Graduate Student Health Insurance Program
Student Health Insurance
Life without health insurance carries serious risk to your health, wellness and personal finances. To ensure that all graduate students have access to adequate health coverage, SDSU has developed a plan to connect students with various coverage options for the 2022-23 academic year.
Following extensive student and faculty feedback, as announced on October 24, 2022, the Graduate Student Health Insurance Program (GSHIP) will be in place for the spring 2023 semester.
GSHIP is an opt-out program for domestic (non-international) graduate students that offers health insurance coverage through Anthem Student Advantage, SDSU’s negotiated student plan. Students who choose not to participate in the program, as they have existing, alternative health insurance coverage, must opt-out by Jan. 31, 2023. The opt-out process is quick, and students just need to complete a waiver with proof of alternative coverage through the JCB portal. Once reviewed, students will receive confirmation that their waiver has been received and they have been successfully opted-out of the program.
Students can opt-out through the JCB portal Nov. 1, 2022 - Jan. 31, 2023. Students who take no action, or do not opt-out in the JCB insurance portal, will be enrolled in Anthem Student Advantage to ensure that they have health insurance coverage per the university’s requirement. A “pass through” charge to the health insurance provider in the amount of $1,635 will appear on their my.SDSU Financial Account Tile on Jan. 5, 2023. This will later be removed if the student opts-out later in January, any time before the Jan. 31 deadline.
This insurance premium provides students with health, dental, and vision insurance coverage from Jan. 16, 2023 to Aug. 14, 2023.
Visit this site regularly, as it will be updated with information and instructions
How Can I Opt-out of GSHIP?
We expect that SDSU graduate students who have health insurance coverage through other providers will choose to opt-out of the Anthem Student Advantage plan.
You can opt-out and waive enrollment in the Anthem Student Advantage insurance plan by following these steps beginning Nov. 1, 2022, and any time during the next three months, through Jan. 31, 2023:
- Visit JCBins.com
- Search for and choose “San Diego State University”
- Select the 2022-2023 plan year and “Domestic graduate student”
- Provide your proof of coverage by uploading an image of your current insurance card.
- Monitor your SDSU email for follow up from JCB Insurance regarding approval of your waiver or requests for any follow-up information.
- Once you receive the confirmation email, you’re all set! This action is required only once per academic year.
For more detailed instructions, please see the Step-by-Step Guide to Completing the Opt-Out Process.
What happens if I do not Opt-out?
Students who take no action, or do not opt-out in the JCB insurance portal, will be automatically enrolled in Anthem Student Advantage to ensure that they have health insurance coverage per the university’s requirement. A “pass through” charge to the health insurance provider in the amount of $1,635 will appear on their my.SDSU Financial Account Tile on Jan. 5, 2023. This will later be removed if you opt-out later in January, any time before the Jan 31 deadline.
This insurance premium provides you with health, dental, and vision insurance coverage from Jan. 16 through Aug. 14, 2023.
I want Anthem insurance. How can I opt in?
If you know you want to proceed with enrollment in the Anthem plan for Spring / Summer 2023, there is no action you need to take. If you do not want to keep receiving reminders from GSHIP team regarding the opt out deadline, you can submit an Enrollment Interest Form and we will notify JCB of this preference and you will see your status updated in the JCB portal to reflect that enrollment. We will also remove you from the GSHIP reminder list. You will be enrolled in the Anthem Student Advantage plan on Jan. 16, 2023.
Assistance, Contact Information
For questions about health insurance options or referrals, our Healthcare Coverage Coordinator is here to assist you. To request a one-on-one appointment with our Healthcare Coverage Coordinator, please fill out the online Healthcare Connection Coordinator Virtual Assistance form.
Graduate students who have questions can email [email protected].
Dedicated SDSU staff are available to counsel students without health care coverage (or temporarily between plans), and provide advice on selecting among a range of health insurance options. Those struggling to afford any of the available options may be eligible for financial support from SDSU's Economic Crisis Response Team (ECRT).
Resources to better understand health insurance
This video from Well-Being & Health Promotion defines some common health insurance terms.
This web page has some general advice about using health insurance and communicating with health insurance providers.
Fill out this form to request a one-on-one appointment with SDSU's Community Resource Specialist regarding health insurance.
