Health Insurance Requirements

Per insurance carrier requirement, students enrolled in SHIP at the beginning of the academic year (Fall) will have no option to cancel mid-year (Spring) unless they graduate, enter the armed forces or become ineligible.

2025-26 Annual Waiver Period

June 4, 2025 to July 31, 2025 — Dental and AEGD programs
June 4, 2025 to Sept 5, 2025 — Graduate, Law, Professional, Undergraduate programs

Annual waiver final deadline. Comes with $100 late fee. NO EXCEPTIONS.

Aug 29, 2025 — Dental and AEGD programs
Sept 30, 2025 — Graduate, Law, Professional, Undergraduate programs

Spring 2025 Waiver Period (newly eligible students only)

December 3, 2025 to January 30, 2026

Spring waiver final deadline. Comes with $100 late fee. NO EXCEPTIONS.

February 27, 2026

Health Insurance Waiver Requirements:

Your health insurance plan must meet or exceed ALL of the following criteria in order to qualify for a waiver.

All degree-seeking international students MUST enroll in SHIP unless they are sponsored by the Saudi Arabian Cultural Mission (SACM) or covered by an employer sponsored plan in the United States.

• All plans must have unrestricted access to in-network local doctors, inpatient and outpatient hospitals, pharmacies, specialists, behavioral health professionals, lab work, diagnostic x-rays, and other health care providers in emergency and non-emergency situations within your campus area or place of residence while attending school
• No dollar maximum limit for medical benefits
• Coverage for the entire academic year
• Must be a U.S. based insurance company
• Must have medical evacuation of $50,000 and repatriation of remains of $25,000 (additional requirement for International Students)

The following are NOT acceptable and will NOT be considered:

• California Medi-Cal and state Medicaid plans that do NOT have assigned benefit coverage in your campus area
• International insurance plans underwritten in a country outside of the United States
• Short term medical plans that are available to purchase on a weekly or monthly basis
• Reimbursement plans
• Ministry cost-sharing

Click to Find an Anthem Provider and the 2024-25 Brochure

Anthem SHIP (Student Health Insurance Plan) Highlights

• Fully compliant with the Affordable Care Act (ACA)
• Unlimited policy year maximum
• Annual deductible of $300 In-Network and Out-of-Network
• Preventive services covered at 100%, deductible waived
• In-Network services covered at 80%
• Anthem Dental Complete Plan with dental benefit maximum of $1,000
• EyeMed Blue View Vision with $150 allowance for frames or contact lenses
• Prescription drug coverage with low copayments: $15 for generic, $30 for brand, $50 for specialty
• Worldwide travel assistance services through GeoBlue

Losing your health insurance? Log in at gallagherstudent.com/uop > plan summary > enroll in qualifying life event. Application must be submitted within 30 days from the qualifying life event date.

2025-2026 Cost and Coverage Dates

SHIP fees are charged to your student account each Fall and Spring semesters along with your registration fees. You will be required to pay these fees unless you have an approved annual waiver each academic year.

The rates include premiums for the plan and commissions and administrative fees. Rates are currently under regulatory review with the state and subject to change. 

PLEASE NOTE: UG, GRAD, LAW AND PROFESSIONAL STUDENTS WHO WERE ENROLLED IN 24/25 SHIP HAVE NEW END DATE OF 6/30/26.  

• Dental (not including Dental Hygiene) and AEGD Residents
  • Cost: $898.50 per quarter ($3,594 annual)
  • Annual coverage - 7/1/25 - 6/30/26
  • Students graduating in summer - 7/1/25 - 9/30/25
• Physician Assistant, MS Nursing, Occupational Therapy, Master in Social Work
  • Cost: $1,797 per Fall and Spring ($3,594 annual)
  • Annual coverage - 7/1/25 - 6/30/26
  • Fall term - 7/1/25 - 12/31/25
  • Spring term - 1/1/26 - 6/30/26
• NEWLY ELIGIBLE Graduate, Law & Professional - Sacramento, San Francisco, Stockton
  • Cost: $1,797 per Fall and Spring ($3,594 annual)
  • Annual coverage - 7/1/25 - 6/30/26
  • Fall term - 7/1/25 - 12/31/25
  • Spring term - 1/1/26 - 6/30/26
• RETURNING Graduate, Law & Professional - Sacramento, San Francisco, Stockton
  • Cost: $1,648 per Fall and Spring ($3,296 11-month prorated)
  • Annual coverage - 8/1/25 - 6/30/26
  • Students graduating in fall - 8/1/25 - 1/31/26
• NEWLY ELIGIBLE Undergraduate and International students -  Sacramento, San Francisco, Stockton
  • Cost: $1,420 per Fall and Spring ($2,840 annual)
  • Annual coverage - 7/1/25 - 6/30/26
  • Fall term- 7/1/25 - 12/31/25
  • Spring term - 1/1/26 - 6/30/26
• RETURNING Undergraduate and International students - Sacramento, San Francisco, Stockton
  • Cost: $1,302 per Fall and Spring ($2,604 11-month prorated)
  • Annual coverage - 8/1/25 - 6/30/26
  • Students graduating in fall - 8/1/25 - 1/31/26

With SHIP, students receive Dental and Vision benefits at no additional cost. 

Anthem Dental Complete Plan

SHIP comes with dental benefits at no additional cost. $1,000 annual benefit maximum covers periodic oral exam (2 per 12 months), teeth cleaning (2 per 12 months), bitewing x-rays (1 set per 12 months) at 100%. Basic and oral surgeries are covered at 80%. Click here to find in-network dental providers. Search as a guest and select Dental Complete Plan.

Blue View Vision

With Blue View Vision, Anthem makes it easier and more affordable for students to take care of their eyes and help catch health issues earlier. Benefits include $15 copay for eye exams per year, $130 allowance for frames and contact lenses per year. For questions, call Anthem at 800-888.2108.

VOLUNTARY PLANS

Voluntary Ameritas Dental PPO —  Enroll anytime. Go to www.gallagherstudent.com/uop > Plan Details > Additional Products Available > Dental Insurance.

Enroll at anytime in the voluntary Ameritas Dental PPO. Rates and coverage vary by plan and state starting at $30 per month. One year commitment required. All policies renew automatically until cancelled. Not available in MA. Questions? Call Ameritas at 800-300-9566. Underwritten by Ameritas Life Insurance Corp. | 5900 O Street Lincoln, NE 68510.

Voluntary EyeMed Vision Plan —  Enroll anytime. Go to www.gallagherstudent.com/uop > Plan Details > Additional Products Available > Dental Insurance.

Plans cover exams, and up to $130 for frames or contacts for $11 per month.  Annual commitment required. Questions? Call Ameritas at 800-300-9566. Underwritten by Ameritas Life Insurance Corp. | 5900 O Street Lincoln, NE 68510.

Your insurance card is available online anytime. Below are ways on how to get your electronic insurance card. To request for a physical card in the mail, kindly call Anthem directly at 800.888.2108.

• Sign up at anthem.com/ca using your Pacific Student ID or download the Sydney Health App from the App Store or Google Play.
• Go to 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.

Pharmacy Electronic Claims Information:

RxBin: 020099
RxPCN: WG
RxGRP: WLHA

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 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.

2024-25 Continuation Plan Premiums

Continuation plan form is online only. To submit, go to www.gallagherstudent.com/uop. Under 'Resources' click 'Continuation Form'.  Fill out the form and submit for Gallagher's review.  After review, you will be given a link to submit payment.

HealthCare.gov's 3 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.