Lana Oconnell
The University of Cincinnati offers student health insurance, which covers major medical expenses and is underwritten by United Healthcare Student Resources. The plan includes worldwide coverage, in-network and out-of-network options, and is of gold-tier standard. Students can waive the insurance plan if they are already enrolled in a plan that is equal to or better than the UC Student Health Insurance Plan. The university also offers the Graduate Student Health Insurance Award (GSHI Award) for fall and spring semesters, which covers 100% of the single-student UC Student Health Insurance charge.
| Characteristics | Values |
|---|---|
| Student Health Insurance Plan Coverage | Major medical expenses, primary care, most immunizations, birth control, substance abuse and mental health counseling, and bloodborne pathogen insurance. |
| Worldwide Coverage | Yes, including semester breaks, summer vacation, and while traveling or studying abroad. |
| Graduate Student Health Insurance Award (GSHI) | Offered for fall and spring semesters. Students must submit their GSHI offer letter each year to continue receiving the award. |
| Waiving Student Health Insurance | Students with existing health insurance plans that are equal to or better than the UC Student Health Insurance Plan may waive UC Student Health Insurance by submitting an online waiver by the deadline. |
| Refunds | No refunds are given if enrolled in the Student Health Insurance plan, except in the case of a student entering the armed forces. |
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What You'll Learn
Graduate Student Health Insurance Award (GSHI)
The University of Cincinnati offers the Graduate Student Health Insurance Award (GSHI Award) for graduate students for the fall and spring semesters. The GSHI Award provides financial aid to students to cover the cost of UC student health insurance (SHI). The award covers 100% of the single-student UC SHI charge, which is $1,213.50 per semester, with a maximum award of $2,427 for the academic year. Students who purchase health insurance coverage for themselves and their spouse/dependents will receive the full amount of the award on their fall semester bill, while those with single-student coverage will be billed on a semesterly basis.
To be eligible for the GSHI Award, students must meet certain criteria. They must be a Graduate Assistant, Fellow, or paid via a Catalyst "departmental item type" fellowship stipend, and receive a minimum stipend payment of $2,878.40 per semester through UC Payroll. Additionally, students must enrol for a minimum of 10 graduate credit hours in each qualifying award semester and maintain eligibility to receive general financial aid under the 174 Graduate Credit Rule.
It is important to note that the GSHI Award does not waive the UC SHI charge; students will still see a charge for UC SHI on their term bill. Students who are already enrolled in a health insurance plan that is equal to or better than UC SHI may waive UC SHI by submitting an online waiver. However, if a graduate student waives the university health insurance, they will not be eligible for any GSHI Award.
The University of Cincinnati's student health insurance plan offers worldwide coverage, including during semester breaks, summer vacations, and while travelling or studying abroad. It covers most primary care services at no charge, including primary care doctor visits, medically necessary lab services, and gynecological services. It also provides coverage for mental health and substance abuse services, including inpatient care and outpatient therapy.
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Waiving the student health insurance plan
The University of Cincinnati does offer student health insurance. Enrollment in the Student Health Insurance Plan is automatic for students enrolled in a qualifying program and registered for 6 or more credit hours or co-op. However, students can waive this insurance if they are already enrolled in a health insurance plan that is equal to or better than the UC Student Health Insurance Plan. This waiver must be submitted online before the deadline.
It is important to note that once enrolled in the Student Health Insurance Plan, you will remain enrolled for that period of coverage. The plan cannot be terminated due to gaining coverage through marriage or purchasing private insurance. A prorated refund of the premium is only permitted when a student joins the armed forces.
The Graduate Student Health Insurance (GSHI) Award is available for fall and spring semesters, but it does not waive the UC Student Health Insurance charge. Students who purchase UC student health insurance coverage for themselves and any spouse/dependents are charged the full cost of coverage for the academic year on their fall semester bill. Students who purchase single-student coverage are billed on a semesterly basis. Students matriculated into online programs are ineligible for UC Student Health Insurance coverage and, therefore, ineligible for the GSHI awards.
Dependents of UC employees are required to submit a complete and accurate UC Student Health Insurance Waiver and are not exempt from this process. The University may amend, modify, or rescind any existing student health insurance policies, guidelines, rules, procedures, or regulations at its discretion.
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Primary care and immunizations
The University of Cincinnati offers Student Health Insurance (also known as SHI or SHIP) to its students. The plan is underwritten by United Healthcare Student Resources and is of gold-tier standard. It covers major medical expenses and includes in-network and out-of-network coverage. The plan is also compliant with the Affordable Care Act.
