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Student Health Insurance Plan (SHIP) & Frequent FAQ’s

Many students are enrolled in a private plan through their employer, a parent, spouse, or another family member, or a public health insurance plan such as TennCare, Medicaid, or Medicare. Although most students are covered under one of these plans, the Student Health Center cannot bill these plans for charges associated with office visits.

Because students can be charged for some services at the SHC, after paying for their services, they may request an itemized statement of services to file with their own private health insurance company for reimbursement purposes; however, reimbursement is not guaranteed.

Additionally, students with public health insurance such as Tenncare, Medicaid, and Medicare, are not eligible for reimbursement for their charges.

Read more about Student Health Center eligibility and associated costs here.

Student Health Insurance Plan (SHIP)

Health insurance is also available through the university for students who meet eligibility requirements.

This insurance is referred to as the Student Health Insurance Plan (SHIP). This is optional major medical health insurance for domestic students and required major medical insurance for international students. If you are not currently covered by a health insurance plan or may otherwise be interested in purchasing a new plan, read more about how the university-sponsored Student Health Insurance Plan (SHIP) works.

Additional resources:

International Students

The Student Health Center automatically enrolls all international students in the UT Student Health Insurance Plan (SHIP). Waivers are available for international students with their own health insurance. Please contact the Student Health Center for details.

Read more about health insurance for international students.

Domestic Students

Eligible domestic students may opt to purchase the UT Student Health Insurance (SHIP) Plan.

Read more about the UT Student Health Insurance Plan.

Graduate Assistants

GA/GRA/GTAs with a 25% or greater appointment to the university are automatically enrolled in the UT Student Health Insurance Plan. All international student GA/GRA/GTAs must complete the Health Insurance Waiver Form each semester.

Learn more about completing the UT Student Health Insurance Plan waiver.

International Graduate Assistants, Graduate Research Assistants, and Graduate Teaching Assistants

Must complete a semester waiver each semester. (see link moved above)

Eligible Dependents

Students enrolled in the UT Student Health Insurance Plan may also enroll dependents. However, dependents may not utilize the services of the Student Health Center on-campus. You may research providers online using your UHCSR account or learn more on the Student Health Programs plan summary webpage.

Learn more about the UT Student Health Insurance Plan and dependents.

Dental & Vision

These separate insurance options may only be purchased during the Fall open enrollment period.

Additional resources:

Frequently Asked Student Health Insurance Plan (SHIP) Questions

Effective Dates Rate
Annual: August 1 – July 31 $2,688
Fall: August 1 – December 31 $1,120
Spring/Summer: January 1 – July 31 $1,568
Summer: May 1 – July 31 $672

Enrollment Deadlines

For more information on insurance enrollment deadlines, visit studenthealthprograms.com.

Insurance Enrollment for Domestic Students and/or Dependents 

  • Annual: September 20, 2021
  • Fall: September 20, 2021
  • Spring: January 31, 2022
  • Summer: May 31, 2022

Dental/Vision Insurance

  • Annual only: September 20, 2021

Waiver Deadlines

International Graduate Assistants

  • Fall: August 31
  • Spring: January 31
  • Summer: Applies only if this is your first semester

Learn more about UT Student Health Insurance for graduate assistants.

International Students with Own Insurance

  • Fall: August 31
  • Spring: January 31
  • Summer: Applies only if this is your first semester

Learn more about UT Student Health Insurance for international students.

For Medical, Dental, and Vision Plan Details, please visit studenthealthprograms.com.

Help, I need an insurance card!

Download the Mobile App using the QR codes to access your insurance card and view medical claims.

From the app, you may fax or email your insurance card to medical providers.

Who is eligible?

  • All international students are automatically enrolled in the UT insurance plan.
  • Degree-seeking students enrolled in 6+ undergraduate or 3+ graduate hours (at least 1 hour considered “on campus”)
  • Students participating in a qualified co-op program
  • Dependents of eligible students: spouse, domestic partner, and dependent children under 26 years of age

Information for International Students

Information for Graduate Students with an Appointed Assistantship

Who is Not Eligible?

  • Fully Online Students
  • Distance Education Students

Other students/scholars:

  • UT College of Social Work (Nashville): Contact The Hildreth Agency at (865) 691-4652 for details
  • Visiting Scholars (who are not enrolled as students): Contact The Hildreth Agency at (865) 691-4652 for details.


The Hildreth Agency will administer the student insurance plan through United HealthCare Student Resources.

You may contact them directly at:

The Hildreth Agency / Student Health Programs
10259 Kingston Pike
Knoxville, TN 37922-3566
Phone: 865-691-4652 or 800-874-0831
Email: studenthealth@hildrethins.com

More Information FAQ

How Insurance Works with Student Health

Additional SHIP FAQ’s and answers may be found here.


Questions? Contact one of your UTK Student Health representatives:

Sara Dunphy, (865) 974-6147, sdunphy2@utk.edu

Yolanda McCaffrey, (865) 974-2337, ymccaffrey@utk.edu

Angie Bataille, (865) 974-6397, abataill@utk.edu

Student Health Center
Division of Student Life

1800 Volunteer Blvd.
Knoxville, TN 37996-3102
Phone: 865-974-3135