Lana Oconnell
Ohio University requires all students enrolled in Athens credit hours to have health insurance. Students can either purchase the university's student health insurance or use their own insurance, as long as it meets the waiver requirements. The student health insurance is provided by United Healthcare Student Resources and offers comprehensive commercial health insurance to students and their dependents. It is a PPO model with Ohio State network providers and facilities in the Franklin County area and a national network outside of Franklin County. The premium amount for the insurance is billed to the student's university account and must be paid at the time of enrollment directly to the insurance company.
| Characteristics | Values |
|---|---|
| University | Ohio University |
| Insurance Provider | United Healthcare Student Resources |
| Insurance Type | Commercial Policy |
| Insurance Plan | PPO (Preferred Provider Organization) |
| Coverage | Domestic, International, and Regional Campus students, as well as their dependents |
| Eligibility | Students enrolled in Athens credit hours |
| Enrollment | Voluntary during Open Enrollment periods each semester |
| Enrollment Requirements | Completed enrollment form submitted to the Student Health Insurance Office |
| Payment | Premium amount paid directly to the insurance company |
| Dental Coverage | Optional policy available for purchase separately |
| Network | United Healthcare Choice Plus, with providers nationwide |
| Customer Service | 1.800.767.0700 |
| Website Feature | Provider Locator to find In-Network providers |
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What You'll Learn
Ohio University's student health insurance requirements
Ohio University requires all students enrolled in Athens credit hours to maintain an active health insurance policy. Students can either purchase the university's student health insurance or use an existing insurance policy that meets the waiver requirements.
The Student Health Insurance Policy is a 1-year commercial policy provided by United Healthcare Student Resources, which can be used nationwide. It offers an extensive network of Preferred Providers through the UHC Choice Plus provider network. The policy is compliant with the Affordable Care Act and is re-negotiated each academic year.
Students can voluntarily enrol in the Student Health Insurance during open enrolment periods at the beginning of each semester by submitting a completed enrolment form. Enrolment forms must be submitted to the Student Health Insurance Office during Open Enrolment each semester, and can only be purchased for the predetermined coverage periods. There is no prorated premium amount for late enrolment or early cancellation.
Athens and Regional Campus students are eligible to enrol their dependents in the Student Health Insurance policy on a voluntary basis. Students may purchase only the current coverage period for their dependents during Open Enrolment, and the premium amount for dependent coverage is applied to the student's University account.
Ohio University's PPO medical plan is administered by Anthem Blue Cross/ Blue Shield. Employees may contact Anthem directly with questions regarding their coverage, and can also access a web portal to manage their accounts.
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Eligibility and enrollment
Ohio University requires all students enrolled in Athens credit hours to maintain an active health insurance policy. Students with existing health insurance that meets the waiver requirements may complete a waiver application to remove the charge for university student health insurance. If a waiver is not completed or is denied, the university considers the student uninsured, and the charge for university student health insurance remains. The student health insurance policy is provided by United Healthcare Student Resources and offers a comprehensive commercial health insurance policy compliant with the Affordable Care Act.
Students taking at least five credit hours through any OU campus or a combination of campuses are eligible to enroll in the Student Health Insurance plan on a voluntary basis during open enrollment periods each semester. Coverage does not automatically continue to the next semester. Students may only purchase the current coverage period during the posted open enrollment period, and the premium amount is applied to the student's university account. Enrollment forms must be submitted to the Student Health Insurance Office during open enrollment each semester, and qualifying life event enrollments are processed as needed.
Athens and Regional Campus students are eligible to enroll their dependents in the Student Health Insurance policy on a voluntary basis. Dependents are only eligible to enroll for coverage periods in which the student is also enrolled. Students not enrolled in Summer semester credit hours may voluntarily enroll themselves and their dependents in the Summer coverage period, but premiums for Summer coverage must be prepaid to the student account.
Students who experience a Qualifying Life Event (QLE) are eligible to enroll in the student health insurance on a prorated basis after the open enrollment deadline if they meet the eligibility requirements. Visiting Scholars who are not credit-bearing students and will only be on campus temporarily are also eligible to purchase the student health insurance plan on a voluntary basis. Enrollment requires a special enrollment form to be completed and submitted to [email protected].
Students automatically charged for the Student Health Insurance are encouraged to confirm their enrollment using the link provided in the emails sent by the University Waiver/Enrollment Auditor, ECI Services. Confirming enrollment will provide access to the health insurance ID card and electronic verification of benefits.
