Student Health Insurance Plan (SHIP) for Penn State (Rates and Premiums)

Penn State offers one medical plan to all students through United Healthcare Student Resources Links to an external site.. So, let’s talk about the benefits that are offered and how to use the Student Health Insurance Plan (SHIP) for Penn State.

Annual Deductible:

• $250 (individual)
• $500 (family)

Coinsurance:

• 90% in-network (10% student)
• 70% out-of-network (30% student)

In-Network Out-of-pocket Maximum:

• $1,300 (individual)
• $2,600 (family)

Other:

• $10 Office Visit co-payment (waived at UHS) - Primary Care, Mental Health, and Specialist Physician Visits
• Emergency Room Copay: $150 (waived if admitted to the hospital to inpatient status), then deductible and 90% coinsurance
• United Healthcare Global (UHCG) – Medical Evacuation and Repatriation benefits with no limit. *This is a service, not insurance, so UHCG must be contacted to provide the benefits.

Prescriptions Co-pay:

• $0 at UHS or HMC Pharmacy
• $10/$30/$60 in-network pharmacy
• 50% coinsurance out-of-network pharmacy

Services are covered at 100% at University Health Services at University Park. No deductibles, co-pays or coinsurances are applied. This includes health care visits, labs, and x-rays. Even prescriptions are covered at 100% at University Health Services Pharmacy at University Park, and you can get a 90 day supply for chronic or maintenance medications.

A referral is required for services outside of University Health Services if you are within 25 miles of the University Park campus. There are exceptions, and they can be found online at the UnitedHealthcare Student Resources Links to an external site. website. These referrals must be renewed every academic year if you are continuing to have services outside UHS. Please note, that if the services can be provided at UHS, a referral will not be provided.