IMPORTANT FACTS ON ANTHEM SHIP COVERAGE RELATED TO COVID-19 (pdf, requires sign-in)

Kindly visit your health insurance provider website on how to get care and telehealth information or call the number on the back of your insurance card (pdf, requires sign-in)

Eligibility and Enrollment into SHIP (Student Health Insurance Plan)

The University of the Pacific is committed to the health and well-being of our students.  All students defined below are required to be enrolled in a comprehensive health insurance plan as part of a non academic enrollment requirement. 

Students that have their own comprehensive health insurance and do not want to be automatically enrolled in and billed for the University sponsored Student Health Insurance Plan (SHIP) must submit an online insurance waiver EVERY ACADEMIC YEAR BEFORE THE FALL TERM (summer quarter for dental students). 

Students new to Spring that submitted a Spring waiver need to resubmit in the Fall (annual waiver requirement).

  • Undergraduate and PharmacyD Students enrolled in 9 or more units
  • Dental Students, Graduate Students, International 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 the following off campus, external partnerships and fully online programs, therefore students are not eligible to enroll in SHIP. 

  • MSL Online
  • LLM Online
  • Organizational Leadership
  • BATTI, TCSJ, REACH — Benerd College External Programs
  • UOPI International

Download the insurance waiver information (pdf)

For information about the University of the Pacific's Student Health Insurance Plan (SHIP) including waiver information, benefits, premium costs and claims: Please visit Gallagher Student Health or call our Customer Service Team at 833.233.0764.

Insurance Questions Contact List (pdf, requires sign-in)

Highlights of the 2020-2021 SHIP (Student Health Insurance Plan)

  • Fully compliant with the Affordable Care Act (ACA)
  • Unlimited policy year maximum
  • Annual individual deductible: $300 In-Network and Out-of-Network
  • In-Network services generally covered at 80%
  • Prescription drug coverage with low copayments: $15 for generic, $30 for brand, $50 for specialty
  • Worldwide travel assistance services through GeoBlue

Click to view 2019-2020 Summary of Benefits (pdf)

Losing coverage under another insurance policy and need to enroll in SHIP?  Click here to access Petition to Add Form (pdf).

2020-2021 Cost and Coverage Dates

  • Dental (not including Dental Hygiene) and AEGD Residents - Dugoni School of Dentistry
    • July 1 to Dec. 31 — Summer/Autumn term
    • Jan. 1 to June 30 — Winter/Spring term
    • Cost: $3,450 annual; $862.50 per quarter
  • Graduate and Professional - Stockton, Sacramento, San Francisco
    • Aug. 1 to Jan. 31 — Fall term
    • Feb. 1 to July 31 — Spring term
    • Cost:  $3,450 annual; $1,725 per term

    *Update: Physician Assistant Program and Occupational Therapy Program new cohorts starting January 2020 will have the same coverage dates as Dugoni School of Dentistry

  • Law - McGeorge School of Law
    • Aug. 1 to Jan. 31 — Fall term
    • Feb. 1 to July 31 — Spring term
    • Cost: $3,450 annual; $1,725 per term
  • Undergraduate
    • Aug. 1 to Jan. 31 — Fall term
    • Feb. 1 to July 31 — Spring term
    • Cost:  $2,714 annual; $1,357 per term
  • International Students
    • Cost: $2,714 annual
    • Coverage dates depend on your program.  Please refer to the list above.

*SHIP fees are charged to your student account each term along with your registration fees.  You will be required to pay these fees and will be covered by Pacific SHIP unless you have an approved waiver application on file with the Insurance Office.

Basix Dental and EyeMed Vision Discount Program

University of the Pacific SHIP (Student Health Insurance Plan) offers Wellness Discounts including Basix Dental and EyeMed Discount Program at no additional cost.  Click on the gallagherstudent.com/uop discount and wellness page to learn more.

Voluntary Anthem Dental Complete PPO — Open enrollment June through September 2020. Go to gallagherstudent.com/uop to enroll.

Whether you've waived SHIP or are enrolled and want more dental coverage than the Basix Discount Plan offers, you can choose to purchase the Anthem Blue Cross Dental Complete PPO plan for $324.00 annual with maximum yearly benefit of $1,000.

Voluntary Ameritas Month to Month Dental PPO (pdf) —  Enroll anytime. Plan information and enrollment here.

Enroll at anytime in the month to month plan thru Ameritas Dental PPO for $34.69 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.

Voluntary EyeMed Vision Plan —  Enroll anytime. Plan information and enrollment here.

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.

Students that have their own comprehensive health insurance and do not want to be automatically enrolled in and billed for the University sponsored Student Health Insurance Plan (SHIP) must submit an online waiver every academic year before the Fall term (Summer quarter for Dental students).  Kindly read the health insurance waiver requirement carefully before submitting a waiver. Click 'submit waiver here' below to access the online waiver and enrollment form.  Waiving is an annual process and must be completed every academic year in the Fall.

Fall (annual) waiver deadline:
June 1, 2020 through July 31, 2020 — Dental students
June 1, 2020 through Sept. 4, 2020 — Law, Graduate, PharmD, Undergraduate students
Late Fall waiver deadline: Sept. 28, 2020 subject to a $100 late waiver fee

Spring waiver deadline: (available to new students only)
Dec. 1, 2020 to Jan. 29, 2021
Late Spring waiver deadline: Feb. 26, 2021 subject to a $100 late waiver fee

Per insurance carrier requirement, once a student is enrolled in the policy, the student is enrolled for the duration of the policy year.  Students will have no option to terminate or waive out in the Spring semester unless they graduate or enter the armed forces.

Health Insurance Waiver Requirements:

Your health insurance plan must include ALL of the following in order to qualify for a waiver (Domestic and International Students)

  • The plan must provide coverage for medical evacuation of $50,000 and repatriation of remains of $25,000 (International Students)
  • Coverage for the entire academic year
  • Must be a U.S. based insurance company
  • Coverage for inpatient and outpatient hospitalizations
  • Coverage to local doctors, specialists, hospitals, and other health care providers in emergency and non-emergency situations within your campus area
  • Coverage for lab work, diagnostic x-rays, emergency room treatment, and prescription coverage within your campus area
  • Coverage for inpatient and outpatient mental health, substance abuse and counseling services in your campus area

The following types of insurance plans are NOT acceptable and will NOT be considered:

  • Non-ACA (Affordable Care Act) compliant health care plan
  • Short Term Medical Plans that are available to purchase on a weekly or monthly basis
  • Travel Insurance Plans that are underwritten in a Country outside of the United States
  • California Medi-Cal Health Plans that do NOT have assigned benefit coverage in your campus area
  • Out of state medicaid insurance do not cover students in California
  • Ministry cost-sharing

Important update on insurance cards:  University of the Pacific SHIP medical and dental identification cards are available online.  To request for a physical card, kindly call Anthem directly at 800.888.2108.

  • Go to www.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.

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 www.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.

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.

2019-2020 Continuation Plan Premium

  3-month continuation 6-month continuation
Undergraduate Students $616.43 $1,232.86
Dental/Graduate/Law/Professional Students $821.93 $1,643.86

HealthCare.gov's three 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.

Get more information on health insurance options for young adults.