I worked for an insurance company for 3 years so i will note some good/bad points about USHIP.
One thing is USHIP changed this year from blue cross to united (i think, or the other way around)
If you go to student health .ucla. edu you can see the exact plan summary- copays, coverage, etc.
For the amount of money you pay- which is about 700 a year it is REALLY GOOD for the coverage you get.
The negatives are that it is organized sort of like an HMO- you have to go to the ASHE center first, and from there they refer you IF they feel you need something they can not provide. You will mostly get referred to UCLA medical - one of the top hospitals in the country so you are really only gaining from that aspect of it.
If you are going to live on campus or very near to campus it is really not an issue to go to the Ashe center for your initial consult. You can make appointments online even and usually get an appointment within a week. They also have mental health services on campus and the drug coverage was pretty descent from the previous carrier- i doubt that it would significantly increase even though all insurance premiums/policies have been increasing over the years. When you get drugs from inside the Ashe center is cheaper than going elsewhere, but i think that is the whole point - they want everything to go through the Ashe center first.
For most students this form of coverage is not a problem. Usually it is mainly adults and those with doctor preferences and people who have specific problems that prefer to be in charge of their own coverage ... for most students that do not have any serious problems it is not problematic to get your care through the ASHE center first.
My own personal experience is that they will refer you out without a problem to any specialist if there is medical necessity.
Some things are pricey- like the copays for MRIs where 100$- but relative to the ACTUAL cost of an MRI you are still getting a good deal.
Actually relative to the yearly cost and the coverage they provide you are pretty much getting a good deal no matter how you look at it because you can end up easily paying 300 / month for coverage from Kaiser which is one of the affordable plans in california and the service you would get is a thousand times worse not to mention you will not have access to ucla medical center in that case.
OK i am ranting but my end comment is get their coverage and do not hesitate.
AwakenZero- most insurance companies cover full time students up until age 23- but they do not have to do that and if KitKat is older than 23 a lot of them will not cover.
here is a link to the plan info Welcome to UCLA Student Health Services