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Student Health Insurance Plan (SHIP) - Student Financial Services
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href="/ord/investigator-toolkit/principal-investigator-quick-reference/">Manage Your Grant</a></li> <li><a href="/cits/research-computing/">Research Computing</a></li> <li><a href="/spa/policies-and-procedures/">Research Policies and Procedures</a></li> <li><a href="/ictr/">UMB ICTR</a></li> <li><a href="/cacpr/">CACPR</a></li> <li><a href="/cares/">UMB CARES</a></li> <li><a href="/violence-prevention/">Center for Violence Prevention</a></li> </ul> </div><div class="col-lg-2"> <a class="menu-title" href="/research/offices-and-contacts/">Offices and Contacts</a> <ul> <li><a href="/ord/">Office of Research and Development</a></li> <li><a href="/cct/">Center for Clinical Trials and Corporate Contracts</a></li> <li><a href="/spa/">Sponsored Programs Administration</a></li> <li><a href="http://www.umventures.org/">Technology Transfer/UM Ventures</a></li> <li><a href="http://www.umbiopark.com/">UM BioPark</a></li> <li><a href="/research/offices-and-contacts/contact-us/">Contact Research and Development</a></li> <li><a href="/oac/">Accountability and Compliance</a></li> </ul> </div> </div> </div> </li> <li class="full-width"><a class="main_nav_link" href="/services/">Services</a> <div animate-in='slideDown' animate-out='slideUp' class="dropdown-menu row" ><!-- Container 5 columns starts here --> <!-- navigation object : Mega Menu Sevices --><div class="content"> <!-- navigation object : Mega Menu Level 2 include Menus --><div class="row"> <div class="col-lg-12"> <p style="border-bottom: 1px solid #DDD; padding: 14px 14px 10px 14px; margin-bottom: 0px;"><a class="menu-title" style="display: inline;" href="/services/">Services</a> For students, faculty, and staff, international and on-campus</p> </div> </div> <div class="col-lg-2"> <a class="menu-title" href="/services/student-services/">Student Services</a> <ul> <li><a href="/studenthealth/">Student Health Resources</a></li> <li><a href="/student-financial-services/student-insurance/">Student Insurance</a></li> <li><a href="/disabilityservices/">Educational Support and Disability Services</a></li> <li><a href="/writing/">Writing Center</a></li> <li><a href="/urecfit/">URecFit and Wellness</a></li> <li><a href="http://umb.bncollege.com/webapp/wcs/stores/servlet/BNCBHomePage?storeId=34553&catalogId=10001&langId=-1" target="_blank">Bookstore</a></li> <li><a href="/ile/">Intercultural Leadership and Engagement</a></li> <li><a href="/onecard/">One Card</a></li> <li><a href="/services/student-services/educational-technology/">Educational Technology</a></li> <li><a href="/counseling/">Student Counseling Center</a></li> <li><a href="/recovery/">UMB Scholars for Recovery</a></li> <li><a href="/umb-student-affairs/">UMB Student Affairs</a></li> </ul> </div><div class="col-lg-2"> <a class="menu-title" href="/services/faculty-and-staff-services/">Faculty and Staff Services</a> <ul> <li><a href="/hrs/">Human Resource Services</a></li> <li><a href="/controller/disbursements/travel/">Travel Services</a></li> <li><a href="/procurement/">Strategic Sourcing and Acquisition Services</a></li> <li><a href="/controller/">Office of the Controller</a></li> <li><a href="/ombuds/">Office of the Ombuds </a></li> <li><a href="/hrs/current-employees/well-being/employee-assistance-program-eap/">Employee Assistance Program (EAP)</a></li> <li><a href="/mediation/">Workplace Mediation Service</a></li> <li><a href="/fctl/">Faculty Center for Teaching and Learning</a></li> </ul> </div><div class="col-lg-2"> <a class="menu-title" href="/services/international-services/">International Services</a> <ul> <li><a href="/travel/">UMB Travel: Start Here</a></li> <li><a href="/global-hub/">Global Hub</a></li> <li><a href="/ois/">International Students, Scholars, and Employees</a></li> <li><a href="/global/">Center for Global Engagement</a></li> <li><a href="https://www.internationalsos.com/MasterPortal/default.aspx?membnum=11BCAS519702" target="_blank">International Travel SOS</a></li> <li><a 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Library</a></li> <li><a href="http://www.law.umaryland.edu/library/">Thurgood Marshall Law Library</a></li> </ul> <a class="menu-title" href="/about-umb/museums/">Museums</a> <ul> </ul> <a class="menu-title" href="/university-life/arts/">Arts and Culture</a> <ul> </ul> <a class="menu-title" href="/university-life/rooms-available-on-campus/">Rooms Available on Campus</a> <a class="menu-title" href=""></a> <a class="menu-title" href=""></a> </div><div class="col-lg-2"> <a class="menu-title" href="/urecfit/">URecFit and Wellness</a> <ul> <li><a href="/urecfit/planned-closures/">Planned Closures</a></li> <li><a href="/urecfit/membership/">Membership</a></li> <li><a href="/urecfit/about-us/facilities/">Facilities</a></li> <li><a href="/urecfit/fitness/">Fitness</a></li> <li><a href="/urecfit/aquatics/">Aquatics</a></li> <li><a href="/urecfit/intramural-sports/">Intramural Sports</a></li> <li><a href="/urecfit/safety-education/">Safety Education</a></li> <li><a href="/urecfit/about-us/">About URecFit and Wellness</a></li> </ul> <a class="menu-title" href=""></a> <ul> </ul> <a class="menu-title" href=""></a> <ul> </ul> <a class="menu-title" href=""></a> <ul> </ul> <a class="menu-title" href=""></a> <a class="menu-title" href=""></a> <a class="menu-title" href=""></a> </div><div class="col-lg-2"> <a class="menu-title" href="/onecard/">One Card</a> <ul> <li><a href="/onecard/how-to-get-your-one-card/">How to Get Your One Card</a></li> <li><a href="/onecard/my-account/">My Account</a></li> <li><a href="/onecard/one-card-uses/">One Card Uses</a></li> <li><a href="/onecard/lost-one-card/">Lost One Card</a></li> <li><a href="/onecard/policies/">One Card Policies</a></li> <li><a href="/onecard/photo-services/">Photo Services</a></li> <li><a href="/onecard/forms/">One Card Forms</a></li> <li><a href="/onecard/faqs/">One Card FAQs</a></li> <li><a href="/onecard/office-hours-and-directions/">Office Hours and Directions</a></li> </ul> </div> </div> </div> </li> <li class="full-width"><a class="main_nav_link" href="/give-to-umb/">Give to UMB</a> <div animate-in='slideDown' animate-out='slideUp' class="dropdown-menu row" > <!