Understanding Your Options for OSU Student Health Insurance
As a student, you may be wondering what options you have for health insurance at OSU. Health insurance is crucial for maintaining good health and incurring affordable medical expenses. OSU offers multiple health insurance options, and understanding them can help you make an informed decision about the coverage that best fits your needs.
Student Health Insurance Plan (SHIP)
The Student Health Insurance Plan (SHIP) is the primary option offered by OSU to its students. The plan is specifically designed for students, and its benefits include coverage for hospital stays, prescriptions, and doctor visits. As an enrolled student, you are automatically enrolled in the SHIP unless you waive it or have proof of comparable coverage.
Waiving the SHIP
If you have other health insurance coverage, you can waive the SHIP by providing proof of comparable coverage by the designated deadline. The proof of comparable coverage has to meet OSU’s minimum requirements for coverage. In case you miss the deadline, you will be enrolled in and billed for the SHIP.
OSU-Sponsored Health Plans and Programs
OSU also offers various health plans and programs that supplement the SHIP. For example, the International Student Insurance Plan is a comprehensive insurance policy that covers international students’ specific needs, including medical evacuation and repatriation. Dental, vision, and mental health services are also available for additional coverage.
Coverage During Breaks and After Graduation
The SHIP covers students during the entire academic year, including breaks. International students who participate in the SHIP are also covered during the summer with a specific plan. After graduation, you can opt for the OSU Alumni Association health insurance plan or COBRA continuation coverage to continue the SHIP coverage.
The Bottom Line
Understanding your options for OSU student health insurance is crucial as it can protect you from exorbitant medical expenses and provide you with the necessary care. By considering the SHIP, waiving the SHIP, exploring OSU-sponsored health plans, and knowing your coverage options after graduation, you can make an informed decision to choose the best healthcare plan that fits your needs and budget.
In conclusion, it is essential to understand the various health insurance options available to you as an OSU student and choose the one that best suits your needs. Be sure to explore your options, ask questions, and make an informed decision that can safeguard your health while you focus on your academic and personal growth.
