DU Student Health Insurance Plan (SHIP)

Insurance Options

New students beginning in Winter Quarter, and continuing students returning from study abroad for Winter Quarter, must manually enroll in SHIP by January 24th, 2025. Contact HCC as soon as possible by emailing insurance@hcc.du.edu or calling 303.871.2205. 

Student health insurance is a mandatory requirement at the University of Denver. 

The DU Student Health Insurance Plan (SHIP) is a comprehensive student health insurance plan, available exclusively to DU students actively enrolled in an on-campus, degree-seeking program. SHIP provides ideal coverage for most members of the DU student community, especially when combined with the Health & Counseling Fee (HCF), which grants access to a wide range of services offered by the DU Health & Counseling Center.

SHIP benefits include low co-payments, a $750 in-network deductible, an in-network out-of-pocket maximum of $1500, and an extensive, nationwide network of excellent providers. And if you live on or near the DU campus, SHIP coverage means your primary health care provider, the Health & Counseling Center, is only steps away.

While we recommend SHIP coverage for all students, participation in SHIP is not required; you can request a SHIP waiver with proof of adequate alternate insurance, by posted deadlines.

The 2023-24 SHIP coverage (via United) ended 7/31/2024 for Law (semester) students and 8/31/2024 for all other, quarter students. 

 

Eligibility and Exceptions

All DU students enrolled in a degree-seeking program (except those in completely online or certificate programs*) are eligible to enroll in SHIP. Students registered for one or more credit hours will be automatically enrolled in SHIP unless they submit a SHIP waiver request, along with proof of adequate alternate coverage, by posted deadlines.

The premium is assessed each fall and spring term for students enrolled in one or more in person credit hours per quarter/semester. The premium is included on the student's central Student Billing account and covers a specific period. The DU SHIP premium is assessed to students registered in most academic units on campus (excluding University College and programs including the Graduate Tax, Executive MBA, and Continuous Enrollment for all programs). Students enrolled in these programs should contact the HCC about enrollment options.

*DU students in completely online or certificate programs are not eligible to enroll in SHIP or receive services at the HCC.

  • How to Participate / Enroll

    2024-25 ENROLLMENT IS NOW CLOSED

    If an eligible student did not submit a waiver request by the deadlines listed further below on this webpage, they were auto-enrolled in and billed for the DU Student Health Insurance Plan.

     

    For information about off-term enrollment possibilities, including due to loss of other coverage, please contact insurance@hcc.du.edu  (Be sure to include student name and DU ID "87..." number.)

     

    If you have specific questions regarding the plan benefits or coverage, please contact our office by calling 303- 871-2205 or emailing  insurance@hcc.du.edu  (Please include/have ready your student ID "87" number.)

SHIP Brochures and Certificates

SHIP Limitations

The DU Student Health Insurance Plan was developed specifically for DU students, and we believe it offers the best coverage available for the vast majority of our student body. Of course, like any insurance plan, it is not without its limitations. Consult the Plan Summary Brochure for complete details.

  • The DU Health & Counseling Center is the primary care provider for the plan. If you see an off-campus specialist, the in-network deductible is $750 plus 15% up to $1,500 per year. If you seek treatment with an out-of-network provider, the out-of-network deductible is $1,500 plus 40% up to $7,500 per year.
  • The plan does not include vision or dental. However, there is a separate DU student dental/vision plan.

2024-25 SHIP Enrollment/Waiver Deadlines

Quarter Students

  • Fall Quarter: September 27, 2024
  • Winter Quarter: January 24, 2025*
  • Spring Quarter: April 18, 2025
  • Summer Quarter: July 7, 2025*

*The winter and summer quarter enrollment periods are available to first-time, new, and study-abroad students only. Email insurance@hcc.du.edu to receive enrollment information for the winter and summer quarters. All other students may enroll in the fall or spring quarters.

Semester Students

  • Fall Semester: September 6, 2024
  • Spring Semester: January 24, 2025
  • Summer Semester: June 6, 2025*

*The summer semester enrollment period is available to first-time, new, and study-abroad students only. Email insurance@hcc.du.edu to receive enrollment information for the summer semester. All other students may enroll in the fall or spring semesters.

2024-2025 SHIP Coverage Dates

Quarter Students

  • Fall and Winter Quarters: September 1, 2024 – March 31, 2025
  • Spring and Summer Quarters: April 1, 2025 – August 31, 2025

Semester Students

  • Fall Semester: August 1, 2024 – December 31, 2024
  • Spring and Summer Semesters: January 1, 2025 – July 31, 2025

2024-2025 SHIP Cost and Payment

The cost to participate in the DU Student Health Insurance Plan for the 2024-2025 academic year is $3,770, split into two charges of $1,885, and assessed to student accounts in the fall and spring terms. This is comparable to the cost of much more limited plans on the Colorado Insurance Exchange Marketplace. The SHIP would be rated as a platinum plan under the Affordable Care Act.

Payments for the DU Student Health Insurance Plan can be made online through DUPay. Academic year registration will be verified before enrollment is processed and charges are added.

Loss of Coverage

If you encounter a loss of coverage, please contact the DU Health & Counseling Center at 303-871-2205 or insurance@hcc.du.edu as soon as possible.