Every year, the University System of Georgia and East Georgia State College work hard to obtain the most competitive rates and most valuable benefits for students enrolling in the USG Student Health Insurance Plan (SHIP). We work with an Advisory Committee to help recommend the best approach for plan benefits and premiums each year.
For the 2024-2025 Academic Year, there are no changes to plan benefits, and there will be a premium increase of 2.8% across all categories of students and enrollees – or a $6.67 per month increase for the mandatory student-only category and a $9.33 per month increase for the voluntary category. This increase is down from last year, even with inflationary pressures impacting the plan.
The chart below shows the annual premium for each tier.
USG SHIP Plan Benefits Highlights and Plan Premiums – 2024 - 2025
| USG SHIP Benefits |
||
| Annual Individual Deductible | $500 | |
| Coinsurance Percentage | 80% | |
| Out-of-Pocket Maximum | $6,350 in-network / $10,500 out-of-network | |
| Non-SHC Office Visit Copays (PCP/Specialist) |
$20 / $20 | |
| Prescription Drug Copays | $25 / $50 / $75 | |
| Lifetime Benefit Limit | Unlimited | |
| Annual Premiums | Mandatory Premium | Voluntary Premium |
| Student Only | $2,936 | $4,114 |
| Spouse | $3,229 | $4,525 |
| Child | $3,229 | $4,525 |
| All Children | $6,457 | $9,052 |
| All Dependents | $9,687 | $13,577 |
| Undergraduate Student Benefit Premiums | International Student Benefit Premiums |
Premiums are charged on a per-semester basis. More information about the USG SHIP is also available at http://www.usg.edu/student_affairs/student_health_insurance_program_SHIP.
View the Mandatory Student Health Insurance Waiver and Enrollment Forms
If you have questions, please contact shipFREEOMNIUPDATE.
