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2022-2023 Student Health Insurance Plan - Benefits and Premiums

Thursday, May 12, 2022

As noted in the May 6, 2022 Archnews, information on the 2022-2023 University System of Georgia (USG) student health insurance plan (SHIP) with UnitedHealthcare benefits and premiums are below. 


Every year, the USG works to obtain the most competitive rates with the most valuable benefits for this plan. The COVID-19 pandemic highlighted the importance of the SHIP plan as a valuable healthcare benefit. This also contributed to a high level of claims activity, which necessitated the adjustments outlined below. The Student Health Insurance Advisory Committee, comprised of faculty, staff and student representatives from USG institutions including UGA, was instrumental in making recommendations regarding the plan premiums and benefits the upcoming academic year. This committee will continue to meet to make recommendations in future years as well.

Information on SHIP benefits and premiums for the 2022-2023 academic year are as follows:

  • There are no changes to plan benefits for the 2022-2023 academic year.
  • Premiums will increase by 10.5% across all categories for students and enrollees.
    • Voluntary student-only coverage will increase by $29.66 per month.
    • Mandatory student-only coverage will increase by $21.16 per month.
  • Please note that while rates for mandatory enrollment are increasing, the new rates are actually lower than the rates for this plan from the 2019-2020 academic year.


USG Student Health Insurance Program (SHIP) Plan Benefits Highlights and Plan Premiums:


USG Student Health Insurance Program (SHIP) Benefits

Annual Individual Deductible:

$500 (deductible is waived at the UGA Health Center)

Coinsurance Percentage:


Out-of-Pocket Maximum:


Non-SHC Office Visit Copays: (PCP/Specialist)2


Prescription Drug Copays:

$25/$50/$75 at UHCSR1 Participating Pharmacy

$0/$10/$20 at UGA Health Center Pharmacy

Lifetime Benefit Limit:





Annual Premiums

Mandatory Enrollment

Voluntary Enrollment

Student Only









All Children



All Dependents




Premiums are charged on a per-semester basis. Semester rates and SHIP program information will be available on the UGA Student Health Insurance Website.

For the 2022-2023 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.


If you have questions, please contact university Human Resources at or 706-542-2222.



1 UnitedHealthcare Student Resources

2 Non-SHC (Non-Student Health Center) Office Visit Copays: PCP (Primary Care Provider)/Specialist