undergrads only) are eligible to enroll in the University of Iowa's health insurance plans. All undergraduate, international, and health science students must have medical insurance while attending the University. 

The Student Health Insurance Plan (SHIP), administered by Wellmark Blue Cross & Blue Shield of Iowa, is a high-quality student medical plan with coverage in and outside of Iowa. 

Plan Highlights

  • SHIP is part of Alliance Select PPO. Choosing care with a participating provider results in lower out-of-pocket costs for you.
  • Coverage outside of Iowa through the Wellmark Blue PPO network. Out-of-network providers will result in a higher percentage of coinsurance.
  • $0 copay for in-network immunizations, well-child care, and other routine physicals.
  • $150 copay for an Emergency Room (ER) visit.
  • Other covered services include chiropractic, physical therapy, and mental health visits.
  • Medical evacuation and repatriation benefits.
  • Free visits through Doctor on Demand.

Plan Providers

Participating Providers

All hospitals and more than 4,000 physicians here in Iowa are participating providers with Blue Cross & Blue Shield of Iowa.

Find a Provider


Student Health

Students are encouraged to take advantage of Student Health when they need care on campus.

Visit Student Health 

Non-participating Providers

Providers who do not accept the Alliance Select PPO. This may result in higher out-of-pocket costs.

Review your options


Unless otherwise noted, student insurance plan rates are effective from Sep. 1 through Aug. 31 each year. All premiums will be charged monthly to your university bill and must be paid each month by the due date. Please visit the SHIP Rates page to review the current plan rates for SHIP.

Please visit the SHIP Plan Details page if you would like to review the SHIP plan provisions, such as copay amounts, coinsurance, and out-of-pocket maximums.

Pharmacy Coverage

SHIP has a three-tier prescription drug plan under the formulary Blue Rx Value Plus. Find more information on the pharmacy plan on our SHIP Prescription Drug Coverage page. 

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.