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SHIP (Student Health Insurance Plan) Eligibility Information


The University of the Pacific is committed to the health and well-being of our students. Students must have comprehensive health insurance while attending school. All eligible students are automatically enrolled in Pacific SHIP each new academic year.

Eligible students must submit the annual waiver BEFORE THE START OF EACH NEW ACADEMIC YEAR to cancel SHIP and to avoid being charged if already covered by a comprehensive, comparable plan. Newly eligible students in Spring must submit the spring waiver and reapply for the annual waiver in Fall. Approved annual waivers are valid for the entire academic year.

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

All students defined below are eligible and automatically enrolled in SHIP each academic year:

  • Undergraduate and PharmacyD Students enrolled in 9 or more units
  • International Students, Dental Students, Graduate 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 fully online, off-campus, external partnership programs, therefore, students are not eligible for SHIP. 

  • MSL Online
  • LLM Online
  • Organizational Leadership
  • Healthcare Administration and Leadership
  • Doctor of Medical Science (DMSc) and Doctor of Health Science (DHSc)
  • MBA Online
  • MS Cybersecurity Online
  • JSD Candidacy
  • UOP International


***** The 2023-24 online enrollment and waiver form will open on June 1, 2023. Deadline is on September 8, 2023*****

To waive or actively enroll, log on to using your MyPacific username and password.

For general information about SHIP visit Gallagher Student Health or call Gallagher Customer Service at 833.233.0764.

The Insurance Office

1041 Brookside Road Cowell Wellness Center Room 202

Tel no. 209-946-2027; 209-946-2315 option 7


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

2023-24 Annual Waiver Deadline

June 1, 2023 to July 31, 2023 — Dental students and Physician Assistant students
June 1, 2023 to Sept 8, 2023 — Law, Graduate, PharmD, Undergraduate students
Late Annual waiver deadline: Sept 29, 2024 subject to a $100 late waiver fee

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 international students must enroll in SHIP unless they are UOPI, 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:

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

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
  • In-Network services generally covered at 80%
  • Annual dental benefit maximum of $1,000
  • Prescription drug coverage with low copayments: $15 for generic, $30 for brand, $50 for specialty
  • Worldwide travel assistance services through GeoBlue

Click to view Summary of Benefits and 2022-23 SHIP Brochure

Losing coverage? Log in at > plan summary > enroll in qualifying life event.

2023-2024 Cost and Coverage Dates

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 SHIP unless you have an approved waiver application each academic year.

  • Dental (not including Dental Hygiene) and AEGD Residents
    • Annual - July 1st - June 30th the following year
    • Summer - July 1st - September 30th (students graduating in Summer)
    • Cost: $824 per quarter ($3,296 annual) 
  • Graduate and Professional - Stockton, Sacramento, San Francisco
    • Annual - August 1st - July 31st the following year
    • Fall - August 1st - January 31st (students graduating in Fall)
    • Spring - February 1st - July 31st (newly eligible students)
    • Cost: $1,648 per Fall and Spring ($3,296 annual)

    Please note: Physician Assistant Program has the same coverage dates as Dental program

  • Law
    • Annual - August 1st - July 31st the following year
    • Fall - August 1st - January 31st (students graduating in Fall)
    • Spring - February 1st - July 31st (newly eligible students)
    • Cost: $1,648 per Fall and Spring ($3,296 annual)
  • Undergraduate and International Students
    • Annual - August 1st - July 31st the following year
    • Fall - August 1st - January 31st (students graduating in Fall)
    • Spring - February 1st - July 31st (newly eligible students)
    • Cost: $1,304 per Fall and Spring ($2,608 annual)

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

Anthem Dental Complete Plan (Summary of Benefits)

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 $10 copay for eye exams per year, $130 allowance for frames and contact lenses per year. For questions, call Anthem at 800-888.2108.

EyeMed Vision Discount Program

University of the Pacific's SHIP (Student Health Insurance Plan) offers wellness discounts including Basix Dental and EyeMed Discount Programs. The Basix Dental and the EyeMed Vision Discount Plans are not insurance products, but discount programs designed to assist students in making healthy decisions. Click on discount and wellness page for fee schedules.


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.

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 using your Pacific Student ID.
  • Go to 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

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.

2022-23 Continuation Plan Premiums

  3-month continuation 6-month continuation
Undergraduate Students $689.74 $1,379.48
Dental/Graduate/Law/Professional Students $881.26 $1,762.52


Continuation plan form is online only. To submit, go to 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.'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.