Step-by-step instructions for completing the opt-out process are available to assist students with this process.
Frequently Asked Questions
A: Even when you are young and healthy, insurance provides financial protection in case of serious accident or illness. Securing health insurance can be complicated and overwhelming, but SDSU is here to help. Staff are assigned to advise you on all available insurance options and financial support.
Two essential things graduate students should consider about why you need health insurance:
- Without insurance, health emergencies can be financially catastrophic. With insurance, they are manageable.
- Regular preventative care is inexpensive or no-cost, and it keeps you healthy.
A: Yes, the university was successful in negotiating a university-sponsored health insurance option, Anthem Student Advantage. Students who take no action, or do not opt-out in the JCB insurance portal by Jan. 31, 2023, will be automatically enrolled in Anthem Student Advantage to ensure that they have health insurance coverage per the university’s requirement.
A: Students who take no action, or do not opt-out in the JCB insurance portal, will be automatically enrolled in Anthem Student Advantage to ensure that they have health insurance coverage per the university’s requirement. A charge in the amount of $1,635, which is the cost of the insurance premium for the spring 2023 semester, will appear on their my.SDSU Financial Account Tile on Jan. 5, 2023. This insurance premium provides insurance coverage from Jan. 16 through Aug. 14, 2023.
If you want to opt out after the charge appears on Jan. 5, you will still have time. Though the charge for the cost of the Anthem Student Advantage insurance premium will appear on my.SDSU Financial Account Tiles on Jan. 5, it will be removed seven to ten business days after a student opts out and receives confirmation that they have successfully opted out. To opt out, you must submit the GSHIP waiver in the JCB insurance portal before the Jan. 31, 2023 deadline (instructions above).
Applying the fee for the cost of the Spring premium to student accounts on Jan. 5 will allow students enrolling in Anthem Student Advantage to use their financial aid or work with Student Account Services on payment options for the cost of the insurance premium, should they choose to meet the requirement by proceeding with enrollment in this university negotiated plan. For those students who complete the waiver after financial aid has been applied, Student Account Services will refund the amount and the student’s financial aid will be updated accordingly.
A: As shared via email on July 29, the Graduate Student Health Insurance Program was temporarily paused for the fall 2022 semester to allow space for additional student feedback. With extensive feedback received over the past few months, the program and insurance requirement will be reimplemented for the spring 2023 semester.
With the lift of the pause, beginning in spring 2023, graduate students enrolled in graduate programs at SDSU and SDSU Imperial Valley must have health insurance coverage by either enrolling in the university negotiated health insurance plan, Anthem Student Advantage, or providing proof of alternative, qualifying coverage through the dedicated JCB insurance portal and opting-out of the program.
A: If you are struggling to afford health insurance, you should first explore your eligibility for low-cost or no-cost Medi-Cal insurance. Covered California (the U.S. Affordable Care Act exchange in California) also offers subsidies to assist with monthly costs. If you are not eligible for these options, or if the cost creates a financial hardship for you, you can reach out to SDSU’s Economic Crisis Response Team (ECRT) to learn about financial assistance that may be available to you from the university.
We encourage all students to apply for financial aid using the Free Application for Student Aid (FAFSA) or the California Dream Application.
A: Please reach out to SDSU's Healthcare Coverage Coordinator. You will be able to discuss your needs with the coordinator, who can then provide you with helpful advice about health insurance plans you may qualify for, review the various options available to you, as well as assist with MediCal or Covered California enrollment. You can request a meeting by filling out the online Healthcare Connection Coordinator Virtual Assistance form.
A: The Affordable Care Act (ACA) requires that U.S. citizens and legal residents have health insurance. The health and wellness fee you pay each semester provides access to Student Health Services (SHS), but is not a health insurance plan under ACA guidelines. SHS is a healthcare facility that can address basic health care needs while on campus, in Calpulli Center. SHS offers quality and convenient healthcare by certified healthcare professionals. The health and wellness fee also supports Well-being & Health Promotion, Counseling & Psychological Services, as well as Student Ability Success Center. For healthcare needs that require care beyond what Student Heath is able to offer, students need health insurance to access specialty and diagnostic services, as well as urgent and emergency care.