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Health Options


To understand how the Student Health Insurance Plan (SHIP) works, it is important to understand that your health care while at UC Merced consists of two parts:



The Student Health Fee guarantees you access to the H. Rajender Reddy Health Center. The Health Center has primary care providers that serve as your family or primary provider while you are at UC Merced. All registered students may use the services at the Health Center, regardless of what type of major medical insurance you carry. There are fees for some services that are not covered by the Student Health Fee (e.g., immunizations, prescriptions and over-the-counter medications, and lab testing).



As voted in by the students of the University of California and passed by the Regents, the university requires all undergraduate students to have major medical insurance. The following link will take you to details explaining the Regents decision.


UC Merced requires both undergraduate and graduate students to have major medical insurance. The cost of this insurance is now included in your student campus fees and enrollment in the plan is automatic. UC Merced provides an undergraduate (USHIP) and graduate (GSHIP) Student Health Insurance Plan to meet this requirement. USHIP and GSHIP cover care outside of the Health Center, including hospitalization, specialty care and out-of-area care while you are traveling. You may waive out of the UC Merced Student Health Insurance Plan if you have comparable medical coverage.



All UC Merced graduate students are automatically enrolled in the Delta Dental Program. Graduate students may waive out of the dental program if they have other dental coverage.

Delta Dental of California is the dental insurance provider for graduate students. Students will receive benefits covering preventive and general restorative dental care. Note that dental care is not provided at the Student Health Center. Students can select from a wide choice of local dentists, listed on the Delta Dental Web site.


Graduate students are automatically enrolled in the VSP Vision Plan. Benefits include an annual vision exam and medically necessary frames and lenses. Graduate students may waive out of the vision program if they have another vision plan. Students can select from a local provider listed on the VSP Web site.



For more detailed benefit information about the medical, dental and vision plans students can access the Wells Fargo Insurance Services Web site.