General Information : What is Comparable Insurance
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Summary of OSU Student Health Insurance options: Comprehensive Plan, WilceCare Supplement, and Waiver.
What is comparable coverage?
Coverage that is comparable to that offered by the Student Health Insurance Plan (SHIP) for non-network providers (please note that the coverage for SHIP network providers is much better):
- A private medical health insurance plan through a recognized company that is owned, headquartered, and operated in the United States.
- Foreign insurance plans with U.S. affiliates/representatives, travel insurance plans, and reimbursement programs of any kind do not qualify, including reimbursement arrangements of vouchers for home governments or their U.S.-based consulates.
- Provides a minimum of $500,000 in lifetime benefits.
- Provides 60% coverage of hospitalization fees.
- Provides 60% coverage of professional fees (e.g., lab tests, x-rays, doctor's visits, etc.).
- Has a pre-existing condition waiting period of less than or equal to three months.
- The annual deductible through your private insurance plan must be no more than $500 for inpatient services.
- Your private insurance plan must provide at least 30 days of inpatient mental health and substance abuse services.
- Your private insurance plan should provide worldwide coverage for all services.
- Your private insurance plan should have a network provider facility within 20 miles of Columbus.
- Your private insurance plan must provide proof of insurance, usually in the form of a card.
- If you are an international student, your private medical insurance plan must provide medical evacuation and repatriation benefits. In addition, the criteria found under the International Student Health Insurance Waiver Form must be met.