All full-time students (Graduate Level – 9 credit hours or more, Undergraduate Level – 12 credit hours or more) are automatically billed the student health insurance fee and will be automatically enrolled in the Student Health Insurance Plan (SHIP) after the waiver period with retroactive coverage to August 1st. This coverage can be waived if a student provides proof of adequate health insurance. Learn more about how to waive the student health insurance plan. 

Any students taking fewer than 9 credit hours for Graduate Programs and 12 credit hours for Undergraduate Programs will not be automatically billed for SHIP, but are eligible to enroll on a voluntary basis, excluding students enrolled in a designated Online Only Program. Learn how to enroll in SHIP coverage.

If full-time students are enrolled in online classes that are not part of a designated Online Only Program, they are subject to the health insurance requirement as noted above. Students enrolled in designated Online Only Programs are not eligible for SHIP, unless they are part of the online MSW Program.

UMB Health Insurance Requirement

UMB professional and graduate students engage in different types of educational work on campus and participate in experiential education in the workplace — pharmacies, schools, hospitals, rehabilitation units, field sites, community service centers, etc. As such, students face workplace risks but do not qualify for workers compensation insurance to cover workplace injuries or accidents on a no-fault basis. To ensure that UMB students have access to medical care and do not present an undue legal or financial risk to the University or its affiliates, students are required to have ACA-compliant health insurance. The UMB Student Health Insurance Plan provides the appropriate coverage under ACA and consumer protections through regulation by the State of Maryland Insurance Administration.

ID Cards

United HealthCare ID cards are typically available 5-7 days after your enrollment is processed.  To obtain your ID card and create an online account with United Healthcare, please follow these instructions:

1. Go to www.uhcsr.com/MyAccount/
2. Click “Create Account”
3. Complete the registration form using your name, date of birth, and student ID number.
4. Once logged in, you will have access to ID cards, claim information, EOB’s and other plan-related information.

Students subject to the SHIP enrollment/waiver requirement who missed the published UMB waiver deadline for Fall or Spring can appeal for a late waiver by providing justification for why they could not apply for a waiver prior to the deadline. 

Please contact studentaccounthelp@umaryland.edu for assistance with the Student Health Insurance Plan Process. 

All full-time registered students, Nursing students (excluding certificate programs), and MSHS-Physician Assistant Concentration students will be enrolled in and billed for the UMB Accident Only Insurance Plan. 

The rate for the 2023-2024 student accident insurance plan is $30.00 per student per year and is billed $15 per student per semester. The fees are refunded only if the student withdraws prior to the start of class for each semester. Otherwise, the fees are non-refundable.

Coverage

• When an Accident occurs while on campus, attending a practicum program or other recognized student group approved by the College or during travel to and from a program, the plan offers comprehensive benefits that include hospital room and board, inpatient and outpatient surgical procedures, labs and x-rays, physician office visits, ambulance, durable medical equipment, emergency care and prescription drugs.
• The maximum benefit allowed for each accident is $50,000.
• Services are covered at 100% of Reasonable and Customary Charges.
• Please refer to www.gallagherstudent.com/umb for complete details regarding coverage, limitations, and exclusions.

Questions

Coverage:
Gallagher Student Health & Special Risk 500 Victory Road Quincy, MA 02171 1-844-288-4916 
www.gallagherstudent.com/umb

Claims:
Bollinger Specialty Group PO Box 1329 Morristown, NJ 07962
Email: BollingerCollegeClaims.GBS@AJG.com
Phone: 1-866-267-0092