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Waiver applications
Ohio University requires all students enrolled in Athens credit hours to maintain an active health insurance policy. The Student Health Insurance Policy is a 1-year commercial policy, provided by United Healthcare Student Resources, and is re-negotiated each academic year.
Students with an existing health insurance policy that meets the University waiver requirements may complete a waiver application to remove the charge for the University Student Health Insurance. If a waiver is not completed, or is denied, the University considers the student to be uninsured, and the charge for the University Student Health Insurance remains on the student's account.
A waiver is a legally binding provision where either party in a contract agrees to voluntarily forfeit a claim without the other party being liable. In the context of insurance, a waiver is when the insurance company voluntarily waives certain policy provisions or conditions for the benefit of the policyholder. For example, if an insurer waives the deductible for a claim, the policyholder will not be required to pay the deductible amount out of pocket. It is important to note that a waiver in insurance is a mutual agreement between the policyholder and the insurance company, and both parties must clearly communicate their intent to waive specific rights or coverages. Waivers can be advantageous, especially if the insurance company feels the claimant may have a legitimate claim in the future, and they want to mitigate that risk. However, there are also significant drawbacks to waivers, especially if there are legitimate legal claims that may arise in the future. Therefore, it is crucial for students to carefully consider the implications of any waiver and to review the terms and conditions of the policy before agreeing to or requesting a waiver.
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Coverage and benefits
Ohio University requires all students enrolled in Athens credit hours to maintain an active health insurance policy. Students with existing health insurance can apply for a waiver. If a waiver is not completed or is denied, the student is considered uninsured and will be charged for the University Student Health Insurance. This insurance is provided by United Healthcare Student Resources and offers a comprehensive commercial health insurance policy that is compliant with the Affordable Care Act. The policy can be used nationwide and offers an extensive network of Preferred Providers through the UHC Choice Plus provider network.
The Student Health Insurance Benefits Plan covers medical, mental health, prescription, vision, and dental. It covers students year-round, including during the summer and breaks. It offers enhanced benefits at on-campus locations with providers who are experts in student health. Out-of-pocket expenses are minimal, and often non-existent, if students use these providers. 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 Franklin County.
Students can voluntarily purchase the student health insurance during open enrollment periods at the beginning of each semester by submitting a completed enrollment form. Enrollment forms must be submitted by email to the Student Health Insurance Office. Students can only purchase insurance for the predetermined coverage periods, and there is no prorated premium amount for late enrollment or early cancellation. The premium amount for the insurance must be paid at the time of enrollment directly to the insurance company.
Ohio University's PPO medical plan is administered by Anthem Blue Cross/ Blue Shield. Anthem offers a web portal where members can log in and manage their accounts. The Sydney Health mobile app allows users to access their digital member ID card, search for network providers, and view deductibles, copays, and cost-sharing.
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Contact information
Ohio University requires all students enrolled in Athens credit hours to maintain an active health insurance policy. The Student Health Insurance Policy is a 1-year commercial policy, provided by United Healthcare Student Resources, and is re-negotiated each academic year.
To enrol in the Student Health Insurance plan, students must submit a completed enrolment form to the Student Health Insurance Office during Open Enrollment each semester. Students can contact the Student Health Insurance Office at [email protected]. Emails regarding enrolment are sent from [email protected].
United Healthcare Student Resources also offers an optional dental policy for purchase at the beginning of the Fall semester. Students can purchase this policy by contacting United Healthcare Student Resources directly at 1.800.767.0700.
Ohio University's PPO medical plan is administered by Anthem Blue Cross/ Blue Shield. Employees with questions about their coverage can contact Anthem directly. Anthem also offers a web portal where members can log in and manage their accounts.
To locate medical providers and facilities, students can visit the United Healthcare Student Resources website and select "Find Providers" under the image of the Athens campus Convocation Center.
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Frequently asked questions
Yes, Ohio University requires all students enrolled in Athens credit hours to maintain an active health insurance policy.
The Student Health Insurance Policy is a 1-year commercial policy, provided by United Healthcare Student Resources, that is re-negotiated each academic year. It offers Domestic, International, and Regional Campus students, as well as their dependents, a comprehensive commercial health insurance policy.
Students taking at least 5 credit hours through any OU campus are eligible to enrol in the Student Health Insurance on a voluntary basis during Open Enrollment periods each semester. Students can enrol by submitting a completed enrolment form to the Student Health Insurance Office during Open Enrollment.
No, the student health insurance can only be purchased for the predetermined coverage periods. There is no prorated premium amount for late enrolment or early cancellation.
