As a condition for enrollment at Ohio State University (OSU), students are required to be covered under a qualified health insurance plan. This requirement applies to undergraduate students enrolled for six or more eligible credit hours (four or more eligible credit hours for graduate and professional students and three hours for post-candidacy students). You may choose to purchase private on and off-Marketplace coverage or the OSU option.
All international students must also meet these requirements, and are automatically enrolled in the “comprehensive” plan. Also, auto-enrolled are students that study overseas, interns, and persons working on dissertations or a thesis. However, if alternative qualified coverage is in-force, a waiver will be granted. If no selection is made, the comprehensive plan will automatically be selected. Generally, you must select a choice about seven days before August Semester classes begin.
When registering for classes for the first calendar year term, the Buckeye Link will indicate the cost of coverage for the comprehensive plan option. That coverage can be kept, or waived, with proof of another qualified policy. If waived, a supplementary WilceCare policy (discussed in detail later) also becomes available. NOTE: The annual period of coverage is August to August as opposed to using the calendar year.
If you miss the Enrollment/Select/Waive period for changes to the comprehensive plan, a 31-day period is granted if you qualify for a “qualifying event,” and submit the appropriate form to SHI. However, any form received after that period will not be considered. Coverage can be requested to be added or terminated. Examples are listed below:
Death of spouse, child, or dependent
Dependent no longer eligible for other coverage because of age restriction
Adding a spouse because of marriage
Deleting a dependent because of divorce
Dependent becomes US citizen
Adding a newborn from legal adoption or delivery
Dependent leaves country to return home
Employment change leads to new healthcare eligibility
Domestic partnership is terminated
OSU student health insurance rates for 2016-2017 are listed below. These rates are “per semester” with the plan offered and underwritten by UnitedHealthcare, one of the nation’s largest healthcare providers. Details of the OSU student health insurance plan can be viewed through the provided link. NOTE: Although UHC has greatly reduced their presence on state and federal Exchanges, it does not impact the specific plans offered at OSU. All of the options below satisfy ACA (Affordable Care Act) requirements and regulations, and include “minimum essential requirements.”
(Paid TWICE per year)
Student – $1377
Student And Spouse – $2754
Student And Spouse And Child – $4131
Student And Two Or More Children – $4131
Student And Spouse And Two Or More Children – $5508
The policy provides comprehensive healthcare benefits, including coverage for office visits, prescriptions, Urgent Care and ER visits, major medical, mental illness, dental, and vision. If network facilities are utilized, maximum out-of-pocket expenses will be minimized. However, the UnitedHealthcare network is also available for off-campus treatment. Within the Franklin County PPO Network area, there are many available facilities. NOTE: Picture above is property of OSU.
Additional specific network highlights include a low $100 deductible and $2,000 maximum out-of-pocket costs (in-network treatment). Both primary-care physician (PCP) and specialist office visits are subject to only a $15 copay with no limit on the number of covered visits. Also, no referrals are required. Vision and dental exams also feature the $15 copay. NOTE: The benefit package was recommended by the Student Health Insurance Advisory Committee and approved by the Board of Trustees. Additional benefits include:
100% qualified preventative benefits with no out-of-pocket costs.
10% coinsurance for diagnostic tests (blood work and x-rays), MRIs, and PET/CT scans.
10% coinsurance for generic drugs, 20% for preferred brand drugs, and 50% for non-preferred brand drugs.
10% coinsurance for physician/surgeon and facility fees.
10% coinsurance and $100 copay for Emergency-Room visits.
10% coinsurance for hospice and rehabilitation services, skilled nursing care, and durable medical equipment.
Not all medical expenses are covered, regardless if treatment is performed in the Columbus area, or outside of Ohio. A partial listing of exclusions is listed below:
Experimental or unapproved surgery
Adult dental care
Weight loss programs
If you receive treatment at the Wilce Student Health Center, usually there will be very little (or no) out of pocket cost. Otherwise, copays of $15 and $25 apply to many popular office visits. There is a $100 deductible to meet and the maximum out of pocket amount is $5,000. A 10% coinsurance often applies to services, which is fairly typical.
