All full-time students enrolled at Oberlin College during 2017-2018 are automatically enrolled and billed for the Student Insurance Program offered by Academic Health Plans (AHP), Inc. The premium cost of $1,626 is included on the 2017 fall term bill. It can be refunded if the policy is waived by the waiver deadline of August 31, 2017. No adjustments can be made to the student's account after that date. Student who initially return to campus in the spring semester have a waiver deadline of January 31, 2018 and a reduced bill of $944 for the 1/1/18 to 7/31/18 coverage period.
In order to waive the Student Health Insurance Program offered by Academic Health Plans, the student must have comparable policy coverage that provides benefits to providers in Oberlin, Ohio. You will need to consult your private insurance company for these details. Academic Health Plans website has the waiver form available online at oberlin.myahpcare.com/waiver or through oberlin.edu/stuaccts. The waiver form must be completed each year.
You will be submitting your private health insurance information when you opt to waive and it will be kept in a secure server. The AHP website waiver for 2017-2018 will be activated on July 5, 2017. Please DO NOT wait until the last minute to waive the insurance plan.
We require all international students to purchase the Student Health Insurance Plan. In addition to contacting Academic Health Plans via its website, you can call Oberlin’s AHP contact number at 1-855-844-3014 for coverage questions. All full-time students enrolled at Oberlin College, regardless of insurance coverage, can receive health-related care at Student Health Services.
AHP is the primary insurance for coverage and when coordinating benefits. The Preferred Provider is United Healthcare Choice Plus. Student Health Services and the Counseling Center are free for all students regardless of whether they purchase the AHP plan. Sending health forms to Student Health does not mean you have automatically waived the insurance. You must specifically waive the insurance if you do not wish to purchase it. The waiver procedure must be completed yearly.
If you have a question about Academic Health Plans, complete information is available online at the Academic Health Plans website.
The providers at Oberlin College Student Health Services want your medical care and treatment to be appropriate and efficient. No copays are collected. There is a $5 fee for each Clia Waived Test performed in the office which can be paid with cash, check, credit or debit card, Obie Dollars or Student Charge. Bring your Oberlin College Student Photo Id to each visit. However, there are times when further diagnostic testing or treatment may be recommended. Payment for services provided elsewhere are to be handled by your insurance company.
Insurance companies don’t often pay 100 percent of a bill. You may be required to reach a deductible (a certain dollar amount paid out of pocket) before your insurance company will pay. The AHP deductible is $200 In Network & $400 Out of network. You may also have a copay, which is a set amount you pay out of pocket per visit. You will not be charged a copay for visiting Student Health or the Counseling Center, but you will be expected to pay a copay at a private physician’s office, walk-in clinic, urgent care or the Emergency Department.
Usually there is a set amount that your insurance company will pay for a service. If the provider (doctor’s office or hospital) is not a “preferred provider” on your plan, you may be billed for the difference between the amount that is billed and the amount your insurance company will pay. If you ensure that the provider is a “preferred provider” or “on your plan” then you should not be billed for this difference unless you reached the insurance plans' limits in policy for services rendered. The benefit maximum for Academic Health Plans is unlimited.
Refer to the AHP website for 2017-2018 for FAQs, Academic Health Plans coverage at Oberlin College, and other general information.