Insurance Options

Insurance & Fees

All students enrolled in one or more hours of graded, on-campus coursework at the University of Denver are required to carry personal health insurance coverage. Fortunately, the University offers its own convenient health insurance plan designed specifically for our student body — the Student Health Insurance Plan (SHIP) is ideal for the vast majority of students in the DU community.

While we recommend SHIP coverage for all DU students, participation in the plan is optional. Students who choose to decline SHIP coverage must submit a SHIP waiver and show proof of adequate alternate health insurance coverage.

The HCC does not bill insurance companies or Medicaid, and we cannot guarantee our services will be covered by, or in-network for, any alternate insurance coverage. Students are required to pay for all HCC services at the time of their visit, and those who choose alternate health insurance coverage are responsible for obtaining reimbursements from their providers. Students covered by Medicaid must seek an outside Medicaid provider to ensure coverage for services.

Undergraduate Coverage Options

All undergraduate students enrolled at DU (other than those in completely online programs*) are required to carry personal health insurance coverage and pay the Health & Counseling Fee (HCF). While it is not a charge for individual services or coverage, the HCF, especially in combination with DU Student Health Insurance Plan, grants you access to a wide range of services provided by the Health & Counseling Center, including no- and low-cost visits. Any co-pays or additional charges remain the student's responsibility. See below for details on the full range of undergraduate student coverage options.

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

Health & Counseling Fee (HCF) + Student Health Insurance Plan (SHIP)

  • Most HCC services with HCF + SHIP have no out-of-pocket cost.
  • Since your care will largely be provided through the HCC, you will be protected from surprise out-of-network charges.
  • Low-cost co-pays apply for specialist visits.

Health & Counseling Fee (HCF) + Alternate Health Insurance

  • Most HCC services are discounted after a $20 co-pay.
  • Itemized invoices with proof of payment may be submitted to your private insurance company for reimbursement, if applicable.
  • The HCC is not a Medicaid provider. Students covered by Medicaid must seek an outside Medicaid provider to ensure coverage.

Graduate Coverage Options

Graduate students are not required to pay the Health & Counseling Fee (HCF) or enroll in the DU Student Health Insurance Program (SHIP). However, we highly recommend both for all students. While it is not a charge for individual services or coverage, the HCF, especially in combination with SHIP, grants you access to a wide range of services provided by the Health & Counseling Center, including no- and low-cost visits. Any co-pays or additional charges remain the student's responsibility. See below for details on the full range of graduate student coverage options.

Health & Counseling Fee (HCF) + Student Health Insurance Plan (SHIP)

  • Most HCC services with HCF + SHIP have no out-of-pocket cost.
  • Since your care will largely be provided through the HCC, you will be protected from surprise out-of-network charges.
  • Low cost co-pays apply for specialist visits.

Health & Counseling Fee (HCF) + Alternate Heath Insurance

  • Most HCC services are discounted or free after a $20 co-pay.
  • Itemized invoices with proof of payment may be submitted to your private insurance company for reimbursement, if applicable.
  • The HCC is not a Medicaid provider. Students covered by Medicaid must seek an outside Medicaid provider to ensure coverage.

Student Health Insurance Plan (SHIP) Only

  • Students who choose to participate in SHIP only will be insured through United Healthcare Student Resources, the insurance company that contracts with DU.
  • Students are required to pay for all HCC services at the time of visit.
  • For each visit, students must submit an itemized invoice with proof of payment to United Healthcare Student Resources for reimbursement. (Deductible and co-insurance payments may apply. Please refer to your summary of benefits listed in the SHIP brochure.)

 

Alternate Heath Insurance Only

  • Students with alternate health insurance only are required to pay for all services at the HCC at the time of visit.
  • Itemized invoices with proof of payment may be submitted to your private insurance company for reimbursement, if applicable.
  • The HCC is not a Medicaid provider. Students covered by Medicaid must seek an outside Medicaid provider to ensure coverage.