Student Health Insurance Benefits Plan

See 2025-26 Benefit Details here.

The Student Health Insurance Benefits Plan

Easy to use – both on campus and nationwide.
Designed specifically for Ohio State students, with input from students and approved by the Board of Trustees.
Coverage includes medical, mental health, prescription drug, dental, and vision.
Eligible students are covered year-round, including breaks and throughout the summer.
Enhanced benefits are available at on-campus locations that have providers who are experts in student health: Student Health Services, Counseling and Consultation Services, OSU College of Optometry Clinics and the College of Dentistry Student Clinics on campus. Reduced or no out-of-pocket costs when students use these providers.
Complies with the 2010 Patient Protection and Affordable Care Act (PPACA) requirement for Minimum Essential Coverage (“MEC”) and exceeds the minimum requirements for student health insurance plans under the law.
Comparable to platinum level plans available through the health care marketplace, with rates comparable to the more affordable silver level plans. Plus, it includes dental and vision coverage.

Less than the average cost of comparable coverage available in the insurance market.
No copays, co-insurance or deductible for office visit fees, diagnostic testing and in-office medical procedures at the Wilce Student Health Center.
$20 co-pay for network primary and specialty care office visits.
$25 co-pay for urgent care office visits.
No referrals required.
10% co-insurance for most select provider services.
$150 select provider deductible.
$3,000 select provider out-of-pocket maximum.

Allergy injections
Complementary and alternative medicine, (including physical therapy, chiropractic, and acupuncture)
Dental
Diagnostic services such as laboratory testing and x-rays
Durable medical equipment
Immunizations
Inpatient and outpatient medical
Mental health and substance abuse
Prescription drugs
Preventive screenings and exams
Prescription drugs
Vision

Exclusions and limitations to the above can apply - visit the benefit year detail pages for full benefit details.

If a student purchases the Plan by the published Select/Waive deadline each term, there is no break in coverage. A selection before the student's first academic term's Select/Waive deadline will remain in effect for the entire academic year if eligibility is met. Spring semester coverage includes summer coverage, through the end of the plan year.

The Plan uses a PPO model (Preferred Provider Organization) with Ohio State network providers and facilities in the Franklin County area, and a national network outside of the Franklin County area. Visit the Find a Provider page to search these networks.
Global emergency assistance through UnitedHealthcare Global is included. Coverage is available to assist students in an emergency -- 24/7 -- whenever they are more than 100 miles from home.