-- navigation object : Mega Menu Support UMB --><div class="content"> <!-- navigation object : Mega Menu Level 2 include Menus --><div class="row"> <div class="col-lg-12"> <p style="border-bottom: 1px solid #DDD; padding: 14px 14px 10px 14px; margin-bottom: 0px;"><a class="menu-title" style="display: inline;" href="/give-to-umb/">Give to UMB</a> Sustain excellence and meet UMB's educational needs for today and tomorrow.</p> </div> </div> <span id="d.en.62601"></span> <div class="general_content"> <div class="col-lg-6 megacontent"> <div class="col-lg-4"> <img src="/media/umb/philanthropy/GiveNow-Davidge-400w.jpg" alt="Davidge Hall" style=" " /> </div> <div class="col-lg-8"> <div class="one-column-content"> <h5><strong>Thank You for Your Gift to UMB<br></strong></h5> <p class="quote">The University of Maryland, Baltimore (UMB) is excited to share its new online giving page.</p> <p class="quote">With enhanced searchability, a streamlined checkout process, and new ways to give such as Venmo, PayPal, Apple Pay, and Google Pay in addition to credit card, donors can support UMB quickly and securely.</p> <p><a class="umb_pillbutton" href="https://www.givecampus.com/rnuhn2" target="_blank">Donate</a></p> </div> </div> </div><div class="col-lg-2"> <a class="menu-title" href="https://www.givecampus.com/rnuhn2">Give Now</a> <ul> <li><a href="/philanthropy/why-give/">Why Give?</a></li> <li><a href="/philanthropy/ways-to-give/">Ways to Give</a></li> <li><a href="/philanthropy/where-to-give/">Where to Give</a></li> <li><a href="/philanthropy/staying-connected/">Staying Connected: You and UMB</a></li> <li><a href="/umbf/">The UMB Foundation</a></li> <li><a href="/philanthropy/">Office of Philanthropy</a></li> <li><a href="/maryland-charity-campaign/">Maryland Charity Campaign</a></li> </ul> <a class="menu-title" href=""></a> <ul> </ul> <a class="menu-title" href=""></a> <ul> </ul> <a class="menu-title" href=""></a> <ul> </ul> <a class="menu-title" href=""></a> <a class="menu-title" href=""></a> <a class="menu-title" href=""></a> </div> </div> </div> </li> </ul> </div> </div> </div> <!-- close / #main_menu --> <!-- close / .container--> </header> <!-- close /.header --> <!-- begin #page - the container for everything but header --> <div id="page"> <!-- Include popups --> <img id="logo-for-print" src="/media/umb/style-assets/images/logo-for-print.png" style="display:none;" alt="University of Maryland, Baltimore" > <!--Page title and description for structured data (must be after the opening body tag)--> <meta itemprop="name" content="Student Health Insurance Plan (SHIP)" /> <!--******************************************* BUILDING BLOCK: Standard Branch Title + Breadcrumb *******************************************--> <!-- navigation object: UMB Template: Standard Branch Title + Breadcrumb Part A --> <div class="hero-unit" role="banner" aria-label="Branch Title and Breadcrumb"> <div class="container"> <div class="row-fluid" role="navigation" aria-label="Breadcrumb"> <!-- navigation object : UMB Breadcrumb --><ul class="breadcrumb" itemprop="breadcrumb" itemscope itemtype="http://schema.org/BreadcrumbList" ><li itemprop="itemListElement"><a href="/">UMB Home</a></li><li itemprop="itemListElement"><a href="/about-umb/">About UMB</a></li><li itemprop="itemListElement"><a href="/about-umb/offices/">Offices</a></li><li itemprop="itemListElement"><a href="/controller/">Office of the Controller</a></li><li itemprop="itemListElement"><a href="/student-financial-services/">Student Financial Services</a></li><li itemprop="itemListElement"><a href="/student-financial-services/student-insurance/">Student Insurance</a></li><li itemprop="itemListElement">Student Health Insurance Plan (SHIP)</li></ul> <!-- navigation object: UMB Template: Standard Branch Title + Breadcrumb Part B --> </div> <div class="row-fluid"> <h1 role="banner" aria-label="Branch Title"> <!-- navigation object : Site Name --><span itemscope itemtype="http://schema.org/WebSite" > <a href="/student-financial-services/" itemprop="url"> <span itemprop="name"> Student Financial Services </span> </a> </span> <!-- navigation object: UMB Template: Standard Branch Title + Breadcrumb Part C --></h1> </div> <!-- navigation object : Branch Level Alert --> <!-- navigation object: UMB Template: Standard Branch Title + Breadcrumb Part D --> </div> <!--close container--> </div> <!--close hero-unit--> <!--******************************************* BUILDING BLOCK: Main Column with Branch Navigation *******************************************--> <!-- navigation object: UMB Template: Main Column with Branch Navigation Part A --> <div class="container clearfix" id="main-content"> <!--begin main content--> <!--close span6--> <div class="row-fluid sidebar-left"> <!