The University Health Center provides healthcare and resources to all students, faculty, and staff with and without health insurance plans. There are costs associated with many of the services provided.

This section of the website is intended to help explain insurance requirements for undergraduate students, information on the Student Health Insurance Plan, explanation of insurance-related terminology, frequently asked questions, and information regarding fees and billing.

The University Health Center recognizes that a patient's access to health insurance and costs of services may impact a person’s well-being and health care decision process.

We aim to provide transparency regarding costs for visitors who elect to “self-pay” (or choose not to bill the visit to their health insurance plan or do not have health insurance).



Billing & Costs

Accepted Insurance Plans

The UHC providers are contracted with the PPO and EPO insurance products of Aetna, United Healthcare, CareFirst/Blue Cross-Blue Shield, and Cigna. We can also file State of Maryland Medicaid plans for our registered students only.

The UHC is a participating HMO for United Healthcare MDIPA and OPTIMUM CHOICE, or Blue Cross Blue Shield BLUE CHOICE.

For United Healthcare MDIPA or OPTIMUM CHOICE, call member services on your insurance card and make University Health Center as the PCP (Primary Care Provider) for your student for the visit at the University Health Center to be considered.

HMO office visits can be filed for BCBS BLUE CHOICE.

Note, Lab and X-ray restrictions apply. The Registration office will offer more details.

We cannot bill Medicare, Kaiser Permanente, TRICARE Prime, out of state Medicaid and some HMO’s. The UHC is considered out-of-network. Call Customer Service phone number listed on your insurance card in advance and ask if they will cover as out of network benefits or not your care at the UHC. Many plans do NOT cover services outside of their geographical areas. If your insurance does not cover costs, you may still be seen and charges as Self-Pay with student discount rate.  Office visit discount rate applies to registered students only.

Visit Costs

Enrolled in SHIP:

No co-pays, co-insurance or deductible when seen at the University Health Center. Most services at the UHC are covered including x-rays and lab tests. There is a co-pay for medication. See Summary of Benefits and Coverage for additional information.


Have participating “In-Network” Insurance:

Patient is responsible for applicable copay, co-insurance and/or deductible.


Have non-participating “Out-of-Network” Insurance:

Patient responsibility for visits filed to insurance with out of network benefits is determined by their policy and may include a copay, coinsurance and/or deductible. Charges not covered by insurance are the patient’s responsibility as Self-Pay. Office visit discount rate applies to registered students only.  


No insurance and as Self-Pay:

A typical self-pay visit without any procedures, lab, or x-ray services will range from $50 -$125. Office visit discount rate applies to registered students only.


Charges are subject to change without notice for the following services

Mandatory Health Insurance

Why should students have health insurance?

Health care expenses such as those associated with unexpected illness, accidents, or mental health care can destabilize a student’s financial situation and derail his/her progress toward a degree. These potential barriers to attendance and degree completion are reduced when students have health insurance. Conversely, students without health insurance who do not have access to needed specialty care or hospitalization may attempt to continue their academic pursuits but fail to reach their full potential due to their untreated illness. The Affordable Care Act requires most people to have health insurance.

Important Health Insurance Requirement Dates

May 15th Waiver site opens, initial communication via email goes to students.
Summer Health Insurance Premium is applied to student bills. A letter is sent to incoming first year students and parents which include information about the waiver process.
Summer/Fall Email reminders are sent to students who do not complete the waiver. Once the waiver is completed, the Premium is removed from the student bill.
September 15th Waiver site closes. Late waivers may be accepted in some extenuating circumstances. Submit a request in writing along with a copy of your insurance card to Final decisions regarding late waivers are at the discretion of the University Health Center.
October Final enrollment in the plan is completed with retroactive coverage to August 1 and a waiver is no longer permitted.

Student Health Insurance Plan (SHIP)

The Student Health Insurance Plan (SHIP) is an insurance policy specially designed to cover University of Maryland, College Park students at a reasonable cost. Students can also enroll their spouse and/or dependents (under age 26) for an additional charge. Visit for cost and coverage details. All clinical services at the UHC are covered by SHIP at no additional charge. 

More Information about SHIP

How To Enroll in SHIP

To Enroll in SHIP 2019-2020

International Undergraduate Students entering UMD beginning Fall 2017 with an F or J Visa are automatically enrolled in the Student Health Insurance Plan (SHIP).

  1. Go to
  2. Log in to the system by using the following:
    • Login - UMD ID (ex: 111234567)
    • Password - Date of Birth in MMDDYYYY format, unless previously changed (ex: 01011990).
  3. Select the "SIGN IN" button.
  4. On the home page, select the "ENROLL" button from the "I Need Health Insurance" section.
  5. Read the Terms and Conditions
  6. If you accept the Terms and Conditions, enter your initials in the box and select the "OK" button.

NOTE: For additional information or assistance, please contact Academic HealthPlans Customer Service at 800-850-4303.

Contact Information

Insurance and Billing Contacts

Phone Email Hours Notes
Commercial Insurance and Billing 301-314-8147 Mon-Fri 8am -4:30pm
Student Health Insurance Plan and Waiver 301-314-8165 Mon-Fri 8:15am-4:15pm
General Insurance 301-405-7440 Mon-Fri 8am-5pm
Pharmacy Billing 301-314-8167 Mon, Tues, Thurs, Fri 9:30am-5pm Wed 11am-5pm