Historical overview of the UNC system wide Student Health Insurance Plan
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Deadline to take action (either enroll in, or waive out of, SHIP):
Fall semester September 10Spring semester January 31
When students who are uninsured become seriously ill or injured, their academic careers are seriously threatened by substantial health care debt, disability, or both. As a result, all state institutions in North Carolina, including East Carolina University, require students meeting specific eligibility criteria to have health insurance. Students who do not have insurance, or who have inadequate coverage, can enroll in the university sponsored Student Health Insurance Plan (SHIP). Those students who already have their own coverage, or who are still covered under a parent or guardian plan, can "waive out" of the requirement by providing documentation of their coverage.
SHIP is offered to students at a reasonable base rate with benefits including wellness incentives, prescription benefits and basic vision coverage. This plan provides coverage that is billed per semester via the student's tuition bill. Coverage periods are from August 1 to December 31 for fall semester and January 1 to July 31 for spring semester. ECU SHS will file claims to SHIP for services rendered at SHS. It is the policy holder's responsibility to file claims or follow up for claims and/or correspondence from outside providers.
Undergraduate students must be:
Graduate students must be:
All students meeting the eligibility/requirement criteria will be automatically billed for SHIP. It is the student's responsibility to complete an online waiver to opt out of the SHIP and have the charge waived. DISTANCE EDUCATION STUDENTS ARE NOT ELIGIBLE TO PURCHASE SHIP. Distance Education Students are not required to submit proof of insurance. If at any time your status changes and you meet the criteria listed above, you will then have to supply the required health insurance information or the charge for SHIP will be applied to your tuition. To be eligible for SHIP, students must be taking on-campus courses.
SHIP works in partnership with the "Health Service Fee" that students pay with tuition to provide seamless health care at a reasonable cost to students. The "Health Service Fee" covers office visit/provider charges at SHS, while SHIP helps cover ancillary charges such as lab, x-ray, supplies,medications, etc. SHIP is utilized just as any other health insurance plan. This policy can be used for outside provider appointments as well as services rendered at SHS.ECU Student Health files claims for SHIP and most Aetna, Blue Cross Blue Shield, Coventry, First Health Network and MedCost policy holders. Students who have policies through other insurance carriers may request a walk out statement that can be used to self file claims. Please be advised that we may not be in network for other insurance carriers. It is strongly advisable that a student consults their individual policy regarding benefits and coverage before seeking care.
Student Blue has a website just for ECU parents and students. To view plan benefits, including a general summary, medical benefits, and health/wellness benefits, visit the Student Blue for ECU benefits page.For a quick reference, check the table below for at-a-glance benefit information.
Students that meet the eligibility requirements will be billed automatically with tuition for SHIP. If a student intends to keep SHIP, the student should enroll prior to the effective date. This would allow utilization of the policy once coverage begins, instead of waiting to receive an insurance card in the mail after the University completes the automatic import which occurs after the deadline.
Once registered for classes, students can enroll in SHIP.
How to enroll:
*We have been notified that certain browsers (particularly Internet Explorer) may cause users to experience error messages--SHS recommends users access the Student Blue site via Google Chrome if possible.
Students who are already covered by existing health plans can easily waive out of SHIP. To waive out, students must provide current policy information through a secure online system. Once insurance has been verified, the SHIP charge will be waived on the student's tuition account. Waivers must be completed by the deadline for each respective semester: Fall deadline is September 10 and the Spring deadline is January 31. The verification process can take up to 2 weeks.
Once registered for classes, students can submit a waiver.
How to waive out:
Once an online waiver has been successfully submitted, the student will instantly receive a confirmation number followed by a confirmation email. Once the provided insurance information has been verified, the student will receive an email stating the outcome of the verification (Approved/Denied) including instructions if more information is needed.
The health plan for ECU Post Doctoral Students is also provided through Student Blue from Blue Cross Blue Shield but has a separate page specifically for Post Doc students. Visit the Student Blue for ECU Post Docs welcome page to find plan information, a benefit summary, and other resources.