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Health & Counseling Center

DU Student Health Insurance Plan (SHIP)

The University of Denver offers a comprehensive Student Insurance Plan (SHIP) that is underwritten by UnitedHealthcare Student Resources.  This plan is designed specifically for students attending the University of Denver and is only available to enrolled active students. 

The SHIP will be a student only plan. The cost to DU students to participate in the plan is $2,660/year, which is the approximate cost on the Colorado Insurance Exchange Marketplace of plans with very limited benefits.  The DU SHIP would be rated as a Platinum plan under the Affordable Care Act (ACA).

The plan summary pamphlet can be accessed here, while the full benefit brochure can be accessed here.

2016-2017 DU Student Health Insurance Plan (SHIP)

$1,330 per enrollment period (2 billings per academic year) 

  • Quarter Students:
    • Fall and Winter Quarter billed in the Fall Quarter 
    • Spring and Summer Quarter
  • Semester Students:
    • Fall Semester billed in the Fall Semester 
    • Spring and Summer Semester billed in the Spring Semester

The SHIP/HCF cost will be assessed to the tuition bill as long as the student is registered for 6 or more credit hours.  Students enrolled as a continuous enrollment student or less than 6 credit hours will need to manually enroll at the DU Health & Counseling Center.

DU Student Health Insurance Plan (SHIP) Benefits

  • Low co-payments for counseling and medical appointments
  • Low in-network deductible ($250)
  • Low in-network out of pocket maximum ($2,500 per person/year)
  • Extensive nationwide network of providers

DU Student Health Insurance Plan (SHIP) Limitations

  • The DU HCC (Health & Counseling Center) is the primary care provider for the plan.  You have to come to the HCC for all primary or specialty care referrals.  If you are seen and given a referral to a specialist, the in-network deductible is $250 (once a year) plus 20% up to $2500 out of pocket for each issue.  If you seek treatment without a referral or see an out of network provider, then the following applies: The out of network deductible is $500 plus 40% up to $5000 out of pocket for each issue.

  • The exclusions are listed in the attached brochure

  • The plan does not include vision or dental.  There is a separate dental plan

  • The DU HCC does not bill insurance companies, so when you are covered by the Student Health Insurance Plan (SHIP) and the Health & Counseling Fee (HCF), there are not any out of pocket expenses unless you see one of our specialists or receive a prescription at the HCC

DU Insurance requirements

Student Health Insurance is a mandatory requirement at the University of Denver.  If a student is covered by other insurance that complies with the Affordable Care Act requirement, it that can be waived.

Please consider the many benefits of participating before waiving, especially if the student plans on enrolling in the Health and Counseling Fee.

Refer to Graduate options for insurance or the summary of benefits in the SHIP brochure for important information about the plans' deductible and co-insurance for services provided outside the DU HCC.

Non-traditional students, or student that have an active student status, but are taking less than 6 quarter hours (or 8 semester hours) must manually enroll in this plan by the waiver deadline. 

Please note: The DU HCC is the primary care provider for the SHIP.

Waiver/Enrollment Deadlines for SHIP

Quarter Students

  Quarter Term   Deadline
     Fall      Sept. 30, 2016
     Winter      Jan. 20, 2017
     Spring      April 14, 2017
     Summer*      July 7, 2017

*Summer Health and Counseling Fee must be manually enrolled at the HCC.


Semester (Law) Students

  Semester Term   Deadline          
     Fall      Sept. 2, 2016
     Spring      Jan. 27, 2017
     Summer*      June 16, 2017

*Summer Health and Counseling Fee must be manually enrolled at the HCC.


To waive the SHIP, go to www.du.edu:

  1. Click on current students, online tools
  2. MyWeb
  3. Enter secure area
  4. Click on student and financial aid, then registration, the waive selection is near the bottom.

Undergraduate 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. See chart below for details
  • 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 $15 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

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 $15 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.
  • You must visit the HCC for referrals to a specialist.

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.