WilceCare Supplement Plan Option
If you opt out of the “comprehensive” option, and choose to utilize your own private plan, depending on your deductible and network benefits, higher out-of-pocket expenses could result, depending on the number of submitted claims. The WilceCare option is a pre-paid coverage that provides benefits for common ailments (and injuries). It is not a qualified insurance plan, and covered treatment must be provided at the Wilce Student Health Center during normal operating hours.
The two main components of the contract are prescription drugs and outpatient treatment. In-hospital expenses, or any services provided away from the Wilce Center are not covered. The Buck ID is the only identification needed for treatment. Major highlights of the rider are listed below:
Annual cost is $225. Spouses and dependents are not eligible for coverage.
$2,000 is the maximum amount of benefits paid for the contract year. Prescription drugs have a separate maximum of $225.
Outpatient services include office visits, physical therapy, allergy injections, diagnostic services, including x-rays, lab tests, and electrocardiograms, and needed supplies.
Prescription drugs for conditions that are covered under the program. Coinsurance is 10% for generic drugs, 20% for brand name drugs (no possible generic substitute offered), and 50% for brand name drugs with generic substitute available. A $10 copay also applies, unless the cost of the prescription is less.
The following conditions and expenses are excluded:
Dental and vision treatment, including glasses, contact lenses, and hearing aids.
Non-prescribed medications (over-the counter) and contraceptives.
Preventative treatment. NOTE: These types of expenses are 100% covered under private and group plans.
Psychotherapy and psychiatry.
Comparison Of OSU Student Plan To Available Private Plans
For our comparison, we are assuming the insured is a healthy 20 year-old who lives in the Columbus area. It should be noted that rates vary, depending on where you live, your smoking status, and age. For this comparison, we did NOT include a federal subsidy, which can substantially lower premiums if you meet eligibility requirements. Listed below are some of the best plans to consider for student health coverage in Ohio. Rates are monthly:
$112 – CareSource Just4Me Bronze – $6,650 deductible with $40 and $80 copays on pcp (Primary-Care Physician) and specialist office visits respectively.
$132 – UnitedHealthcare Compass HSA 5500 – HSA-eligible plan with $5,500 deductible and $6,500 maximum out-of-pocket expenses.
$136 – Molina Marketplace Silver – $2,000 deductible with $20 and $55 office visit copays. The generic drug copay is $10.
$148 – Anthem Bronze Pathway X PPO 5000 30 – $5,000 deductible with pcp office visit of $55.
$173 – Molina Marketplace Gold – $500 deductible with $15 and $35 office visit copays. Maximum out-of-pocket expenses are $6,850.
$179 – UnitedHealthcare Gold Compass 0 – $0 deductible with $30 and $60 office visit copays. $6,850 maximum out-of-pocket expenses.
$185 – Anthem Silver Pathway X PPO 2000 20 – $2,000 deductible with $45 copay on pcp office visits.
$197 – Anthem Gold Pathway X HMO 1450 20 – $1,450 deductible with $30 and $50 office visit copays. )nly $3,100 for maximum out-of-pocket expenses.
$201 – Medical Mutual Market 1750 – $1,750 deductible with $30 and $60 office visit copays (with 25% coinsurance).
$245 – Market 1000 – $1,000 deductible with $25 and $50 office visit copays. Maximum out-of-pocket expenses are $6,500.
There are many affordable student health insurance options and it’s very possible one of the plans listed above may be worth considering. Our contact information is listed at the top of the page and we are always available to discuss the best choices.
We continue to be recognized as the premier resource for all student medical coverage. You can view additional details here and view quotes live online. Often, purchasing your own private coverage is much less expensive and many benefits will be much more comprehensive. However, each situation is different so we’ll be happy to provide our unbiased advice and input.
It is also important to note that we are not affiliated with the OSU student health insurance program. However, optional coverage from many top-rated companies is very comprehensive, and rates are quite attractive. Specific questions regarding OSU student plan rates, coverage, eligibility requirements and enrollment details should be directed to this website. However, we also encourage comparing rates from all of the available carriers, not just one. Our quote section at the top of the page will help.