The University Health Services (UHS) provides primary care services at no additional cost. There is no limit to the number of visits. Primary care includes, but is not limited to, primary care doctor visits, medically necessary lab services, and gynecological services. Most immunizations and birth control from in-network providers are also free. Services that are not considered medically necessary will have an out-of-pocket cost.
The UHS has two campus locations and a pharmacy. Students who are already enrolled in a health insurance plan that is equal to or better than the UC Student Health Insurance Plan may waive it by submitting an online waiver by the deadline. However, once enrolled, coverage cannot be dropped. Students who lose their coverage can re-enroll by providing documentation of the loss of coverage and completing the qualifying life event enrollment form.
The Student Health Insurance Plan also provides worldwide coverage. It covers students during semester breaks, summer vacation, and even when they are travelling or studying abroad.
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Coverage while travelling or studying abroad
The University of Cincinnati offers worldwide health insurance coverage for its students. This means that students are covered during semester breaks, summer vacations, and even while travelling or studying abroad. However, it is only valid for the period for which the student is enrolled and premiums are paid.
Students travelling abroad on university-sanctioned or funded international travel are required to purchase and maintain continuous insurance coverage while abroad. The University of Cincinnati International partners with Cultural Insurance Services International (CISI) to provide insurance that meets mandatory coverage levels. The cost of CISI is $11.75 per week or $39.50 per month. Students travelling on a UC faculty-led program are typically automatically enrolled, and the cost is included in the program fee. Students travelling on exchange, external provider programs, or co-op programs will need to self-enroll in CISI.
It is important to note that many domestic health insurance plans may not cover medical emergencies while travelling abroad. As such, students may need to purchase additional travel medical insurance to ensure they are protected in case of any medical or dental emergencies that may arise during their time abroad.
The University of Cincinnati also offers the Graduate Student Health Insurance Award (GSHI Award) for fall and spring semesters. Eligibility is assessed on a semester-by-semester basis, and students may receive the award for one or both semesters. To qualify, students must submit their GSHI or GA offer letter to the Graduate College and maintain all eligibility requirements throughout the semester.
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Bloodborne pathogen insurance
The University of Cincinnati does offer student health insurance. Students who are already enrolled in a health insurance plan that is equal to or better than the UC Student Health Insurance Plan may waive the UC Student Health Insurance Plan by submitting an online waiver. The UC Student Health Insurance Plan provides worldwide coverage, including during semester breaks, summer vacation, and while travelling or studying abroad. The plan covers the period for which the student is enrolled and premiums are paid.
The University of Cincinnati also offers Bloodborne Pathogen Insurance, also known as Needlestick Insurance, to students who may be exposed to human bloodborne pathogens during their studies. Bloodborne pathogens are infectious microorganisms in human blood that can cause disease. They include hepatitis B (HBV), hepatitis C (HCV), and human immunodeficiency virus (HIV). Workers in many occupations, including first responders, housekeeping personnel in some industries, nurses, and other healthcare personnel, may be at risk of exposure to bloodborne pathogens.
OSHA's Bloodborne Pathogens Standard covers employees designated to provide first aid by their employer. However, if a non-designated person routinely provides first aid to coworkers, OSHA may consider them a de facto responder and extend coverage to them. Providing first aid training does not determine coverage under the Bloodborne Pathogens Standard. Employers may provide first aid training as a benefit, but if they do not designate those workers as responders, the standard does not apply. Only when an employer imposes the expectation or designation to provide first aid does coverage fall under the standard.
Employees covered by the Bloodborne Pathogens Standard require initial training and annual refresher training. This training must provide at least a quick review of previous training material, even if it does not cover all topics in depth. Employers must also implement an exposure control plan for the worksite, detailing employee protection measures, engineering and work practice controls, personal protective clothing and equipment, employee training, medical surveillance, hepatitis B vaccinations, and other provisions as required by OSHA's Bloodborne Pathogens Standard.
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Frequently asked questions
Yes, the University of Cincinnati offers student health insurance.
The University's Student Health Insurance Plan covers major medical expenses and is underwritten by United Healthcare Student Resources. The plan includes in-network and out-of-network coverage and is of gold-tier standard. It also covers most immunizations and birth control from in-network providers.
Yes, students can waive the student health insurance plan by submitting an online waiver by the deadline. To do so, students must already be enrolled in a health insurance plan that is equal to or better than the University of Cincinnati's plan.
No, once you are enrolled in the Student Health Insurance plan, you will remain enrolled for that period of coverage. A prorated refund of the premium is only permitted when a student enters the armed forces.