--begin row-fluid--> <div class="span3 sidebar secondary-column" id="secondary-nav" itemscope itemtype="http://schema.org/SiteNavigationElement" role="complementary" aria-label="Secondary Content"> <aside class="widget" role="navigation" aria-label="Branch Navigation Menu"> <ul class="navigation nocontent"> <!-- Branch navigation menu to be included in page layout --> <!-- navigation object : Site Left Menu --><li><a href="/student-financial-services/payments-and-billing/">Payments and Billing</a> <ul class="multilevel-linkul-0"> <li><a href="/student-financial-services/payments-and-billing/due-dates-and-payment-options/">Due Dates and Payment Options</a></li> <li><a href="/student-financial-services/payments-and-billing/ebilling-and-online-payments/">eBilling and Online Payments</a></li> <li><a href="/student-financial-services/payments-and-billing/internal-payments/">Internal Payments</a></li> <li><a href="/student-financial-services/payments-and-billing/seat-deposits/">Seat Deposits</a></li> <li><a href="/student-financial-services/payments-and-billing/third-party-billing/">Third Party Billing</a></li> <li><a href="/student-financial-services/payments-and-billing/1098t/">1098-T (1098-T Form)</a></li> <li><a href="/student-financial-services/payments-and-billing/tuition-remission/">Tuition Remission Payments</a></li> </ul> </li><li><a href="/student-financial-services/tuition-and-fees/">Tuition and Fees</a> <ul class="multilevel-linkul-0"> <li><a href="/student-financial-services/tuition-and-fees/carey-school-of-law/">Carey School of Law</a> <ul class="multilevel-linkul-1"> <li><a href="/student-financial-services/tuition-and-fees/carey-school-of-law/jd/">Juris Doctor Degree (JD)</a></li> <li><a href="/student-financial-services/tuition-and-fees/carey-school-of-law/llm/">Master of Laws (LLM)</a></li> <li><a href="/student-financial-services/tuition-and-fees/carey-school-of-law/master-of-science-in-law/">Master of Science in Law</a></li> </ul> </li> <li><a href="/student-financial-services/tuition-and-fees/graduate/">School of Graduate Studies</a> <ul class="multilevel-linkul-1"> <li><a href="/student-financial-services/tuition-and-fees/graduate/on-campus/">On-Campus</a></li> <li><a href="/student-financial-services/tuition-and-fees/graduate/physician-assistant-program/">Physician Assistant Program</a></li> <li><a href="/student-financial-services/tuition-and-fees/graduate/online-programs/">Online Programs</a></li> <li><a href="/student-financial-services/tuition-and-fees/graduate/online-certificate-programs/">Online Certificate Programs</a></li> </ul> </li> <li><a href="/student-financial-services/tuition-and-fees/dentistry/">School of Dentistry</a> <ul class="multilevel-linkul-1"> <li><a href="/student-financial-services/tuition-and-fees/dentistry/dds/">Doctor of Dental Surgery (DDS)</a></li> <li><a href="/student-financial-services/tuition-and-fees/dentistry/dental-hygiene-programs/">Dental Hygiene Programs</a> <ul class="multilevel-linkul-2"> <li><a href="/student-financial-services/tuition-and-fees/dentistry/dental-hygiene-programs/dental-hygiene/">Dental Hygiene</a></li> <li><a href="/student-financial-services/tuition-and-fees/dentistry/dental-hygiene-programs/dental-hygiene---degree-completion/">Dental Hygiene - Degree Completion</a></li> <li><a href="/student-financial-services/tuition-and-fees/dentistry/dental-hygiene-programs/dental-hygiene---non-clinical/">Dental Hygiene - Non-Clinical</a></li> </ul> </li> <li><a href="/student-financial-services/tuition-and-fees/dentistry/post-graduate-dental/">Post Graduate Dental</a></li> <li><a href="/student-financial-services/tuition-and-fees/dentistry/shady-grove-school-of-dentistry/">Shady Grove School of Dentistry</a></li> </ul> </li> <li><a href="/student-financial-services/tuition-and-fees/medicine/">School of Medicine</a> <ul class="multilevel-linkul-1"> <li><a href="/student-financial-services/tuition-and-fees/medicine/clinical-research-certificate/">Clinical Research Certificate</a></li> <li><a href="/student-financial-services/tuition-and-fees/medicine/doctor-of-physical-therapy/">Doctor of Physical Therapy</a></li> <li><a href="/student-financial-services/tuition-and-fees/medicine/masters-of-genetic-counseling/">Master's of Genetic Counseling</a></li> <li><a href="/student-financial-services/tuition-and-fees/medicine/md/">MD</a></li> <li><a href="/student-financial-services/tuition-and-fees/medicine/medical-technology/">Medical Technology</a></li> <li><a href="/student-financial-services/tuition-and-fees/medicine/medical-technology-online/">Medical Technology Online</a></li> <li><a href="/student-financial-services/tuition-and-fees/medicine/public-health/">Public Health</a></li> <li><a href="/student-financial-services/tuition-and-fees/medicine/public-health-dual-degree-step-out-year/">Public Health Dual Degree (Step Out Year)</a></li> </ul> </li> <li><a href="/student-financial-services/tuition-and-fees/nursing/">School of Nursing</a> <ul class="multilevel-linkul-1"> <li><a href="/student-financial-services/tuition-and-fees/nursing/undergraduate/">Undergraduate</a></li> <li><a href="/student-financial-services/tuition-and-fees/nursing/graduate/">Graduate</a></li> <li><a href="/student-financial-services/tuition-and-fees/nursing/certificate-programs/">Certificate Programs</a></li> <li><a href="/student-financial-services/tuition-and-fees/nursing/shady-grove/">Shady Grove</a></li> <li><a href="/student-financial-services/tuition-and-fees/nursing/online-programs/">Online