Student Health Insurance Administrator

Academic Health Plans administers the Student Health Insurance Plan through UnitedHealthcare. As a preferred partner of UnitedHealthcare Student Resources in the Student Insurance Market, Academic Health Plans provides high-quality health insurance plans and reliable service for SFCM students.

For 2025-2026 academic year, premium rate changes are as below:

Full-time undergraduate students' annual premium rate is $2,183.
Full-time international students' annual premium rate is $2,183.
Full-time graduate students' annual premium rate is $4,069.

Coverage Dates

Coverage begins on August 1 of each academic year (January 1 for students starting in the spring semester) and ends on July 31.

SHIP Benefits

With its comprehensive benefits, the SFCM SHIP plan ensures that students have access to essential healthcare services, including vision care, emergency assistance, preventive vaccines and mental health support.

Additionally, the SFCM SHIP plan includes benefits such as telemedicine and telehealth services provided by HealthiestYou from Teladoc. All members have online access to licensed medical professionals 24/7 with no fees associated with these services. More information about benefits and coverage can be found in the 2025-2026 SFCM SHIP Policy Certificate (Master Policy)

For additional benefits information and questions, go to https://sfcm.myahpcare.com, students may reach out to Academic Health Plans at 1-833-667-0022 or via email at uryc@nucpner.pbzmoc.eracpha@pleh .

Access to ID Card

Insurance ID card is easy to access, all students who are enrolled, including dependents, can download the insurance ID card within 48 hours using either UHCSR secure portal, member account or UHCSR mobile app. After you successfully enrolled, create a UHCSR account at www.uhcsr.com first using your student ID number. You can then view and print your insurance ID card or request a physical one within your account. With the UHCSR mobile app, you can access your insurance ID card at any time. UHCSR provides secure online access to coverage information, print-friendly insurance ID cards, claims status, and any associated correspondence.

Enroll and Waive the Student Health Insurance Plan

SFCM SHIP Enrollment

All SFCM students are required to have health insurance that is approved by the state of California. SFCM automatically provides a Student Health Insurance Plan (SHIP) to all students through UnitedHealthcare Insurance Company (UHC), administered by Academic HealthPlans (AHP). All students will automatically see this charge on their student bill. US domestic students may request an "insurance waiver" to remove this charge; international students cannot opt out.

Visit the SFCM Health Insurance Portal for more information about the plan details and waiver process. Contact Academic HealthPlans (AHP) with any questions or concerns.

Please note that F-1 students on OPT who are not registered in classes will not be eligible to enroll in SFCM SHIP.

Requesting a Waiver

The deadline to request a waiver is August 15 for all returning students and new students entering in the Fall term. The deadline for new Spring students is January 15.

'All US domestic SFCM students must take an action annually to enroll or request a waiver. Those who do not take an action are automatically enrolled and charged for SHIP insurance. Those who have California-approved health insurance can request to waive SHIP insurance through the SFCM Healthcare Portal. All students requesting a waiver must show proof of insurance coverage for the months they are enrolled at SFCM. If your insurance card does not show active dates, contact your insurance provider for a coverage letter or other proof of active coverage.

Please note, international students are not eligible to submit an insurance waiver to opt out of SHIP coverage. 

In-network Urgent Care Facilities Nearby

Near campus, there are SFCM SHIP in-network urgent care facilities offering immediate medical support to students facing urgent scenarios.

1. Dignity Health-GoHealth Urgent Care
   • Address: 1600 Market St, San Francisco, CA 94102
   • Distance: 0.1 Miles Away
   • Phone: 415-746-1812
   • San Francisco urgent care center on Market Street is located between Franklin and Rose Street, across from the Italian Homemade Company. Save your spot online or walk in 7 days a week.
2. Carbon Health Urgent & Primary Care San Francisco – Civic Center
   • Address: 1390 Market St #109, San Francisco, CA 94102
   • Distance:0.2 Miles Away
   • Phone: 415-918-5766
   • Carbon Health Urgent & Primary Care in San Francisco, located just a short distance from SFCM, provides comprehensive urgent care for non-life-threatening conditions. Same-day visits, including weekends, with extended hours for your convenience.
3. Carbon Health Urgent & Primary Care San Francisco – Castro
   • Address: 1998 Market St, San Francisco CA 94102
   • Distance:0.7 Miles Away
   • Phone: 415-792-6040
   • Carbon Health Urgent & Primary Care in San Francisco, located just a short distance from SFCM, provides comprehensive urgent care for non-life-threatening conditions. Same-day visits, including weekends, with extended hours for your convenience.
4. Concentra Urgent Care
   • Address: 2 Connecticut St, San Francisco, CA 94107
   • Distance: 1.8 Miles Away
   • Phone:415-621-5055
   • Concentra Urgent Care, situated a bit further from SFCM, specializes in occupational medicine and urgent care, as well as physical therapy and wellness services.