<p>The USHIP insurance fee is already included in the estimated fees (look at the break down). That “30 grand” cost is the cost of attendance which includes everything including personal expenses, travel, books and supplies, and insurance (which, as mentioned, is in the fee breakdown for the campus).</p>
<p>If you have Kaiser: get campus insurance. The nearest Kaiser is over the hill in San Jose. If you are ill or injured enough to need to go get taken care of, it is an almost impossible drive. Campus insurance is cheap. You can also go to any facility that takes Blue Cross if you are more than 25 miles from campus. I recommend using the campus health center, though.</p>
<p>Check to see if there are any providers for your insurance in Santa Cruz itself. If not: get campus insurance.</p>