Student Health Insurance
Click on the blue link above which will take you to information outlining the exclusive student benefits associated with the Student Health Insurance Plan (SHIP), compliance options for students and the Federal/University health insurance requirements.
Students can obtain a hard copy of the Health Insurance Guide at the Student Insurance Office in Plaza 149 or the main information desk on the first floor of the Student Success Building.
See additional health insurance information organized by subject headings below.
What is SHIP (Student Health Insurance Plan)?
The Student Health Insurance Plan (SHIP) is designed specifically for MSU Denver students taking nine (9) or more credit hours in the Fall or Spring semesters. SHIP is available to all students, regardless of immigration status.This comprehensive plan is designed to comply with federal law, save students money and time, and provide convenient access to quality medical care on and off campus.
Exclusive SHIP Benefits and Savings at the Health Center at Auraria
In addition …
SHIP provides twelve (12) months of insurance coverage for students taking nine (9) or more credit hours in both the Fall and Spring semesters. Fall semester insurance provides coverage for five (5) months and Spring semester insurance provides coverage for seven (7) months. Thus, premium rates for Fall and Spring semesters vary due to the difference in the number of months covered.
Note: Students who initially register for nine (9) or more credit hours, but subsequently drop below nine (9) credit hours before the waiver compliance deadline, will automatically have the insurance charge removed from their tuition bill and will not be covered by the University offered health insurance for the current semester.
Students who enroll in nine (9) or more credits after the Fall or Spring Census deadline date are not eligible for the Student Health Insurance that semester.
United States federal law (the Affordable Care Act) requires that all documented American citizens and legal residents be covered by health insurance that is compliant with the law’s provisions. Non-compliance can result in a fine assessed on federal taxes.
What do students need to do to meet the requirement?
MSU Denver students taking nine (9) or more credit hours in the Fall or Spring are required to have health insurance that complies with the federal law.
Option A: Students can accept automatic enrollment in the University-sponsored Student Health Insurance Plan (SHIP). There is no need to take any action or to sign up for SHIP.
Enrollment in SHIP is automatic when a student registers for nine (9) or more credit hours in the Fall or Spring. The SHIP premium is automatically added to a student’s tuition and fee account.
Unlike any other health insurance plan offered through employers or Connect for Health Colorado, SHIP offers exclusive 100% coverage benefits for services at the Health Center at Auraria. The cost of SHIP is the same no matter how old you are, where you live, and is available to undocumented students.
To access current SHIP Premiums rates and dates of coverage, go to: http://msudenver.edu/healthcenter/premiums
Option B: Students insured by a federally compliant health plan can submit an online health insurance waiver form by the deadline to opt-out of the University sponsored SHIP. A waiver form is required for each Fall and Spring semester of attendance.
Plans will be audited for compliance and verification of coverage. Once audit approval occurs, the SHIP premium fee will be removed from a student’s account. Waivers cannot be granted if submitted after the deadline or if the student’s health insurance does not meet federal requirements.
To fin waiver deadline dates and opt-out waiver instructions, go to: http://msudenver.edu/healthcenter/waiverinfo
Competitively priced premium, cost saving benefits and the same cost/availability for everyone:Unlike any other health insurance plan offered through employers or through Connect for Health Colorado, the cost of SHIP is the same no matter how old you are, where you live or what your personal risk factors are, such as smoking vs. non-smoking. Other health insurance companies charge different premium rates based on these factors. In addition, the SHIP is available to undocumented students who are not eligible to purchase insurance through Connect for Health Colorado. The SHIP does not require the completion of an application or health history form.
The annual premium cost, deductibles, co-insurance and cost saving plan benefits associated with the SHIP have consistently provided MSU Denver students a high quality and competitively priced health insurance option compared to other insurance alternatives available in Colorado.