Programs</a></li> </ul> </li> <li><a href="/student-financial-services/tuition-and-fees/pharmacy/">School of Pharmacy</a> <ul class="multilevel-linkul-1"> <li><a href="/student-financial-services/tuition-and-fees/pharmacy/on-campus/">On Campus</a></li> <li><a href="/student-financial-services/tuition-and-fees/pharmacy/shady-grove/">Shady Grove</a></li> <li><a href="/student-financial-services/tuition-and-fees/pharmacy/online-programs/">Online Programs</a></li> </ul> </li> <li><a href="/student-financial-services/tuition-and-fees/school-of-social-work/">School of Social Work</a> <ul class="multilevel-linkul-1"> <li><a href="/student-financial-services/tuition-and-fees/school-of-social-work/on-campus-admitted-fall-2023-and-later/">On Campus (Admitted Fall 2023 and Later)</a></li> <li><a href="/student-financial-services/tuition-and-fees/school-of-social-work/on-campus-admitted-prior-to-fall-2023/">On Campus (Admitted Prior to Fall 2023)</a></li> <li><a href="/student-financial-services/tuition-and-fees/school-of-social-work/shady-grove-admitted-fall-2023-and-later/">Shady Grove (Admitted Fall 2023 and Later)</a></li> <li><a href="/student-financial-services/tuition-and-fees/school-of-social-work/shady-grove-admitted-prior-fall-2023/">Shady Grove (Admitted Prior Fall 2023)</a></li> <li><a href="/student-financial-services/tuition-and-fees/school-of-social-work/online-msw/">Online MSW</a></li> </ul> </li> <li><a href="/student-financial-services/tuition-and-fees/summer-term/">Summer Term</a> <ul class="multilevel-linkul-1"> <li><a href="/student-financial-services/tuition-and-fees/summer-term/on-campus/">On Campus</a></li> <li><a href="/student-financial-services/tuition-and-fees/summer-term/shady-grove-campus/">Shady Grove Campus</a></li> <li><a href="/student-financial-services/tuition-and-fees/summer-term/online/">Online</a></li> </ul> </li> </ul> </li><li><a href="/student-financial-services/disbursements-and-refunds/">Disbursements and Refunds</a></li><li><a href="/student-financial-services/loan-repayment/">Nursing and Health Professions Loan Repayment</a></li><li><a href="/student-financial-services/student-insurance/">Student Insurance</a> <ul class="multilevel-linkul-0"> <li><a href="/student-financial-services/student-insurance/ship/">Student Health Insurance Plan (SHIP)</a></li> <li><a href="/student-financial-services/student-insurance/student-accident-insurance/">Student Accident Insurance</a></li> <li><a href="/student-financial-services/student-insurance/dental-and-vision-insurance-/">Dental and Vision Insurance </a></li> </ul> </li><li><a href="/student-financial-services/university-cashier/">University Cashier</a></li><li><a href="/student-financial-services/contact-the-office/">Contact the Office</a> <ul class="multilevel-linkul-0"> <li><a href="/student-financial-services/contact-the-office/student-comment-form/">Student Comment Form</a></li> </ul> </li> <!-- navigation object: UMB Template: Main Column with Branch Navigation Part B --> </ul> </aside> <!--close aside widget--> <!-- Left column includes must be referenced in the page layout itself --> <!-- navigation object : Include content from Left Column --> <!-- navigation object : Include content from Left Column to branch --><div id="StandardContactBoxWrapper"> <div> <div id="StandardContactBox" class="no_link_icon"> <h1 class="contactTab">contact</h1> <div class="row-fluid personbox"> <div class="span2 iconcol"><span class="glyphicon glyphicon-user"></span></div><div class="span10 infocol"><p><strong>Jordan Nixon</strong><br /><em>Assistant Controller-Bursar</em></p></div></div> <div class="row-fluid emailbox" ><div class="span2 iconcol"><span class="glyphicon glyphicon-envelope"></span></div> <div class="span10 infocol"> <a href="mailto:StudentAccountHelp@umaryland.edu"><p>StudentAccountHelp@umaryland.edu</p></a></div></div> <div class="row-fluid addressbox"><div class="span2 iconcol"><span class="glyphicon glyphicon-map-marker"></span></div><div class="span10 infocol"><a href="https://www.google.com/maps/place/601 W. Lombard St. Baltimore, MD 21201"><p><strong>Student Financial Services</strong><br />601 W. Lombard St.<br />Suite 206<br />Baltimore, MD 21201</p></a></div></div> <div class="row-fluid phonebox" > <div class="span2 iconcol"><span class="glyphicon glyphicon-earphone"></span></div> <div class="span10 infocol"><a href="tel:410-706-2930"><p><strong>P </strong>410-706-2930</p></a></div></div> <div class="row-fluid" style="padding-top: .4em;"><p><p><strong><span class="ui-provider a b c d e f g h i j k l m n o p q r s t u v w x y z ab ac ae af ag ah ai aj ak" dir="ltr">Office Hours</span></strong></p> <p><span><span class="ui-provider a b c d e f g h i j k l m n o p q r s t u v w x y z ab ac ae af ag ah ai aj ak" dir="ltr">On Campus: <br />Monday – Thursday <br />8:00 am – 4:30 pm<br /><br />Virtual (Via Phone/ Email): <br />Friday <br />8:00 am – 4:30 pm </span></span></p></p></div> </div> </div> <div class="row-fluid " style=""> <div class=""> </div> </div> </div> <!-- navigation object: UMB Template: Main Column with Branch Navigation Part C --> </div> <!--close section sidebar span3--> <div class="span9 primary-column" itemprop="mainContentOfPage" role="main"> <!--begin primary column content--> <!--******************************************* BUILDING BLOCK: Page Title *******************************************--> <!-- navigation object: UMB Template: Page Title Part A --> <!--Page title--> <div class="row-fluid content_title"> <div class="span12"> <h2 role="banner" aria-label="Page Title"> <span> <!