Insurance Options

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 or certificate programs are not eligible to enroll in SHIP or receive services at the HCC.

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

Most HCC services with HCF + SHIP have no out-of-pocket cost.
Low-cost co-pays apply for specialist visits, for example psychiatry visits.

Health & Counseling Fee (HCF) + Alternate (non-DU) 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

Students in in-person graduate and professional programs are not required to enroll in the Student Health Insurance Plan (SHIP)*. Their Health & Counseling Fee (HCF) requirements depend on what school year they began their program.

Having both SHIP and the full HCF provides the most convenient and least expensive option for HCC medical and mental health services.

Below are summaries of some benefits and limitations of various coverage combinations. Please check details on both the SHIP and the HCF pages for full information on each.

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

	Alternate (non-DU) Health Insurance	DU Student Health Insurance Plan (SHIP)
	Please note: The HCC is not a Medicaid provider. Students covered by Medicaid must seek an outside Medicaid provider to ensure coverage.
Insurance only	Students are required to pay the full cost for all services at the HCC at the time of visit. Student can then submit itemized invoices with proof of payment to your private insurance company for reimbursement to you, if applicable. (DU and HCC are not involved.)	Students who choose to participate in SHIP are insured through Anthem Blue Cross Blue Shield (Anthem), 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 then submit an itemized invoice with proof of payment to Anthem for reimbursement. Deductible and co-insurance payments may apply. Please refer to the SHIP summary of benefits.
Insurance + FULL Health & Counseling Fee (HCF)	Most HCC services are discounted after a $20 co-pay. Student can submit itemized invoices with proof of payment to your private insurance company for reimbursement to you, if applicable. (DU and HCC are not involved.)	Most HCC services have no out-of-pocket cost. Low-cost co-pays apply for specialist visits, for example psychiatry visits.
Insurance + Counseling-only Fee	HCC counseling services are discounted after a $20 co-pay. HCC medical services are full cost. Student can submit itemized invoices with proof of payment to your private insurance company for reimbursement to you, if applicable. (DU and HCC are not involved.)	Most HCC counseling services have no out-of-pocket cost. HCC medical services are not discounted. Low-cost co-pays apply for psychiatry visits.