Health Insurance and Fees

The annual premium cost of $2,867.00 is included in the 2024 fall term bill. It can be refunded if the policy is waived by the August 7, 2024, waiver deadline. No adjustments can be made to the student's account after that date. Students who return to campus in the spring semester have a waiver deadline of January 7, 2025, and a reduced bill of  $1,666.00 for the January 1 to July 31, 2025 coverage period.

The student must have comparable coverage in the state of Ohio to waive the Oberlin College-issued Student Health Insurance Program offered by Academic Health Plans. 

The waiver form is available on the Academic Health Plans website at oberlin.myahpcare.com/waiver. You must complete the waiver form each year. You will submit your private health insurance information when you waive it. This information is kept on a secure server. The AHP website will go live on June 30, 2024.

We require all international students to purchase the Student Health Insurance Plan. In addition to contacting Academic Health Plans via its website, call Oberlin’s AHP contact number at 1-855-844-3014 for coverage questions.

Regardless of insurance coverage, all full-time students enrolled at Oberlin College can receive medical care at Student Health. 

AHP is the primary insurance for coverage and when coordinating benefits. The Preferred Provider is Anthem Student Advantage. Student Health and Counseling and Psychological Services are free to all students, regardless of whether they purchase the AHP plan.

Go to oberlin.myahpcare.com :

• Click on Anthem Mobile App/Access ID Card
• Review PDF information
• Download the Sydney Mobile App or log in and register at anthem.com
• Any questions? Call Anthem Customer Service at (844)412-0752

Oberlin College Student Health Services providers want your medical care and treatment to be appropriate and efficient. No copays are collected. 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 will be billed to your insurance.

Insurance companies don’t often pay 100 percent of a bill. You may be required to reach a deductible (a specific dollar amount paid out of pocket) before your insurance company will pay. The AHP deductible is $500 In-Network and $1000 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 Counseling and Psychological Services. Still, you will be expected to pay a copay at a private physician’s office, walk-in clinic, urgent care, or the emergency department.

If the provider (doctor’s office or hospital) is not an in-network provider on your plan, you may be billed for the difference between the amount billed and the amount allowed by your insurance company. If you ensure that the provider is in-network on your plan, you should not be billed for this difference unless you reach the insurance plans' limits in policy for services rendered. The benefit maximum for Academic Health Plans is unlimited.

Refer to the AHP website for complete plan details.