CSU’s Student Health Insurance Plan (SHIP) provides comprehensive coverage on campus as well as in the community and nationally.

The Fall 2023 insurance waiver and enrollment portal opens on June 14.

Domestic Student Health Insurance Plan- Learn More
International Student Health Insurance Plan- Learn More

If you’ve had a qualifying life event and you want to enroll in the Student Health Insurance Plan, please submit the required documents to csuhn_insurance@colostate.edu within 30 days of loss of coverage.

Accessing In-Person Medical Services:

  • There is $0 cost share (no copay, deductible or coinsurance) for most services provided to SHIP (Student Health Insurance Plan) enrolled students at the CSU Health Network (CSUHN). Students should access services at the CSUHN before seeking medical care in the community.

  • If you need to access care through a provider or facility outside CSU Health Network:
    • Make sure you download your personalized health insurance card BEFORE going to an outside provider or facility. Instructions can be found here. If you need assistance, please call AmeriBen at 855-258-2656.
    • To limit your out-of-pocket costs, try to see providers in the Anthem Blue Cross Blue Shield Network whenever possible. You can search for providers on the Anthem website. Deductibles and co-pays will apply – please reference the SHIP brochures for details.
    • If you are in the Fort Collins area and need to seek care when the CSU Health Network is closed (after-hours, weekends, holidays), you can find detailed information and options on our After-Hours and Emergency Care page.

Accessing Online Medical and Counseling Visits via AcademicLiveCare Online Service:

  • CSU students enrolled in SHIP can seek medical and behavioral health (mental health/counseling) services online through AcademicLiveCare online service with $0 co-pay per visit (not subject to deductible). Click here for step-by-step instructions on how to register and use AcademicLiveCare online.
  • This is a great option to consider if you have a non-urgent medical or counseling concern or are concerned about seeking in-person care.

Prescription Support

  • CSU Health Network Pharmacy can fill your prescription with no cost sharing. Visit Location, Hours and Parking page for current Pharmacy hours of operation, and call (970) 491-1402 if you have questions.
  • Prescriptions filled outside of the CSU Health Network Pharmacy will require you to have your Anthem Blue Cross Blue Shield Health Insurance Card. Prescription costs are $10 (generic), $35 (brand), $60 (specialty). You may call the RX member service number on the back of your insurance card if you wish to use mail order services (co-pays apply).  Learn more about the basics of filling prescriptions, including home delivery.

COVID-19 Testing at CSU Health Network: 

  • Medically necessary testing will continue to be covered at 100%.

COVID-19 Testing and Treatment in the Community:

  • Medically necessary testing conducted by in-network providers will be covered subject to deductible and a 20% cost-share.
  • Medically necessary testing conducted by out-of- network providers is subject to the plan’s out-of-network deductible and 40% cost share.
  • COVID-19 tests purchased in a pharmacy or grocery store will no longer be eligible for reimbursement.
  • You will be responsible for any copay, coinsurance, deductibles, or out-of-network costs for COVID-19 testing and treatment. In addition, there may be a higher cost associated with COVID services received at out-of-network providers compared to in-network providers.

COVID-19 Vaccines in the Community:

  • COVID-19 vaccines are a covered prevention benefit (no cost to you) if obtained from an in-network provider.
  • Cost shares (deductible and co-insurance) will apply to vaccines when administered by an out-of-network Standard out-of-network pricing will also apply, subject to state law.

Questions? Contact the CSU Health Insurance office at

Note: Due to the nature of the insurance open enrollment cycle, this office experiences periods of high phone volume. Please consider emailing us at csuhn_insurance@colostate.edu and we will respond as soon as possible. 

Helpful Information about SHIP

Accessing your Digital SHIP Insurance Card

CSU offers a digital ID card for students enrolled in SHIP.  Your member ID card will be available on the plan start date.  You’ll receive an email from AmeriBen once your ID card is ready to download. You’ll be able to email or fax it from your smartphone or computer.  If you would like a physical ID card, contact Member Services at 1-855-258-2656.  You can learn more about accessing your SHIP insurance card here.

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