Office of Student Life

Student Health Insurance

Eligibility for the SHI Benefits Plan

International Student Eligibility

International students are eligible for the health insurance requirement regardless of credit hours* and are required to purchase the SHI Benefits Plan. Students may be eligible for an exemption if they meet specific criteria. *Excluding international students that reside in their home country and enroll only in distance learning courses. 

Domestic Student Eligibility

Domestic student eligibility for the health insurance requirement and for automatic enrollment in the SHI Benefits Plan is defined by eligible credit hours: 6 for undergraduate students, 4 for graduate and professional students, and 3 for post-candidacy students.  

For Domestic eligibility, certain exceptions and exclusions apply, including:

  • Credit hours for Continuing Education, Audit, Non-Degree or Consortium courses are excluded. You may petition to enroll if the Non-Degree course is a pre-requisite for entrance into a degree status program of study; if the course is graduate level, you must have a current application on file with the Graduate School. 
  • Distance Learning credit hours are included only if active alongside on-campus credit hours. If you are enrolled exclusively in Distance Learning, you can petition SHI for inclusion of these credits.
  • If you are enrolled in approved co-ops, internship, study broad, thesis research, or dissertation research, you are automatically enrolled in the SHI Benefits Plan regardless of credit hours, unless you waive. 

It is your responsibility to view your online Statement of Account at the beginning of each academic term (and any time your course enrollment changes) to confirm it reflects the correct SHI Benefits Plan level.

Central Ohio Technical College and James A. Rhodes State College (formerly Lima Technical College) students are not eligible for the SHI Benefits Plan.

Dependent Coverage and Plan Levels

During the first Select/Waive period of each academic year, eligible students can select the following levels of the SHI Benefits Plan: 

  • Student Only (default)
  • Student + Spouse/Partner
  • Student + Child
  • Student + Spouse/Partner + Child
  • Student + 2 or more Children
  • Student + Spouse/Partner + 2 or more Children

If you select a new level of coverage, your fee will change according to the level you select (view Rates, Dates, and Deadlines for current rates). The new fee post to your Statement of Account within 1-3 business days. It will not post immediately. It is your responsibility to confirm the correct fee posts.  

Eligible Dependents: 

  1. The student’s legal spouse
  2. The student’s same or opposite sex domestic partner
  3. The student’s unmarried child(ren)* under age 26

“Children” includes: 

  • Biological children
  • Stepchildren
  • Foster children
  • Adopted children from the date of placement in the student’s home and who depend on the student for their support
  • Children for whom the student has been granted legal custody
  • Children for whom the student has legal obligation to provide coverage due to a court order
  • Children of the student’s domestic partner.

Domestic Partnerships

To enroll a Domestic Partner as a dependent, the following must be true:

  • You share a permanent residence (unless residing in different cities, states or countries on a temporary basis)
  • You are each other’s sole partner, have been in this relationship for at least six (6) months, and intend to remain in this relationship indefinitely.
  • Neither you nor the partner is currently married to or legally separated from another person under either statutory or common law.
  • You are responsible for each other’s common welfare.
  • You are at least eighteen (18) years of age and mentally competent to consent to this contract.
  • You are not related by blood to a degree of closeness that would prohibit marriage in the state in which we legally reside.

You must demonstrate financial interdependency, through the existence of three (3) of the following: 

  • Joint ownership of real estate property or joint tenancy on a residential lease
  • Joint ownership of an automobile
  • Joint bank or credit account
  • Joint liabilities (e.g. credit cards or loans)
  • A will designating the domestic partner as primary beneficiary
  • A retirement plan or life insurance policy beneficiary designation form designating the domestic partner as primary beneficiary
  • A durable power of attorney signed to the effect that we have granted powers to one another

To enroll a Domestic Partner you must submit a notarized Affidavit to the SHI office. The Affidavit is available at our Important Forms page