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Does your health insurance plan meet Penn State's recommendations?

If you currently have health insurance coverage offered through a U.S. employer-sponsored program, or coverage that was purchased through the Health Insurance Marketplace ( there is a good chance that it will meet Penn State's recommended coverage. 

We recommend asking your health insurance company the following five questions to help determine if your plan meets University recommendations. 

Is my policy effective throughout the academic school year?

The SHIP for Penn State Answer:

Yes, the SHIP for Penn State is effective August 13, 2023 - August 12, 2024.

Does my policy offer in-network providers on or near the campus I attend?

The SHIP for Penn State Answer:

The SHIP for Penn State, underwritten by UnitedHealthcare StudentResources, offers a national network of health care providers including clinicians at University Health Services-University Park, and other campus locations. 

What is my deductible and out-of-pocket costs?

The SHIP for Penn State Answer:

$250 deductible
$10 office visit copay
10% coinsurance
$1,300 out-of-pocket maximum (in network)

Does my policy offer prescription drug coverage?

The SHIP for Penn State Answer:

The SHIP for Penn State offers $0 copay at University Health Services Pharmacy and $10/$30/$60 copay at other in-network pharmacies.

Does my policy have coverage for emergencies and non-emergency services such as diagnostic x-ray and lab, physical therapy, urgent care visits, ambulance services, and preventative vaccines?

The SHIP for Penn State Answer:

The SHIP for Penn State provides protection for both emergency and non-emergency medical services (see deductible and out-of-pocket fees). In addition,  preventative vaccines are covered per federal health care guidelines.

Interested in learning more about insurance planning? Check out MoneyCounts: A Financial Literacy Series Self-Study Module.

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5 Questions to Ask Your Health Insurance Provider


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