-- Page title to be output in the page layout itself --> <!-- output page title -->Student Health Insurance Plan (SHIP) <!-- navigation object: UMB Template: Page Title Part B --> </span> </h2> </div> </div> <!--******************************************* Beginning of main content area *******************************************--> <span id="d.en.754691"></span><div class="row-fluid general_content"> <div class="span12"> <div class="one-column-content"> <p><span class="umb_lead"><strong><a href="#IDCards">ID Cards</a> | <a href="#waiving">Waiving</a> | <a href="#Enrolling">Enrolling</a> | <a href="#MedicalLeaveofAbsence">Medical Leave of Absence</a> | <a href="#LossofCoverage">Loss of Coverage</a></strong></span></p> <p data-block-id="85769d7d-9fc9-4d1b-b26a-4962d29f38f5" data-pm-slice="1 1 []"><span class="umb_lead">All full-time students (Graduate Level – 9+ credit hours, Undergraduate Level – 12+ credit hours) are billed the student health insurance fee. They will be automatically enrolled in the Student Health Insurance Plan (SHIP) after the waiver period. For students starting in the Fall, coverage is retroactive to August 1. For students starting in the spring, coverage is retroactive to February 1. This coverage can be waived if a student provides proof of adequate health insurance by the waiver deadline. </span></p> <p>Any students taking fewer than 9 credit hours for Graduate Programs and 12 credit hours for Undergraduate Programs will not be automatically billed for SHIP, but are eligible to enroll on a voluntary basis, excluding students enrolled in a designated Online Only Program. </p> <p>If full-time students are enrolled in online classes that are not part of a designated Online Only Program, they are subject to the health insurance requirement as noted above. Students enrolled in designated Online Only Programs are not eligible for SHIP, unless they are part of the online MSW Program.</p> </div></div> </div><span id="d.en.766737"></span><div class="row-fluid general_content"> <div class="span12"> <h3 class="short_headline">UMB Health Insurance Requirement</h3> <div class="one-column-content"> <p>UMB professional and graduate students engage in different types of educational work on campus and participate in experiential education in the workplace — pharmacies, schools, hospitals, rehabilitation units, field sites, community service centers, etc. As such, students face workplace risks but do not qualify for workers compensation insurance to cover workplace injuries or accidents on a no-fault basis. To ensure that UMB students have access to medical care and do not present an undue legal or financial risk to the University or its affiliates, students are required to have ACA-compliant health insurance. The UMB Student Health Insurance Plan provides the appropriate coverage under ACA and consumer protections through regulation by the State of Maryland Insurance Administration.<a id="IDCards"></a></p> </div></div> </div><span id="d.en.766711"></span><div class="row-fluid general_content"> <div class="span12"> <h3 class="short_headline">ID Cards</h3> <div class="one-column-content"> <p>United HealthCare ID cards are typically available 5-7 days after your enrollment is processed. To obtain your ID card and create an online account with United Healthcare, please follow these instructions:</p> <ol> <li>Go to<span> </span><a href="http://www.uhcsr.com/MyAccount/" target="_blank" rel="noopener">www.uhcsr.com/MyAccount/<span class="glyphicon glyphicon-new-window ext-link-icon"></span></a></li> <li>Click “Create Account”</li> <li>Complete the registration form using your name, date of birth, and student ID number.</li> <li>Once logged in, you will have access to ID cards, claim information, EOB’s and other plan-related information.<strong style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;"><em> </em></strong></li> </ol> <p><a id="waiving"></a></p> </div></div> </div><span id="d.en.757341"></span><div class="row-fluid general_content"> <div class="span12"> <h3 class="short_headline">Waiving the Student Health Insurance Plan (SHIP)</h3> <div class="one-column-content"> <p><strong><span data-contrast="auto" xml:lang="EN-US" lang="EN-US" class="TextRun MacChromeBold SCXW150630266 BCX0"><span class="NormalTextRun SCXW150630266 BCX0">The w</span><span class="NormalTextRun SCXW150630266 BCX0">aiver </span><span class="NormalTextRun SCXW150630266 BCX0">d</span><span class="NormalTextRun SCXW150630266 BCX0">eadline is September 15th for </span><span class="NormalTextRun SCXW150630266 BCX0">s</span><span class="NormalTextRun SCXW150630266 BCX0">tudents admitted in the Fall</span><span class="NormalTextRun SCXW150630266 BCX0">,</span><span class="NormalTextRun SCXW150630266 BCX0"> and February 15th for students admitted in the Spring.</span></span></strong><span data-contrast="auto" xml:lang="EN-US" lang="EN-US" class="TextRun SCXW150630266 BCX0"><span class="NormalTextRun SCXW150630266 BCX0"> </span><span class="NormalTextRun SCXW150630266 BCX0">A w</span><span class="NormalTextRun SCXW150630266 BCX0">aiver </span><span class="NormalTextRun SCXW150630266 BCX0">f</span><span class="NormalTextRun SCXW150630266 BCX0">orm only needs to be completed </span><span class="NormalTextRun ContextualSpellingAndGrammarErrorV2Themed SCXW150630266 BCX0">once if</span><span class="NormalTextRun SCXW150630266 BCX0"> admitted in the </span><span class="NormalTextRun SCXW150630266 BCX0">F</span><span class="NormalTextRun SCXW150630266 BCX0">all</span><span class="NormalTextRun SCXW150630266 BCX0"> and</span><span class="NormalTextRun SCXW150630266 BCX0"> is still valid for </span><span class="NormalTextRun SCXW150630266 BCX0">the</span><span class="NormalTextRun SCXW150630266 BCX0"> Spring semester. </span><span class="NormalTextRun AdvancedProofingIssueV2Themed SCXW150630266 BCX0">A new Enrollment/Waiver Form will need to be completed each new academic year in the Fall semester.