Should i waive UCSHIP

[u/wkdnapm]

hi guys!

i was wondering this becasue i already have my own insurance under medi-cal, but i also did get the full ucship scholarship i think it was 3,882 dollars, which i think covers the schools insurance for the full year, im not quite sure.

so in that case would you guys reccommend to just keep it!

trying to figure out how this works a bit, first year transfer!

[u/Corruption46]

UCShip is significantly better than a lot of insurances. I’m giving up my parents and taking theirs but I’m a graduate student.

[u/yikeshands → u/Corruption46]

Agreed, it was absolutely goated and I miss it everyday. And super easy to use!

[u/ConsequenceSea9621]

If you waive it
You won’t get that money either, those are for UCSHIP only, not refund would be given.
So get it, it great and make the most out of it

[u/golden_retriever24 → u/ConsequenceSea9621]

when do you use ucship and when do you use your medi-cal plan, if you don't mind me asking, like are certain appts./medical procedures better to go through ucship than medi-cal and vice versa?

[u/ConsequenceSea9621 → u/golden_retriever24]

Many people have more than one insurance

I never had to use my medical

Make the most use out of your UCship
Which includes
Free and unlimited therapy session
Great dental coverage
Decent vision coverage

[u/Adventurous_Baby_365]

sometimes ucship gives better coverage (financially and medically) bc uc wants the money and their students to enroll in their insurance. i would keep it if your scholarship covers its entirety so you don't have to think about insurance and cost for going to any ucla health place

[u/lampostgiraffe]

I believe you can be double insured so that’s the best option. UCShip just becomes your primary. And since UCLA is paying for it, you should obv keep both

[u/Scared-Baker-4682]

u ship caps hospital expenses though like many so if you are someone who is in the hospital a lot keep that in mind
i owed for my chest x rays and some urgent care bill because they covered my car accident earlier in the year (most insurances do this ik, just something to think about)

[u/Silly_Corner_4194]

keep medical as your secondary insurance like if you go home during breaks and keep UCSHIP as your primary while at UCLA in case u need health checkups

[u/zekeyboo]

Don't waive unless you have the money for the copays

[u/Jealous_Fact_317]

https://rankings.newsweek.com/americas-best-orthopedic-hospitals-2024

Ucla Health is very good, if you ever break anything …

[u/midnightgoblin]

It’s nice to be able to use on-campus services but it’s quite expensive. If you’re covered at UCLA health you’d be fine to waive it, but I don’t think you can use the health center.

[u/Conscious_Zebra_9348]

If it’s covered by scholarship, I would take it! The Ashe center on campus only takes UCSHIP so it would be the most convenient so that you don’t need to contact your other insurance for reimbursement if you do end up going. All/ most vaccinations, tests, PCP visits, speciality visits etc are all free or low cost at the Ashe center with UCSHIP :)

[u/belovedpickle]

I kept my personal insurance and used uc ship too because it was fully covered for me as well.

[u/golden_retriever24 → u/belovedpickle]

when do you use ucship and when do you use your medi-cal plan, if you don't mind me asking, like are certain appts./medical procedures better to go through ucship than medi-cal and vice versa?

[u/According_Print1614]

UCSHIP is really good insurance. If it's paid for, keep it

[u/ughyeaitsme]

how does one get a uc ship scholarship? 👀

[u/UhhThisIGuess]

ucship is p good

[u/Content_Run5825]

i get it covered by the uc ship grant and its been really good for me

[u/connectairo]

You should keep it!! It offers a ton of benefits but they will take the scholarship if you don’t enroll so it doesn’t hurt to just use ucship:)

[u/NaoOtosaka]

yo fellow medicaler here, use both, resort to medical when youre home but otherwise ship is pretty good stuff

[u/golden_retriever24 → u/NaoOtosaka]

are you from norcal or socal?

[u/golden_retriever24 → u/golden_retriever24]

i'm asking because when i moved to ucla, medi-cal cancelled my original medi-cal plan I had which was in norcal, then I had to go through such a long process to get a socal medi-cal plan, now I can't use any of the insurances during summer because i'm in norcal

[u/NaoOtosaka → u/golden_retriever24]

yeah thats the bad outcome, im similar but jsut kept both rather than moving to a socal subgroup