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

In Network Insurance Plans

The University Health Center is currently in network with the PPO and EPO plans of the following insurance companies:

  1. Aetna
  2. Blue Cross Blue Shield, except Omnia Silver  
  3. Carefirst
  4. United Health Care (see below for information on MDIPA and Optimum Choice)
  5. Tricare Prime

Th University Health Center is currently in network with ONLY the PPO and Open Access Plus products of:

  1. Cigna

Insurance Plans with Restrictions

The University Health Center can file to Maryland Medicaid plans for our registered students only. Unfortunately, out of state Medicaid plans have no benefits at the University Health Center. 

For United Healthcare MDIPA or OPTIMUM CHOICE, patients will need to call the member services number on their insurance card and designate the University Health Center as their PCP (Primary Care Provider) for visits at the University Health Center to be considered for coverage.

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

The University Health Center is able to file office visits for the Blue Choice HMO product of CareFirst Blue Cross Blue Shield. It is recommended but not required that patients with this insurance plan name the University Health Center as their PCP. 

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

Unfortunately, the UHC cannot file to the following insurance plans: 

  1. Medicare (if Medicare is the primary insurance, the UHC is also unable to file to the patient's secondary plan) 
  2. Kaiser Permanente
  3. Out of state Medicaid
  4. Some HMO plans (if you have an HMO plan, please call your insurance's customer service number to verify that you have benefits at the UHC)

Patients with an insurance plan that is out of network are advised to call their insurance company's customer service number to verify that they will have out of network benefits at the UHC.

Many plans do NOT cover services outside of their geographical areas.

If a patient's insurance does not cover costs, they may still be seen and charged as Self-Pay. Registered students may receive a discount on the final office visit fee. There is no discount for lab, x-ray, procedures, medical devices, and medications.

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 insurance company. The patient responsibility may include a co-pay, coinsurance, and/or deductibles. Charges not covered by insurance are the patient’s responsibility. The office visit discount rate is offered to registered students only and does not discount any lab work, x-ray services, medications, procedures, or medical devices.  

It is very important that patients call their insurance company to verify coverage before visiting the UHC.

No insurance and as Self-Pay:

A typical self-pay office visit fee (which does not include any procedures, lab work, medications, medical devices, or x-ray services) will range from $50 -$175. The office visit discount rate is offered to registered students only and does not discount any lab work, x-ray services, medications, procedures, or medical devices.


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 their 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 and approved, 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 2022-2023

Undergraduates Students:

  1. Go to
  2. Log in to the system by using the following:
    • Login - UMD ID (ex: 111234567) not your UMD directory ID
    • 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.

Graduate Students


More Information About SHIP