</span><span class="NormalTextRun SCXW150630266 BCX0"> </span></span><span class="EOP SCXW150630266 BCX0" data-ccp-props="{}"> </span></p> <h4><span>Criteria for Waiving SHIP Plan</span></h4> <p>To be eligible to waive the UMB SHIP, you must be currently enrolled in a health insurance plan that meets UMB’s waiver requirements. The following criteria are used by Gallagher Student Health and Special Risk when reviewing and approving waiver requests:</p> <ul> <li>For approval of a waiver, the level of benefits provided through a health insurance plan must be fully compliant with the Affordable Care Act (ACA). Coverage is considered comparable if it provides students with access to local providers and a range of services in the state of Maryland.</li> <li>Services include but are not limited to, preventive and non-urgent care, emergency care, surgical care, inpatient and outpatient hospitalization, lab work, diagnostic X-rays, physical therapy and chiropractic care, prescription drugs, and mental health and substance abuse treatment. </li> </ul> <p>If a plan is an HMO, it is very likely that coverage is limited, or not available, outside of the HMO’s service area. Before deciding whether or not to waive coverage, students should compare their current health insurance plan to the UMB Student Health Insurance Plan for cost-sharing levels (deductibles and coinsurance) and access to in-network providers. </p> <p><strong><em>Plans that are not considered comparable include plans that only provide emergency services in Maryland, plans that are purchased on a short-term basis, international or travel insurance plans, out-of-state HMOs or other restricted managed care plans, and out-of-state Medicaid plans.</em></strong></p> <h4>How to Waive the SHIP Plan</h4> <p><span data-contrast="auto">To waive the student health insurance, select the “Waive” option once logged in to Gallagher and provide proof of adequate health insurance.</span><span data-ccp-props="{}"> </span></p> <p><strong>To login to Gallagher: </strong></p> <ol> <li data-leveltext="%1." data-font="" data-listid="1" data-list-defn-props="{"335552541":0,"335559685":720,"335559991":360,"469769242":[65533,0],"469777803":"left","469777804":"%1.","469777815":"hybridMultilevel"}" aria-setsize="-1" data-aria-posinset="1" data-aria-level="1"><span data-contrast="auto">Login to SURFS</span><span data-ccp-props="{}"> </span></li> <li data-leveltext="%1." data-font="" data-listid="1" data-list-defn-props="{"335552541":0,"335559685":720,"335559991":360,"469769242":[65533,0],"469777803":"left","469777804":"%1.","469777815":"hybridMultilevel"}" aria-setsize="-1" data-aria-posinset="1" data-aria-level="1">Select the Student tab<span data-ccp-props="{}" style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;"> </span></li> <li data-leveltext="%1." data-font="" data-listid="1" data-list-defn-props="{"335552541":0,"335559685":720,"335559991":360,"469769242":[65533,0],"469777803":"left","469777804":"%1.","469777815":"hybridMultilevel"}" aria-setsize="-1" data-aria-posinset="1" data-aria-level="1">Click on Gallagher Student Health<span data-ccp-props="{}" style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;"> </span></li> </ol> <p><strong><em>For each new policy year, Gallagher’s website will not be available to complete an Enrollment or Waiver Form until the last week of June. Students will receive an email from Gallagher Student Health & Special Risk to your UMB email address providing instructions to complete the forms once the website is available.</em><span> </span></strong></p> <h4>Approval</h4> <p><span data-contrast="auto" xml:lang="EN-US" lang="EN-US" class="TextRun SCXW192960233 BCX0"><span class="NormalTextRun SCXW192960233 BCX0">Once a full-time student receives an approved waiver, the Student Health Insurance Premium will be removed from their tuition and fees bill.</span><span class="NormalTextRun SCXW192960233 BCX0"> Please allow 5 business days from </span><span class="NormalTextRun SCXW192960233 BCX0">the waiver approval date for the waiver to reflect on your student account.</span><span class="NormalTextRun SCXW192960233 BCX0"> Full-time students who are not approved for a waiver and do not voluntarily enroll in the SHIP will be enrolled by UMB at the end of the waiver period with retroactive coverage back to August 1 for the Fall semester and for students starting in the Spring, retroactive coverage back to February 1.</span></span><span class="EOP SCXW192960233 BCX0" data-ccp-props="{}"> </span></p> <p>If your waiver is denied, you will receive an email notice from Gallagher stating the reason you were denied. If you feel the denial was in error, you can modify your submitted form or upload supporting documentation for review. For information regarding why your waiver was denied and what steps you can take to address the denial, please visit the <a href="https://www.gallagherstudent.com/miscforms/Waiver%20Denial%20Explanation%20Remediation.pdf">Gallagher website</a>. </p> <p>Waivers can be viewed at any time; however, waivers can only be edited for resubmission within the designated waiver period.