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 that covers students 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.
- 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.
Student Health
Students are encouraged to take advantage of Student Health when they need care on campus.
Non-participating Providers
Providers who do not accept the Alliance Select PPO. This may result in higher out-of-pocket costs.
Costs
Unless otherwise noted, student insurance plan rates are effective from September 1 through August 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 to review the provisions, such as copay amounts, coinsurance, out-of-pocket maximums, and pharmacy coverage.