Exclusive 100% coverage benefits at the Health Center at Auraria: The SHIP is also the only health insurance plan that provides 100% coverage at the Health Center at Auraria.Students with the SHIP can receive comprehensive medical care at the Health Center at Auraria - including primary care, urgent care, gynecology, orthopedics/sports medicine, mental health, x-rays and lab tests. The Health Center at Auraria is nationally accredited by the Accreditation Association for Ambulatory Health Care (AAAHC.) Physicians and medical personnel in family medicine, psychiatry, GYN and sports medicine are on staff. These professionals are specifically trained to provide medical care that addresses the unique needs and demands students encounter during their higher education experience.
Coverage off-campus: Students with the SHIP can also receive medical care off-campus without the need for a primary care referral. The SHIP provides coverage within the extensive Cofinity Provider Network (inside Colorado) and First Health network (outside Colorado). Most major hospitals in the Denver metro area are part of the Cofinity Network, as well as hundreds of primary care and specialist medical providers, including outpatient and urgent care facilities.
The Health Center at Auraria provides medical services to all students, regardless of their insurance coverage, and is nationally accredited by the AAAHC (Accreditation Association for Ambulatory Health Care).
For students participating in the Student Health insurance plan
Health Center services are paid at 100% for covered benefits, with no deductible and no co-pays, with a maximum prescription cost of $20.
For students with Outside Health Insurance
The Health Center is an in-network medical provider for most insurance plans offered in Colorado. Students are responsible for applicable in-network co-pays and deductibles. A list of insurance plans the Health Center accepts can be found online at: http://healthcenter1.com/participatingoutsideinsuranceplans
For Students paying out-Of-pocket for All Services
To make access to health care more affordable, the Health Center automatically reduces all charges for self-pay patients by 50%.
Fall: $1153.00; Coverage period is August 22, 2016 – January 16, 2017 (5 months)
Combined Spring/Summer: $1613.00; Coverage period is January 17, 2017 – August 19, 2017 (7 months)
Fall 2016: September 7, 2016 Spring 2017: February 1, 2017
Opt-Out Waiver Instructions
New students taking nine (9) or more credits in Summer 2017 can opt-in to the Student Health Insurance Plan by June 13, 2017. The waiver opt-out requirement does not apply to Summer semester.
What is the Affordable Care Act (ACA)?
The Patient Protection and Affordable Care Act (PPACA) 2010 HR3590, or Affordable Care Act (ACA) for short, is the new health care reform law in America and is often called by its nickname Obamacare. The Patient Protection and Affordable Care Act is made up of the Affordable Health Care for America Act, the Patient Protection Act, and the health care related sections of the Health Care and Education Reconciliation Act and the Student Aid and Fiscal Responsibility Act. It also includes amendments to other laws like the Food, Drug and Cosmetics Act and the Health and Public Services Act. Since being signed into law, additional rules and regulations have expanded upon the law.*
What is a qualified health plan?
ACA-compliant coverage refers to a major medical health insurance policy that conforms to the regulations set forth in the Affordable Care Act (Obamacare). These plans can be sold on or off the exchange, but all new individual major medical policies sold after January 1, 2014 are required to be ACA-compliant. This means they must include coverage for the ten essential benefits* with no lifetime or annual benefit maximums, and must adhere to the consumer protections built into the law. *
Affordable Care Act (ACA) Essential Health Benefits: Each of the benefit categories listed below must be included by law for an insurance plan to be considered ACA compliant.
Exclusive 100% coverage benefits at the Health Center at Auraria
The Student Insurance Plan (SHIP) is the only health insurance plan that provides 100% coverage at the Health Center at Auraria.Students with the SHIP can receive comprehensive medical care at the Health Center at Auraria - including primary care, urgent care, gynecology, orthopedics/sports medicine, mental health, x-rays and lab tests. The Health Center at Auraria is nationally accredited by the Accreditation Association for Ambulatory Health Care (AAAHC.) Physicians and medical personnel in family medicine, psychiatry, GYN and sports medicine are on staff. These professionals are specifically trained to provide medical care that addresses the unique needs and demands students encounter during their higher education experience.