</p> <p>Waivers are processed using both student and system provided information. Determination of approval or denial is based on information that is available at the time of processing and is not an indication of future approvals or denials.</p> <h4>Missed the Waiver Deadline</h4> <p>Students subject to the SHIP enrollment/waiver requirement who missed the published UMB waiver deadline for Fall or Spring can appeal for a late waiver by providing justification for why they could not apply for a waiver prior to the deadline. Please contact <a href="mailto:studentaccounthelp@umaryland.edu">studentaccounthelp@umaryland.edu</a> for assistance with filing an appeal with Gallagher. </p> <p><strong>The appeal timeframe is as follows:</strong></p> <p style="padding-left: 30px;">Fall Semester: September 16th through October 1st</p> <p style="padding-left: 30px;">Spring Semester: February 16th through March 1st<a id="Enrolling"></a></p> </div></div> </div><span id="d.en.757360"></span><div class="row-fluid general_content"> <div class="span12"> <h3 class="short_headline">Enrolling in the SHIP Plan</h3> <div class="one-column-content"> <p><strong><span data-contrast="auto">The enrollment deadline is September 15th for students admitted in the Fall, and February 15th for students admitted in the Spring.</span></strong><span data-contrast="auto"> An enrollment form only needs to be completed once if admitted in the Fall and is still valid for the Spring semester. A new Enrollment/Waiver Form will need to be completed each new academic year in the Fall semester. </span><span data-ccp-props="{}"> </span></p> <p><span data-contrast="auto">If you wish to enroll into the UMB Student Health Insurance Plan, once the website has opened for the new policy year, please complete the online Enrollment Form as soon as possible to ensure active coverage and receive your ID card by the coverage start date. </span><span data-ccp-props="{}"> </span></p> <p><span data-contrast="auto">To enroll into the student health insurance, select the “Enroll” option once logged in to Gallagher and complete the required form. Your registration at UMB will be verified, and the SHIP enrollment will be processed.</span><span data-ccp-props="{}"> </span></p> <p><strong>To login to Gallagher:</strong><span data-ccp-props="{}"> </span></p> <ol> <li data-leveltext="%1." data-font="" data-listid="2" data-list-defn-props="{"335552541":0,"335559685":720,"335559991":360,"469769242":[65533,0],"469777803":"left","469777804":"%1.","469777815":"hybridMultilevel"}" aria-setsize="-1" data-aria-posinset="1" data-aria-level="1"><span data-contrast="auto">Login to SURFS</span><span data-ccp-props="{}"> </span></li> <li data-leveltext="%1." data-font="" data-listid="2" data-list-defn-props="{"335552541":0,"335559685":720,"335559991":360,"469769242":[65533,0],"469777803":"left","469777804":"%1.","469777815":"hybridMultilevel"}" aria-setsize="-1" data-aria-posinset="1" data-aria-level="1">Select the Student tab<span data-ccp-props="{}" style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;"> </span></li> <li data-leveltext="%1." data-font="" data-listid="2" data-list-defn-props="{"335552541":0,"335559685":720,"335559991":360,"469769242":[65533,0],"469777803":"left","469777804":"%1.","469777815":"hybridMultilevel"}" aria-setsize="-1" data-aria-posinset="1" data-aria-level="1">Click on Gallagher Student Health<span data-ccp-props="{}" style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;"> </span></li> </ol> <h4><span data-ccp-props="{}" style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">New Students enrolled in Early Start Fall Programs</span></h4> <p><span>New UMB students who are enrolled in a program that has a start date in June or July can enroll in supplemental SHIP coverage, since Fall coverage is effective August 1st. </span></p> <p><span>If you would like to add June and/or July coverage, please complete the <a href="https://powerforms.docusign.net/46d39969-7cd8-4694-bbee-054ec859865c?env=na3&acct=f779d0ec-0798-4308-920b-6ee2bfff1782&accountId=f779d0ec-0798-4308-920b-6ee2bfff1782">Supplemental Enrollment Form via DocuSign</a>.</span><span> Once completed, SFS will submit your enrollment to Gallagher.</span></p> <p><a id="MedicalLeaveofAbsence"></a></p> </div></div> </div><span id="d.en.757510"></span><div class="row-fluid general_content"> <div class="span12"> <h3 class="short_headline">Medical Leave of Absence</h3> <div class="one-column-content"> <p>The University of Maryland Baltimore (UMB) allows eligible students, who so elect, to continue enrollment under UMB’s Student Health Insurance Plan while on an approved medical leave of absence for up to a maximum of two consecutive semesters.</p> <p><strong>Eligibility requirements:</strong></p> <ul> <li>Students must be currently enrolled in the UMB Student Health Insurance Plan.</li> <li>Students must have been previously insured under the SHIP for at least one year prior to the request for a Medical Leave of Absence.</li> <li>Students must provide a copy of the leave of absence verification form signed by a dean or an advisor.</li> <li>Students intend to return to the University and remain a degree-seeking candidate.