SHIP Resources Important documents and links related Point Park University's student health insurance plan (SHIP)
PLAN DOCUMENTS
Whether you are already enrolled in Point Park University's student health insurance plan (SHIP) or deciding whether to enroll, these documents will provide important SHIP information such as benefits, out of pocket costs, etc.
The Benefit Book is the document that contains the terms of coverage for the plan. It explains in detail what the plan covers and what is not covered, along with all other plan-related information.
The Benefit Grid is a chart that provides an overview of services covered under the plan, including the portion of the cost that is your responsibility. For a more detailed explanation of payment of covered services, please see the Summary of Benefits and Coverage (SBC) below. For more information about what the SHIP covers and does not cover, please see the Benefit Book above.
2025-26 Summary of Benefits and Coverage (SBC)
The Summary of Benefits and Coverage (SBC) shows how you and the plan share the cost for covered health care services in more detail than the Benefit Grid. It also includes examples of how payment and cost-sharing are applied in several scenarios. For the complete terms of coverage, see the Benefit Book above.
Preventive or routine care helps you stay well or find problems early, when they are easier to treat. As a part of your health plan, you may be eligible to receive some of these preventive benefits with little to no cost sharing when using in-network providers. All benefits for over the counter drugs and supplies must be purchased through in-network pharmacy providers in order to be covered.* Make sure you know what is covered by your health plan and any requirements before you receive any of these services. Recommended annual services are based on a calendar year resetting January 1 of every year.
Some services and their frequency may depend on your doctor’s advice. That’s why it’s important to talk with your doctor about the services that are right for your age, gender, and family history.
HELPFUL LINKS
Highmark Member Website
Highmark's member website has many helpful resources for members, including the ability to access:
- Finding in-network providers when you need medical care, such as a doctor, hospital, or urgent care
- Prescription drug coverage information and formulary
- Your virtual insurance card, where you can report a lost or stolen card, save or print a copy of your card, or request a new physical card
- Explanations of benefits (EOB) which is a document from your health insurance company that details how a claim was processed. EOB's explain what services were received, the costs associated with those services, how much the insurance company paid to the medical provider, and what amount, if any, you may owe. An EOB is not a bill, but it can help you understand a bill if you receive one, and verify that the medical provider is billing you accurately.
- Links to download the My Highmark app
- Mental health support
Once your enrollment is confirmed and you have received your insurance card, make sure to register for a Highmark account so you can access all of the above, and more. If you have already registered in the past, just login to your account. If you are having trouble registering for a Highmark account, reach out to Gallagher's Help Center for assistance.
Where To Go For Care
Here you can compare the types of care available and which is the best option for you based on your symptoms or condition, and includes a relative cost comparison for each type of care.
MyChart Patient Portal
Allegheny Health Network (AHN) is an integrated health care delivery network serving western Pennsylvania (Highmark is their parent company). If you receive care from an AHN provider, the MyChart patient portal lets you directly access your health information online, whenever you need to. On MyChart you can:
- Send messages to your doctor
- Request prescription renewals
- Schedule, Request, and begin your check-in process for appointments
- View your test results
- Schedule Virtual Care Visits
- Pay all of your medical bills
- Track your immunizations, and more!
You can do all of this with the click of a mouse from your home computer, tablet, or smartphone. For more information about MyChart, visit their Frequently Asked Questions.
Blue Cross Blue Shield Global
As an eligible Blue Cross and Blue Shield member, you can use this website to find doctors and hospitals outside of the United States, Puerto Rico and U.S. Virgin Islands. You can also find other valuable resources to help you stay safe and healthy around the world. A very helpful tool for study abroad students who are enrolled in the SHIP!
Wellness Coaching
Highmark's wellness coaches can help you quit smoking, lose weight, sleep better, balance stress, reach your health goals, and more. And the best part — wellness coaching is 100% covered by most plans.
OTHER RESOURCES
Highmark Website Tips and Resources