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Campus Life & Inclusive Excellence

Health & Counseling Center

Health & Counseling Center

DU Student Health Insurance Plan (SHIP)

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

Even if students accept coverage in the Student Health Insurance Plan, they must meet the minimum enrollment requirements. If a student accepts coverage and is enrolled for 6 or more hours (8 or more semester hours) the student's acceptance will be communicated to the insurance carrier.

The DU Student Health Insurance Plan is ONLY available for students enrolled in classes hosted on campus. Home study, correspondence, and online courses do not fulfill the eligibility requirements.

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, in that can be waived. Refer to the Adequate Health Insurance Coverage information.

While the Health & Counseling Center (HCC) is open to all students, the HCC is not a Medicaid provider. We encourage students to purchase the Health & Counseling Fee (HCF) in order to receive discounted services but the student is responsible for the remaining amounts as we do not bill insurance companies which includes Medicaid. If a student is covered by Medicaid, it is the patient’s responsibility to seek a Medicaid provider to ensure coverage for services.

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

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 at DU HCC. 

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

2019-2020 DU Student Health Insurance Plan (SHIP)

The SHIP will be a student only plan. The cost to DU students to participate in the plan is $3,150/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).

2019-20 Plan Year
The plan summary pamphlet and full benefit brochure are available through the links provided or on our forms page.

Important Notice:

The insurance premium is $3,150 and it is split into two charges of $1,575 which are assessed to your account in fall and spring quarter.  

Quarter Students

  Fall and Winter Quarter Coverage   September 01, 2019 - March 29, 2020
  Spring Quarter Coverage   March 30, 2020 - August 31, 2020

Semester Students

  Fall Semester Coverage   August 1, 2019 - December 31, 2019
  Spring Semester Coverage   January 1, 2020 - July 31, 2020

The SHIP and HCF cost will be automatically assessed to the tuition bill  for eligible students as long as the student is registered for 6 or more credit hours. 

Students enrolled as a continuous enrollment or less than 6 credit hours will need to manually enroll at the DU Health & Counseling Center. Please call 303-871-2205 with any related questions.

DU Student Health Insurance Plan(SHIP) Benefits
  • Low co-payments for counseling and medical appointments
  • Low in-network deductible ($1,000)
  • Low in-network out of pocket maximum ($1,500 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.  All primary care starts at the HCC and an HCC referral is required before seeking specialty care.
      • If you are seen and given a referral to a specialist, the in-network deductible is $1,000 (once a year) plus 15% up to $1,500 out of pocket for year.
      • If you seek treatment without a referral or see an out of network provider, then the out of network deductible is $1,500 plus 60% up to $7,500 out of pocket for year.
  • The exclusions are listed in the 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
Waiver/Enrollment Deadlines for SHIP

Quarter Students

  Quarter Term   Deadline
     Fall      Sept. 27, 2019
     *Winter*      Jan. 24, 2020
     Spring      April 17, 2020
     *Summer*      July 3, 2020

*Winter and Summer Student Health Insurance Plan enrollment periods are available to first-time, new students and study abroad students only. All other students may enroll in the fall or spring.

Semester (Law) Students

  Semester Term   Deadline          
     Fall      Sept. 6, 2019
     Spring      Jan. 31, 2020
     *Summer*      June 12, 2020

*Summer Student Health Insurance Plan enrollment period is available to first-time, new students and study abroad students only. All other students may enroll in the fall or spring.

To waive the SHIP, see the SHIP Waiver Instructions.

DU SHIP Account Information

Once you have accepted the insurance, or the waiver deadline has passed, please see How to create an account.

Loss of Coverage Information