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Graduate Health Care Coverage Options

Option 1: Health & Counseling Fee (HCF) + Student Health Insurance Plan (SHIP)

• Most HCC services are free with the HCF & the SHIP.
• Low cost co-pays for specialist visits at the HCC (usually $20).
• Preexisting conditions not excluded for care provided at the HCC.

Option 2: Health & Counseling Fee (HCF) + outside health insurance

• Many HCC services are discounted or covered after a $10 co-payment with the HCF and outside health insurance.
• If you carry outside health insurance and come to the HCC for services, you will be required to pay for any service not cover by the Health & Counseling Fee (HCF) at the time of your visit. You can then submit the claim to your insurance company for reimbursement.

Option 3: Student Health Insurance Plan (SHIP) only

• If you choose to carry the SHIP only, you will be insured through United Healthcare, the insurance company that partners with the DU.
• You must pay for all services at the HCC at the time of your visit.
• Each time you visit the HCC, you must submit the claim to United Healthcare for reimbursement.
• ou must visit the HCC for referrals to a specialist. Primary care provided outside the HCC is always paid at the out-of-network rate of 60% after a $500 deductible.

Option 4: Outside health insurance only

• You must pay for all services at the HCC at the time of your visit.
• You must submit claims for reimbursement to your insurance company.

Graduate Coverage   Option 1 HCF & SHIP Option 2: HCF & Outside Health Insurance Coverage Appointments with a counselor or medical provider (one annual medical visit per year with no co-pay) First ten free 11+ $20 First ten $10 11+ $20 Nursing Consultation Free Free Laboratory tests Free Discounted PAP smears Free $40 Electrocardiograms Free Free Inhalation Treatments Free Free Most medical supplies Free Discounted Specialist Consultations (psychiatrist, gynecologist, dermatologist, nutritionist) First six $20 7+ $85 $85 Plain film x-ray $35 per study $35 per study Immunizations (including HPV and travel) Free Discounted Travel Physicals $10 per visit Discounted Group Therapy First ten free 11+ $10 First ten $5 11+ $10 Allergy shots $10 per visit $10 per visit Medications at the HCC $300 per year Discounted /coverage period Psychological Testing Discounted Discounted /coverage period No Show and Late Cancel Charges Vary by visit type, but could be as high as $85.