</li> </ul> <p><strong>Email Student Financial Services:<span> </span></strong><a href="mailto:studentaccounthelp@umaryland.edu"><strong>studentaccounthelp@umaryland.edu</strong></a><strong><span> </span>to request an enrollment application. </strong><a id="LossofCoverage"></a></p> </div></div> </div><span id="d.en.757511"></span><div class="row-fluid general_content"> <div class="span12"> <h3 class="short_headline">Loss of Coverage</h3> <div class="one-column-content"> <p><a id="LossofCoverage"></a><span data-contrast="auto">Students who involuntarily lose coverage from their previous carrier may petition to add the SHIP at any point during the policy year. </span><span data-ccp-props="{"201341983":0,"335559739":0,"335559740":240}"> </span></p> <p><strong>To complete the Petition to Add (PTA), please follow the steps below: </strong></p> <ol> <li data-leveltext="%1." data-font="" data-listid="3" data-list-defn-props="{"335552541":0,"335559685":720,"335559991":360,"469769242":[65533,0],"469777803":"left","469777804":"%1.","469777815":"hybridMultilevel"}" aria-setsize="-1" data-aria-posinset="1" data-aria-level="1"><span data-contrast="auto">Login to SURFS</span><span data-ccp-props="{"201341983":0,"335559739":0,"335559740":240}"> </span></li> <li data-leveltext="%1." data-font="" data-listid="3" data-list-defn-props="{"335552541":0,"335559685":720,"335559991":360,"469769242":[65533,0],"469777803":"left","469777804":"%1.","469777815":"hybridMultilevel"}" aria-setsize="-1" data-aria-posinset="1" data-aria-level="1">Select the Student tab<span data-ccp-props="{"201341983":0,"335559739":0,"335559740":240}" style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;"> </span></li> <li data-leveltext="%1." data-font="" data-listid="3" data-list-defn-props="{"335552541":0,"335559685":720,"335559991":360,"469769242":[65533,0],"469777803":"left","469777804":"%1.","469777815":"hybridMultilevel"}" aria-setsize="-1" data-aria-posinset="1" data-aria-level="1">Click on Gallagher Student Health<span data-ccp-props="{"201341983":0,"335559739":0,"335559740":240}" style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;"> </span></li> <li data-leveltext="%1." data-font="" data-listid="3" data-list-defn-props="{"335552541":0,"335559685":720,"335559991":360,"469769242":[65533,0],"469777803":"left","469777804":"%1.","469777815":"hybridMultilevel"}" aria-setsize="-1" data-aria-posinset="1" data-aria-level="1">Click on “Enroll – Qualifying Life Event”<span data-ccp-props="{"201341983":0,"335559739":0,"335559740":240}" style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;"> </span></li> <li data-leveltext="%1." data-font="" data-listid="3" data-list-defn-props="{"335552541":0,"335559685":720,"335559991":360,"469769242":[65533,0],"469777803":"left","469777804":"%1.","469777815":"hybridMultilevel"}" aria-setsize="-1" data-aria-posinset="1" data-aria-level="1">Complete all the required demographic information on the form.<span data-ccp-props="{"201341983":0,"335559739":0,"335559740":240}" style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;"> </span></li> <li data-leveltext="%1." data-font="" data-listid="3" data-list-defn-props="{"335552541":0,"335559685":720,"335559991":360,"469769242":[65533,0],"469777803":"left","469777804":"%1.","469777815":"hybridMultilevel"}" aria-setsize="-1" data-aria-posinset="1" data-aria-level="1">You <strong style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;"><em><span data-contrast="auto">must</span></em></strong><span data-contrast="auto" style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;"> attach a copy of your termination of coverage letter that includes confirmation of termination, and indicates the last date of coverage from the current carrier</span><span data-ccp-props="{"201341983":0,"335559739":0,"335559740":240}" style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;"> </span></li> <li data-leveltext="%1." data-font="" data-listid="3" data-list-defn-props="{"335552541":0,"335559685":720,"335559991":360,"469769242":[65533,0],"469777803":"left","469777804":"%1.","469777815":"hybridMultilevel"}" aria-setsize="-1" data-aria-posinset="1" data-aria-level="1">Gallagher will confirm eligibility with UMB, and the enrollment will be processed<span data-ccp-props="{"201341983":0,"335559739":0,"335559740":240}" style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;"> </span></li> <li data-leveltext="%1." data-font="" data-listid="3" data-list-defn-props="{"335552541":0,"335559685":720,"335559991":360,"469769242":[65533,0],"469777803":"left","469777804":"%1.","469777815":"hybridMultilevel"}" aria-setsize="-1" data-aria-posinset="1" data-aria-level="1">Upon completion, a UMB Student Financial Services team member will provide a current bill showing the addition of the health insurance charge for the respective semester <span data-ccp-props="{"201341983":0,"335559739":0,"335559740":240}" style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;"> </span></li> </ol> <p><span data-contrast="auto">**To ensure there is no lapse in coverage, the Qualifying Life Event request must be submitted within 60 days from the termination date of the current insurance carrier**</span><span data-ccp-props="{"201341983":0,"335559739":0,"335559740":240}"> </span></p> </div></div> </div><!--******************************************* End of main content area *******************************************--> <!--******************************************* BUILDING BLOCK: Close Main Column *******************************************--> <!-- navigation object: UMB Template: Close Main Column --> </div> </div><!--close row-fluid--> </div><!--close .container id="main-content" --> 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