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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. 

The SHIP will be a student only plan. The cost to DU students to participate in the plan is $2,930/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 gold plan under the Affordable Care Act (ACA).

2016-2017 Plan Year
The plan summary pamphlet can be accessed here, while the full benefit brochure can be accessed here.

2017-2018 Plan Year
The plan summary pamphlet can be accessed here and full benefit brochure can be accessed here.

2017-2018 DU Student Health Insurance Plan (SHIP)

$1,465 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 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 ($500)
  • 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 $500 (once a year) plus 20% up to $2,500 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 $1,000 plus 40% 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

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.

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.

Waiver/Enrollment Deadlines for SHIP

Quarter Students

  Quarter Term   Deadline
     Fall      Sept. 29, 2017
     *Winter*      Jan. 19, 2018
     Spring      April 13, 2018
     *Summer*      July 6, 2018

*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. 1, 2017
     Spring      Jan. 26, 2018
     *Summer*      June 15, 2018

*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.