Student Health Insurance Benefits Plan

See 2023-24 Benefit Details here.

The Student Health Insurance Benefits Plan is valuable and easy to use on campus and off:

It is designed specifically for Ohio State students, with input from students and approved by the Board of Trustees.
It covers medical, mental health, prescription, vision, and dental.
It covers students year-round, including through summer and breaks.
It offers enhanced benefits 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. Out-of-pocket shares of expenses will be least, and often none, if students use these providers.
If it were available through the health care marketplace, this type of individual policy would be a Platinum plan (the highest level of coverage) with rates that are typically at the more affordable Silver level of cost. Plus, it includes dental and vision coverage.
It 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.
For benefit details by specific policy year materials, you can use the left menu navigation.

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

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

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

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.

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 effective for the entire academic year if eligibility is met. Spring semester coverage includes summer coverage, through the end of the plan year.