Office of Student Life
Student Health Insurance

About Our Plan

Student Health Insurance — At a Glance

 Ohio State’s Student Health Benefits Plan is designed specifically for students to provide comprehensive coverage on campus and nationwide throughout the academic year.

Start Here

  • Need coverage?   Eligible students are automatically enrolled.
  • Already have insurance?   You can waive the plan by the deadline if you have other qualifying coverage.
  • Want to know what’s covered?   Keep scrolling.

Why Students Choose This Plan

Built for You

  • Designed specifically for students at The Ohio State University
  • Developed with student input and approved by the Board of Trustees
  • Easy to use on campus and nationwide

All-in-One Coverage

  • Medical and Mental Health
  • Prescription Drugs
  • Dental
  • Vision

 Year-Round Protection

  • Coverage continues during breaks and summer
  • If you enroll by the published deadline, there is no lapse in coverage from year to year

Reliable Partners 

  • United Healthcare Student Resources
  • Delta Dental
  • HealthiestYou - Online Care
  • OSU Health Plan Network
What's Covered

Core Benefits

  • Doctor, Urgent Care and Emergency Department Visits
  • In-patient and Out-patient Hospital Care
  • Mental Health
  • Prescription Drugs
  • Diagnostic Labs and Imaging
  • Preventive Care – Wellness Exams and Immunizations
  • Dental
  • Vision

Additional covered services

  • Allergy Injections
  • Physical Therapy, Chiropractic, and Acupuncture
  • Durable Medical Equipment
What to Expect:  2026-27 Out-of-Pocket Costs

The Student Health Benefits Plan uses a tiered provider network.  Students have access to providers in all tiers and your out of pockets costs are based on the tier of the provider.   Your out of pocket expenses will be lower when you receive care from Tier 1 and Tier 2 providers. 

$ Tier 1: Lowest Cost (On-Campus)


$$ Tier 2: In-Network / Select Providers (Off Campus)

  • $20 copay for primary and specialty care office visits
  • $25 copay for urgent care office visits
  • 10% coinsurance for most services
  • $0 coinsurance for covered preventive services
  • $200 deductible
  • $4,000 out-of-pocket maximum

$$$ Tier 3: In-Network / Preferred Providers (Off Campus)

  • 40% coinsurance for most services
  • $0 coinsurance for covered preventive services
  • $600 deductible
  • $7,000 out-of-pocket maximum

 

 $$$$ Tier 4: Out-of-Network Providers (Off Campus)

  • 40% coinsurance for most services
  • 40% coinsurance for covered preventive services
  • $600 deductible
  • $7,000 out-of-pocket maximum

See our Member Overview Booklet additional benefit details.

Where You'll Use It Most - Understanding the Provider Network

$ Tier 1: Lowest Cost (On-Campus)


$$ Tier 2: In-Network / Select Providers (Off Campus)

  • The Student Health Benefit plan uses a PPO network
  • Inside Franklin County, students use the Ohio State Health Plan Network
  • Outside Franklin County, students use the UHC Choice Plus Network which works nationwide
  • No referrals are required


$$$ Tier 3: In-Network / Preferred Providers (Off Campus)

  • The Student Health Benefit plan uses a PPO network
  • Inside Franklin County, UHC Choice Plus Network but not Ohio State Health Plan Network
  • No referrals are required



$$$$ Tier 4: Out-of-Network Providers (Off Campus)

  • All other providers

Coverage That Travels with You

  • Access to in-network providers nationwide
  • 24/7 Emergency support worldwide when you’re 100+ miles from home
  • Assistance when traveling abroad through UnitedHealthcare Global
Next Steps
  • Enroll in the Student Health Benefits Plan
  • Waive the Student Health Benefits Plan
  • View Benefits Details & Plan Partners
  • Compare your health plan to what we offer using our interactive Comparison Worksheet
  • Compare what we offer to plans available in the marketplace using our Marketplace Comparison