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FAQs

I want to waive the Student Health Insurance Plan (UC SHIP). 

You must complete and submit an online Waiver Application no later than 11:59 p.m.. on the published date. The insurance policy covering the student must provide benefits comparable to the university’s guidelines. An “approved” or “denied” notice appears after the student successfully submits their waiver application. The student should print this notice for their records. An email is also sent to the student's UC Merced email account.

I have coverge back home. Why do I need UC SHIP? Why was my waiver denied?

Your health insurance must have a primary care, behavioral health, and emergency coverage within 55 miles of UC Merced. UC Merced asks for the name of your primary care provider in Merced County to ensure that you can receive local medical care.

Do I have to complete a waiver application each academic year?

Yes. Your approved waiver is effective for the current academic year only. If you want to waive UC SHIP for the next academic year, you must file another waiver application each year in the fall. Once you submit your waiver application and it is approved, it will remain in effect for the rest of the academic year.

If I waive UC SHIP, can I still use the Student Health Services?

Yes. Absolutely! All registered students at UC Merced can be seen at the Student Health And Counseling Services even if they are not enrolled in UC SHIP.

How do I submit a waiver?

Waiver applications must be completed and submitted online through your student portal. 

What information is required to complete the waiver application?

You will need a copy of your health insurance card as well as your current benefit information. Use the worksheet (PDF) to gather the needed information before you start the waiver application process. Check with your insurance company if your plan meets the waiver criteria (PDF) requirements.

I do not have all the information to complete the waiver application. What should I do?

You have two useful sources of information to help you complete your waiver application. First, you can refer to your insurance Evidence of Coverage booklet. The booklet is provided by your insurance company and describes all of your benefits and any limitations. If you cannot find your booklet, you may find it on the insurance company’s Web site or call the customer service number on your insurance card and ask for help.

How will I know if my waiver application has been approved or denied?

If you successfully submitted a waiver application online you will receive an instantaneous response. The last screen of the online waiver application process will provide you with an "approved" or "denied" notification. You should print this screen for your records. In addition, you will get an email to your UC Merced email. 

If you submitted a paper waiver application, you will be notified via your UC Merced email address of your approval or denial.

If my waiver application is denied, what options do I have?

If your waiver application is denied because you made an error when inputting your information, you can file a waiver appeal form available in the Forms Center on the health services web site. Appeals must be received within seven (7) calendar days of the date of denial. Appeals for denied waiver applications are accepted only for the current semester. Retroactive appeals are not accepted. This process can take some time, so you will need to pay all fees, including your UC SHIP fee on your student account. If your appeal is approved, your student account will be credited the UC SHIP fee.

I have waived UC SHIP, but I no longer have comparable health insurance or I lost my coverage. What should I do?

You are required to maintain comparable health insurance at all times during your approved waiver period. If your health insurance coverage is terminated during the waiver period, you are required to enroll in UC SHIP. Submit a UC SHIP Enrollment Form with your separation notice from your previous insurance to the Student Health Center Insurance Office. UC SHIP coverage will be effective on the date of termination or receipt of the request (whichever is later) or a future date you specify.

I just graduated. When will my coverage end?

Graduating students enrolled in UC SHIP for the Spring and summer semester have coverage through the summer all the way through until August 14th.

I waived UC SHIP. Why am I now being charged the Health Insurance Fee UC SHIP?

The Health Insurance Fee is charged to ALL students as a mandatory insurance fee. If you applied for a waiver, you should see a charge for the Health Insurance Fee AND a credit for the Insurance Waiver. If you do not see the credit, or if the credit was reversed, it is possible that any one of the following occurred:

  • Your waiver was submitted during the previous academic year.
  • You submitted a waiver and were selected for audit but did not respond to our request for insurance documentation. As a result, your waiver credit was reversed.
  • You submitted a waiver but it was denied because it did not meet the waiver criteria. as a result, your waiver credit was reversed.
  • Your waiver was approved, however a hold on your student account may have prevented the waiver from crediting the Health Insurance Fee.

Contact the Student Health Insurance Office to discuss the status of your waiver.

I waived UC SHIP and received an approval, but the fee is still on my Bill.

If you have successfully waived UC SHIP, any fees that have been charged will be credited to your student account within 30 days of completing your waiver. Continue to check your student account to make sure the fees have been credited.

I am on the Education Abroad Program (EAP) and I was charged for UC SHIP.

Health insurance is a requirement for ALL UC Merced students, even those on the Education Abroad Program (EAP). This is also a requirement of the Affordable Care Act (ACA) for residents who will spend any portion of the calendar year in the United States. EAP students need to have health insurance while abroad. IF they have suitable health insurance, they can submit a waiver for UC SHIP and would not need to have a provider in Merced County. EAP provides travel insurance, but that does NOT qualify as ACA compliant health insurance. UC SHIP provides worldwide coverage with the Anthem Blue Card.

What does the Insurance Card look like for Merced County Central Alliance?