Domestic Plan

The current SHIP details, which include coverage and exclusion information, are available in the documents below:

• Certificate of Coverage
• Plan Brochure (click here to view cost & coverage on the 2025-2026 Summary Brochure)

 

Semester	Enrollment & Waiver Deadline	Coverage Period	Cost
Annual	9/12/2025	8/29/2025 –8/28/2026	$*6,788
Fall Term Only	9/12/2025	8/29/2025 — 1/1/2026	$*2,346
Spring/ Summer Term	2/20/2026	1/2/2026 — 8/28/2026	$*4,442
Summer Term Only	Opt-In Only	5/18/2026 — 8/28/2026	$*1,920

* All students are charged a total Administrative Health Insurance fee of $20 per year, divided into two $10 charges each fall and spring term. Students enrolled in the annual insurance plan will see the premium split as $2,346 in the fall and $4,442 in the spring, in addition to the $10 administrative fee each term. Students enrolled in a semester-only plan are charged a single $10 administrative fee for that term.

NOTE: UnitedHealthcare reserves the right to adjust the terms of the policy (i) in the event of any changes in federal, state or other applicable legislation or regulation; (ii) in the event of any changes in Plan design required by the applicable state regulatory authority; and (iii) as otherwise permitted in the policy.

Who is Exempt from the Policy?

Students who are enrolled in less than six units; doctoral study (course 499: Doctoral Study); or continuous registration (course 400M: Continuous Registration) are exempt AND not required to enroll or submit a waiver form.

Who is Eligible for a Waiver?

Students who are enrolled in six or more units of coursework, and have comparable coverage can apply to waive out of the domestic insurance plan. If the student’s existing coverage meets the minimum requirements, the waiver management system will remove them from being enrolled.  Examples of coverage that will meet the minimum requirements:

1. Any Affordable Care Act (ACA) compliant coverage
2. Medical insurance purchased through the California health insurance exchange – Covered California.
3. Medical insurance through an employer, spouse or parents.
4. Medi-Cal
5. Student veterans enrolled in the VA Health Care program. Confirmation from the VA Office should be provided as proof of coverage.
6. American Indian students receiving coverage from Indian Health Services. Tribal card can be provided as proof of coverage.

The health insurance portal is NOW OPEN for students to waive out or enroll in the domestic health insurance. The deadline to waive out is February 20, 2026. 

The waiver period is open once per academic year, and is required each year of enrollment at CGU.

Students who are exempt, or who lose their private insurance and want to enroll in the university plan should contact healthins@cgu.edu.

UnitedHealthcare offers enrolled students access to a student-only site to help manage their plan. Features include the ability to download their insurance ID card, find a doctor or hospital nearby, view claims information, and more. View the UnitedHealthCare website.

Students can also contact UnitedHealthCare’s customer service at 1-800-767-0700 or customerservice@uhcsr.com.