The SHIP offers students the following exclusive Health Center at Auraria benefits and savings:
SHIP also provides coverage for medical services at hundreds of hospitals and medical offices across Colorado and nationwide.
MSU Denver Student Health Insurance Office offers voluntary Summer Semester health insurance coverage to new students who register for 9 or more Summer credits by June 14, 2016. There is no mandatory requirement to enroll or waive summer only coverage. It is intended to be optional coverage for students looking for quality healthcare.
The summer health insurance premium is $667 and the coverage begins June 6, 2016, and ends August 21, 2016, for 11 weeks of comprehensive coverage. Your tuition account cannot be billed for the Summer health insurance premium, instead the summer premium must be paid by check or credit card, and submitted to the Student Insurance Office, Plaza 149. The coverage is a PPO 80/20 plan, with an annual deductible and includes a large network of doctors and hospitals throughout Denver metro area and across Colorado with the Cofinity PPO Network. Students living outside of Colorado or away visiting 100 miles or more, are covered under the First Health PPO Network.
Students who sign up for Summer semester health insurance have special benefits at the campus Health Center at Auraria, conveniently located in the Plaza Building 150. Summer enrolled students have no required office visit copay or deductible to meet, and visits are covered 100%. All prescriptions filled at the Health Center are $20 each. The Health Center at Auraria offers primary and specialty health care for all students and having health insurance is not required to be seen. In addition, the Health Center at Auraria coordinates benefits with Aetna, Anthem, CIGNA, Cofinity, Humana, Rocky Mountain Health Plan, and United. Any student who is with one of these plans may present their insurance card at the Health Center's front desk and receive the same level of benefits as if they are using a provider off campus.
click Summer Coverage 2016 to complete your health insurance enrollment.
Please call us Monday-Thursday 8-5pm, or Friday 8-3pm, at 303-556-2525 for more information about summer health insurance coverage or any of the services offered at the Health Center at Auraria.
The Student Health Insurance Plan (SHIP) is for MSU Denver students. There is no dependent coverage. Students needing additional dependent coverage are encouraged to review options on the Colorado Health Insurance Exchange.
Students are advised to compare various plan options to determine which combination of coverage options best meets their needs. For example, consider comparing health insurance coverage in which the student is enrolled on SHIP and the dependent is enrolled in a separate dependent plan purchased on the Colorado Health Insurance Exchange; then compare coverage if both the student and the dependent are enrolled in a Colorado Health Insurance Exchange plan. This type of comparison is suggested to assist students in determining which health insurance options best meet their needs. Please contact the MSU Denver SHIP office at 303-352-7284 if you have questions or are in need of assistance.
If an undergraduate student has less than 9 credit hours in the Fall, Spring or Summer semesters, or if a graduate student has less than 9 credit hours in the Fall, Spring or Summer semesters to graduate, they can enroll in the insurance plan for their last semester.
The MSU Denver Student Insurance Office requires that the student’s academic advisor in the major department provide written documentation that the student has less than the 9 hours to graduate and the student will graduate at the end of the enrolled semester.
The enrollment form, academic advisor letter, and CAPP report must be submitted directly to the Student Insurance Office, Plaza 149. For enrollment questions, please call 303-556-2525.
MSU Denver students have a number of health insurance options, such as Medicaid, Marketplace, Student Health Insurance, Catastrophic, or their parent’s plan. The University encourages you to compare several health insurance plan options to the University sponsored student health insurance, and their associated costs, to find the one that best fits you and your lifestyle.
If you are seeking to qualify for Colorado Medicaid, please keep in mind that the Health Center at Auraria is not a Medicaid provider or facility, however, the Health Center is a Medicaid Assistance site. This means that we have qualified staff who can help you navigate the Medicaid application process when you are ready. If in the future, you are in need of quality medical care, the Health Center at Auraria is a very cost effective option, with a 50% discount off services.
