University of Georgia

2024-2025 Student Health Insurance Plan (SHIP) – Benefits and Premiums

04.18.2024

TO:University of Georgia Students
FROM:Juanita Hicks, Senior Associate Vice President and Chief Human Resources Officer

 

The benefits and premiums for the University System of Georgia (USG) Student Health Insurance Program (SHIP) for the 2024-2025 academic year are now available and summarized below.

Every year, the USG works hard to obtain the most competitive rates and most valuable benefits for students enrolling in this plan. We work with the Student Health Insurance Advisory Committee, comprised of faculty, staff and student representatives from USG institutions, including UGA. The committee is instrumental in making recommendations regarding the best approach for plan benefits and premiums for the upcoming academic year and will continue to meet to make recommendations in future years as well.

Information on SHIP benefits and premiums for the 2024-2025 academic year are as follows:

  • There are no changes to plan benefits for the 2024-2025 academic year.
  • Premiums will increase by 2.8% across all categories of students and enrollees. This increase is down from last year, even with inflationary pressures impacting the plan.
    • Voluntary student-only coverage will increase by $9.33 per month.
    • Mandatory student-only coverage will increase by $6.67 per month.

The chart below shows the annual premium for each tier.

University System of Georgia SHIP
2024-2025 Plan Benefit Highlights & Plan Premiums

USG SHIP Benefits

Annual Individual Deductible:

$500

Coinsurance Percentage:

80%

Out-of-Pocket Maximum:

$6,350 in-network/$10,500 out-of-network

Non-SHC Office Visit Copays: (PCP/Specialist)

$20/$20

Prescription Drug Copays:

$25/$50/$75

Lifetime Benefit Limit:

Unlimited

Annual Premiums

Mandatory

Voluntary

Student-only

$2,936

$4,114

Spouse

$3,229

$4,525

Child

$3,229

$4,525

All Children

$6,457

$9,052

All Dependents

$9,687

$13,577

Voluntary Dental Coverage Annual Premiums *Not Included in SHIP medical rates above

Student Premium:

$251.76

Student + Spouse Premium:

$503.52

Student + Child(ren) Premium:

$617.27

Student + Family Premium

$921.77

Voluntary Vision Coverage Annual Premiums *Not Included in SHIP medical rates above

Student Premium:

$140.03

Student + Spouse Premium:

$266.06

Student + Child(ren) Premium:

$312.03

Student + Family Premium

$438.85

Semester rates and SHIP program information will be available on the UGA Student Health Insurance Website in the near future. More information about the USG SHIP is also available here.

For the 2024-2025 policy year, UGA will continue to pay 50% of the premium for student-only coverage for graduate students with a qualifying graduate assistantship, qualifying fellowship and/or qualifying training grant. Additional information on assistantships and fellowships is available here.

If you have questions, please contact University Human Resources at [email protected] or 706-542-2222.

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