1. UK Student Health Insurance Plan (SHIP)
Emily Duncan
Administrator, SHIP Office

2. Eligibility and Enrollment

3. Who can have SHIP?

4. Funded Graduate Students
Each semester students must be:
Enrolled in the Graduate School (professional students do not qualify)
Degree-seeking
In UK payroll with an assignment as a full-time TA, RA, GA (20 hrs. per week), or qualifying institutional fellowship recipient
Automatic enrollment
No cost to student

5. International Students
Insurance is mandatory for international students on F1, J1, or J2 visas.
Automatically enrolled, cost is automatically applied to your student tuition bill
The charge for fall 2015 semester is $823.
The charge for spring/summer 2016 will be $1,343.

6. Funded international students
SHIP Office processes eligibility, the premium is paid by the Graduate School Funding Office (Judy Nave).
Allow one month for processing

7. International “waivers”
Outside plan from government sponsor or employer may apply to “waive,” or cancel, SHIP online via uky.myahpcare.com.
Waiver application deadlines apply.
9/22/15 for fall
2/22/16 for spring/summer

8. Voluntary Purchase
Graduate students enrolled in any number of credit hours
Undergrads enrolled in at least 6 credit hours
$2,166 for 12 months of coverage
Any participating student can enroll dependents

9. Plan Structure

10. Deductible
“Deductible” is the amount you pay before your insurance will pay their portion. Who pays first?
$0 at UHS Providers
$100 at UK Providers
$500 at United Providers
$1,000 at Out-of-Network Providers

11. Coinsurance
“Coinsurance” is the percentage of medical expenses you pay.
0 % at UHS!
20% at UK Providers
35% at United Providers
50% at Out-of-Network

12. Using the Plan

13. When does coverage begin?
Coverage begins August 15th
The insurance year is broken into two parts:
Fall 8/15/15-12/31/15
Spring/Summer 1/1/16-8/14/16

14. My Account UnitedHealthcare/StudentResources “My Account”
from
System includes:
ID Cards
Claim letters
EOB statements

15. Not a golden ticket… Limitations and exclusions
Using the Emergency Room
Beware of “helpful” advice

16. uky.myahpcare.com
Read the certificate brochure
Find network providers

17. Huh? Refer to your Certificate Brochure Call for help:
AHP customer service agents for enrollment questions
UnitedHealthcare/StudentResources for claims/benefits
Contact SHIP Office
Graduate School 1:00-3:00

18. Recap
Watch for an from to get ID card through My Account
UK’s physicians and pharmacies will save you money
SHIP is not a golden ticket, know how to locate your resources
Ask questions as preparation instead of panic

19. CHEESE! uky.myahpcare.com
Academic HealthPlans (AHP) Enrollment/Waivers
UnitedHealthcare/StudentResources (UHCSR) Benefits/Claims
Watch for “My Account” invitation from
UK SHIP Office
Open office hours Wednesdays 1:00-3: Gillis Building
Enrollment deadlines for voluntary and dependents (9/15/15 & 1/31/16)
Waiver deadlines for international students with other plan (9/22/15 & 2/22/16)