Any student who qualifies for Medicaid or Medicare can use it to waive out of the University’s health insurance. For more information on how to submit a University health insurance waiver click here.
Apply for Colorado Medicaid and Child Health Plan Plus Programs.
Find an easy way to manage your Medicaid benefits click Colorado Peak.
IRS Tax Form 1095-B and Frequently asked Questions
Of course there are other health insurance options for Metro students, including a variety of plans offered on Connect for Health Colorado, Colorado’s only official marketplace to apply for financial assistance to help reduce your premium costs.
For more information on open enrollment or how to qualify for coverage outside of open enrollment click Colorado Health Insurance Marketplace - Connect for Health Colorado.
Yet another option for Metro students is healthcare coverage for those under 30. Young adults can use a customized tool on the Healthcare.gov website to get a personalized guide that will help you make a decision. For more information click Healthcare options for young adults.
Medicare is the Federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD). Source: Medicare.gov
To find out if you qualify or to apply click Medicare.gov.
MSU Denver Student Health Insurance Office
MSU Denver Students can be assisted with any of their health insurance questions or concerns by contacting the Student Insurance Office at 303-352-7284.
To Search for a Cofinity Network Provider within Colorado please Click Here
Please note that when accessing medical services provided by any Cofinity medical provider/facility applicable Deductibles, Co-pays and Co-Insurance will apply.
To Search for firstHealth Network provider outside of Colorado Click Here
Please note that when accessing medical services provided by any First Health medical provider/facility applicable Deductibles, Co-pays and Co-Insurance will apply.
Participating students may access their health plan information, print a temporary medical I.D. card or find In-Network pharmacies, doctors, specialists and hospitals by clicking the links below.
Participating students may access their individual claims and eligibility (under View my Account), update SSNs, print 1095B Form for tax purposes, or see United Healthcare Privacy Notice by visiting this link below.
Magellan Prescription Plan
Magellan RX Management is MSU Denver’s new prescription benefit provider. Magellan RX Management is dedicated to giving you the best service and resources to help you make better healthcare decisions.
Using Your Prescription Drug Card at Participating Retail Pharmacy Outlets
Students participating in the Student Health Insurance Plan will be mailed one I.D. card that is for both medical and pharmacy. If a prescription(s) must be filled prior to receiving your I.D. card, you must pay for the prescription(s) and submit a completed Prescription Claim Form to Magellan to have it apply to the plan benefits. Please submit a claim form every time you fill a prescription without your I.D. card! There is a $200 deductible to be satisfied first, then copays will apply. Please note: Prescriptions filled at the campus Health Center do not apply towards the $200.00 annual deductible.
A participating pharmacy list, drug formulary and other online tools can be found at www.MagellanRX.com .
Magellan RX Management
4801 S. Washington Street, Suite 100
Phoenix, AZ 85034
If you are no longer active on MSU Denver Student health insurance plan and are wanting to purchase other insurance, you may request a written letter of termination, also known as a " Certificate of Coverage", by contacting Ameriben IEC Group at 1-800-953-1801. This letter may be mailed or emailed to you so be sure to check your contact information on file with Ameriben.
Travel Assistance – United Healthcare Global Services
Travel Assistance through United Healthcare Global provides the insured student with access to doctors, hospitals and pharmacies when faced with a travel or medical emergency while traveling 100 miles or more from his/her permanent residence or abroad. The program also provides emergency security and natural disaster assistance services when you are outside of your home country. Click on the links below for more information about United Healthcare Global.
Student Health Insurance Office
PO Box 173362
Campus Box 81
Denver, Co 80217-3362
Monday -Thursday: 8:00 a.m. - 5:00 p.m.
Friday: 8:00 a.m. - 3:00 p.m.
CLAIMS PROCESSING: Ameriben or 800-953-1801
NETWORK PROVIDERS: Cofinity (Inside of Colorado) or 800-831-1166
First Health (outside of Colorado) or 800-226-5116