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Student Health Insurance Frequently Asked Questions


Q: How is the UT System sponsored Student Health Insurance Program (SHIP) vendor chosen?
A: The UT System drafts a request for proposal (RFP) to invite insurance companies to submit competitive bids to provide SHI to students and eligible dependents attending System institutions. System staff meets with the Student Advisory Council to discuss coverage and benefits to be offered under the plan. The various RFPs are systematically reviewed and a vendor is selected based upon specific criteria and the vendor's ability to provide comprehensive care at an affordable cost.

Q: What company provides SHIP for the system's students and eligible dependents?
A: Blue Cross Blue Shield of Texas administered by Academic HealthPlans—UTSA's Health Plan.

Q: As a student, am I required to have SHIP?
A: The Board of Regents of the University of Texas System requires all international students holding non-immigrant visas and living in the United States to maintain approved health insurance while enrolled at component institutions of The University of Texas.

Q: Do I have to enroll in the UT System sponsored SHIP plan?
A: No, students who are required to be enrolled in an insurance plan (see above) do not have to enroll in the health plan as long as proof of comparable coverage can be provided.

Q: As a qualified student enrolled at a System institution, am I guaranteed coverage under the UT SHIP plan?
A: Yes, students meeting the eligibility requirements are guaranteed to be accepted for coverage into the UT System SHIP plan.


Q: Who can I contact to request additional information regarding the Academic Health Plan?
A: Information is available through Academic HealthPlan's website at They can be reached by calling 1-855-247-7587.

Q: How do I enroll in the AcademicHealth Plan?
A: Enrollment is processed online though the website at


Q: Where is Student Health Services on my campus?
A: The Main clinic location is RWC 1.500 across from Campus Recreation.

Q: If I do not seek care from the Student Health Services at UTSA, how do I find a provider (doctor, hospitals, etc.) in my area who accepts the SHIP plan?
A: After creating an online account on you will have access to the Blue Cross Blue Shield network provider locator.


Q: How do I obtain my insurance ID card?
A: After creating an online account, ID cards can be printed from Academic HealthPlans website

Q: If my ID card is lost, how do I get a replacement ID card?
A: Replacement ID cards can be printed from Academic HealthPlans website


Q: What is a deductible?
A: The portion of your health care that you pay before insurance starts covering the cost of care.

Q: What is copayment?
A: A fixed dollar amount you pay at the time services are rendered. Typical copays are for office visits, prescriptions, or hospitalizations.

Q: What is co-insurance?
A: A specified percentage of the cost of treatment the insured is required to pay for all covered medical expenses remaining after the deductible has been met.