Mandatory Insurance and Waiver

Understanding the Student Health Insurance Requirement


The process for submitting your waiver/enrolling in SHIP for 2023-2024 Academic Year will start June 15!


Each academic year, the University requires that the following students either waive or enroll SHIP. 

Undergraduate Students

  • Enrolled in 6 or more credits in the Fall.

  • J-1 visa students have a different process and should work with their program office for information about their requirement.

Graduate Students

  • Enrolled in 48 or more units in a semester or 36 units in a 12-week term.

  • This includes F-1 visa students.

  • Graduate assistants appointed by 7/31, non-degree-seeking students, students enrolled in certificate programs, exclusively online programs, and/or programs at the Shady Grove campus will not be automatically enrolled in SHIP and are eligible to purchase SHIP using the voluntary enrollment process.

  • Visit gradschool.umd.edu/health-insurance for more details.

The annual SHIP premium of $2,334 will be assessed to your student account after you register, if you registered credits/units meet the criteria above.

You must waive if you wish to have the charge removed from your student account. If you wish to keep the SHIP, no further action is required.

I Have Existing Insurance

Students who have existing insurance and want to be credited for the school health insurance must submit a waiver. Once approved, the insurance charge will be removed from the student account.

I Want to Enroll in SHIP

Students who do not have existing insurance need to enroll in the school health plan. Charges will be assessed on the student account for this insurance. 

To Waive SHIP


An approved waiver must be completed by September 30th, 2023. Students that have not completed the waiver by the aforementioned date will be enrolled in SHIP and the premium fee will remain on their student bill. 

Please Note: newly admitted students will be able to complete the waiver 2 business days after they have registered for classes.

  1. Go to website link: https://umd.myahpcare.com/waiver 

  2. Or Go to https://umd.myahpcare.com/ and Click waive/ opt out from the card menu at the bottom of the screen

  3. Routed to the University of Maryland MFA (DUO) site for log-in

  4. Log in to UMD and you will be routed to the waiver system dashboard

  5. Follow Steps in the waiver system to provide proof of insurance and complete the waiver

 

How do I know if my Waiver was Submitted and Verified:

When your waiver is approved, you will receive an email confirmation from AHP (please check spam and junk folders) to your University email account. If you cannot find your confirmation email, please call AHP at 1-855-850-4303 

Instructions to Purchase/Enroll


The University of Maryland SHIP insurance plan is a platinum level insurance plan. Beginning August 1st 2023, SHIP coverage will be provided by United Healthcare. 

SHIP covers most services at the Health Center. When utilizing the Health Center, SHIP patients do not have deductibles and no fee is required for covered services. 

For information about the SHIP plan (United Healthcare), please call 1-855-850-4303 or visit https://umd.myahpcare.com/
 

  1. Go to website link: https://umd.myahpcare.com/enrollment 

  2. Or go to https://umd.myahpcare.com/ and click Begin Enrollment of Enroll/Cost from the card menu at the bottom of the screen

  3. Follow steps on website to complete enrollment 

Waiving Ship Information

Accepted Insurance for Waiver

Accepted to waive SHIP with:

  • Employer-sponsored group plans
  • Marketplace plans (Bronze, Silver, Gold, and Platinum plans)
  • Medicaid
  • U.S. based, and meet the Affordable Care Act requirements
  • VA Health Plans

Not accepted to waive SHIP with:

  • Ministry cost sharing plans are Not Acceptable
  • Liberty HealthShare 
  • Samaritan Ministries
  • Medi-Share
  • Aliera Healthshare
  • Christian Healthcare Ministries
  • Trinity HealthShare
  • Solidarity Healthshare
  • International Plans (including, but not limited to, ISO, Student Medicover, Student Cover)
  • Travel Plans

If you are seeking to waive SHIP by enrolling in a different plan, please ask the company offering the plan if a) the plan is filed and approved in the United States and b) if it is compliant with the Affordable Care Act. If the answer is no to either question, the plan will not qualify for a waiver.

Fall Waiver Dates

May/June

Waiver site opens, initial communication goes to students.

Summer

Health insurance premium is applied to student bills.

Summer

UMD Division of Student Affairs sends an email communication to incoming first year undergraduate students to their University email address.

A mailing is sent to the Parent/Family of incoming undergraduate students directing them to the University Health Center Parent and Family page which includes information about the waiver process.

The Graduate School sends an email communication to graduate students about the insurance requirement.

Summer and Fall

UMD sends email reminders to students who do not complete the waiver. Once the waiver is completed, the premium is removed from the student bill.

September 30

Waiver site closes.

October 2/3

Final auto-enrollment in the plan is completed with retroactive coverage to August 1 and a waiver is no longer permitted.

After auto-enrollment late insurance waiver requests will be referred to our administrators, Academic Health Plans (AHP) for consideration, you can email them at waivers@ahpcare.com

Spring Waiver Dates

Spring

  1. Newly admitted Undergraduate Students enrolled in 6 or more credits in the spring. 

  2. Returning undergraduates that were not enrolled in the previous fall semester. 

  3. Newly admitted Graduate students (Masters or Doctoral) who are enrolled for at least 48 units for the semester or 36 units for a 12-week term.

  4. Returning Graduate students (Masters or Doctoral) were not enrolled in the previous fall semester and are enrolled for at least 48 units for the semester or 36 units for a 12-week term.

After the initial Spring semester, the Fall waiver must be completed every academic year. 

Please Note: Newly admitted students will be able to complete the waiver after they have registered for classes. The annual SHIP premium of $2,334 will be posted to your student account. If you wish to retain SHIP, no further action is required. You may begin using your insurance as early as August 1, 2023.
For new transfer students or returning students that didn’t attend the previous fall semester

December

Waiver site opens, initial communication goes to students.

February 15

Waiver site closes.

Early March

Final auto-enrollment in the plan is completed with retroactive coverage to January 1 and a waiver is no longer permitted.

After auto-enrollment late insurance waiver requests will be referred to our administrators, Academic Health Plans (AHP) for consideration, you can email them at waivers@ahpcare.com

SHIP Purchase/Enroll Information

When will I receive my Member ID?

It can take up to 10 days for your enrollment to be processed and your Member ID to become available in the system. You will receive an email from info4students@ahpcare.com with your Member ID once it has been processed. 

For additional information or assistance, please contact Academic Health Plans Customer Service at 1-855-850-4303.

How to Get SHIP 2023-2024 Health Insurance Card

To get an electronic copy of your insurance card:

Please obtain a copy of your insurance card before your first appointment, Click here. For assistance via the phone, please call 1-855-850-4303.

SHIP 2023-2024 Rates

Annual

Fall Only

Spring/Summer

Summer

Coverage Periods

8/1/23-7/31/24

8/1/23-12/31/23
Grad Students Only

1/1/24-7/31/24

6/1/24-7/31/24

Open Enrollment for
Undergraduate Students

7/15/23-9/30/24

Not Available to Undergraduate Students

12/1/23-2/15/24

05/15/24-6/30/24

Student

$2,334

$976

$1,358

$390

Spouse

$2,334

$976

$1,358

$390

All Children

$2,334

$976

$1,358

$390

For plan benefits and details visit https://umd.myahpcare.com/

For Additional Information or Assistance

Please call Academic Health Plans (AHP) at 1-855-850-4303 or visit umd.myahpcare.com/contact for:

  1. Confirming enrollment
  2. Obtaining or accessing your Member ID or digital ID Card
  3. Update your mailing address or phone number
  4. Learn more about your health plan