Paul Sanchez
The Ohio State University Medical Center accepts a wide range of insurance plans, including government plans such as Medicare, TriCare, and Medicaid. They also accept all traditional Medicare plans and Medicare Plans with Medigap coverage. For students, the Wilce Student Health Center is contracted with most major commercial insurance plans. Additionally, OSU Health Plan offers health insurance benefits to OSU employees, providing access to a wide range of health and wellness programs. Furthermore, OSU takes certain Blue Cross Blue Shield Health plans, including Anthem Blue Cross in Ohio and Indiana. The Ohio State University Wexner Medical Center and The James Cancer Hospital are also in-network with Anthem.
| Characteristics | Values |
|---|---|
| Commercial insurance plans that pay for video visits | Aetna, Anthem, Cigna Medical, Cigna Behavioral Health, Medical Mutual of Ohio, OSU Health Plan, United Behavioral Health, United Health Care, in-network Medicare and in-network Medicaid insurance plans |
| Commercial insurance agreement | Anthem Blue Cross and Blue Shield (Anthem) |
| Commercial insurance agreement applies to | Anthem and other Blue Cross and Blue Shield insurance plans that people receive through their employer |
| OSU Health Plan | Available for faculty and staff of The Ohio State University |
| Student Health Services | Contracted with most major commercial insurance plans |
| Student Health Services is contracted with | Ohio State Comprehensive Student Health Insurance Benefits Plan |
| Accepted health plans | Certain Blue Cross Blue Shield Health plans |
| Accepted by Ohio State University Medical Center | Some exchange health plans, Medicare, TriCare, and others |
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What You'll Learn
OSU Health Plan for employees
The OSU Health Plan manages the healthcare benefits offered to faculty and staff of The Ohio State University. Enrolling in the OSU Health Plan means gaining access to a wide variety of health and wellness programs, benefits, and tools.
OSU Health Plan Member Search
You can search for network plan providers at OSU Health Plan Member Search or by calling OSU Health Plan at (800) 678-6269. You may change your medical plan election during Open Enrollment or in connection with certain qualified status changes, including:
- Loss of other coverage for you or your eligible dependents.
- Gaining a dependent as a result of marriage, birth, adoption, or placement for adoption.
- A change in employment resulting in a medical plan contribution tier change, such as changing from part-time to full-time or vice versa.
OSU Health Plan Benefits
The university-sponsored medical plans provide comprehensive coverage and wellness benefits for you and your eligible dependents. All Ohio State medical plan options include preventive care with 100% coverage. Each plan’s provisions vary, so you have flexibility in choosing the option that best suits your needs and those of your family.
OSU Health Plan Coverage
All medical plans provide coverage for the same types of medical services, but the employee contribution rate for each plan varies based on how the plan pays for those services. Prime Care Choice has lower employee contribution rates and has both network and out-of-network coverage for medical services, which are typically subject to a deductible and coinsurance. When services are received in the network, your deductible and coinsurance amount are lower than when you obtain services outside the network.
OSU Health Plan and COVID-19
Anyone who has medical coverage through the OSU Health Plan can receive the COVID-19 vaccine at no charge.
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Traditional Medicare plans
The Ohio State Wexner Medical Center accepts all traditional Medicare plans and Medicare plans with Medigap coverage.
Traditional Medicare, also known as Original Medicare, is a federal insurance program that provides guaranteed health insurance for people aged 65 and over. Younger people may also qualify if they have a disability. The program consists of two parts: Part A and Part B, which were included in a bill signed into law by President Lyndon B. Johnson in 1965.
Part A
Part A helps cover inpatient stays in hospitals and skilled nursing facilities, some home care, and end-of-life hospice care. Most people don't have to pay premiums for Part A because they or their spouse had Medicare taxes withheld from their paychecks for 40 quarters (10 years of work).
Part B
Part B covers doctors' services, diagnostic screenings, lab tests, outpatient care, preventive services, some medical equipment, and transportation. Almost everyone pays a premium for Part B, which is typically $164.90 per month in 2023 and $174.70 in 2024. High earners can expect to pay more.
Using Traditional Medicare
With traditional Medicare, you can use any doctor or provider in the United States that participates in the program. More than 95% of surgeons and 90% of non-pediatric physicians accept Medicare, and you don't need permission to use a specialist. You will have to pay deductibles and copayments for Part A and Part B, and prescription drug coverage is not automatically included.
Medicare Advantage
Medicare Advantage plans are private insurance plans that you sign up for through the federal government. They must provide at least as much coverage as Original Medicare, but they may have different out-of-pocket costs. Advantage plans may offer additional coverage not included in Original Medicare, such as dental, hearing, prescriptions, and vision.
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Medicaid plans
The Ohio State University Wexner Medical Center accepts in-network Medicaid insurance plans. The OSU Health Plan manages the healthcare benefits offered to faculty and staff of The Ohio State University. The OSU Health Plan provides access to a wide variety of health and wellness programs, benefits, and tools.
The Ohio State Wexner Medical Center also accepts all traditional Medicare plans and Medicare plans with Medigap coverage. Medicare Advantage Open Enrollment occurs from January 1 to March 31. During this period, you can switch from a Medicare Advantage plan to Original Medicare or choose a different Medicare Advantage plan.
The Ohio State University offers a range of medical plans for its faculty and staff, including the Prime Care Choice plan, which offers both network and out-of-network coverage for medical services. The employee contribution rate for each plan varies based on how the plan pays for those services. The Prime Care Connect plan is available for individuals with limited household income who meet specific income qualifications and requirements.
The Wilce Student Health Center at Ohio State University is contracted with most major commercial insurance plans. Students can verify their coverage with their insurance provider.
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Commercial insurance plans
The Ohio State University Medical Center accepts a range of commercial insurance plans, including:
Aetna
Aetna is a health insurance provider that offers a variety of plans, including HMO and PPO options, as well as a range of benefits such as coverage for preventative care, hospital stays, and prescription drugs.
Anthem
Anthem Blue Cross and Blue Shield is another insurance provider accepted at OSU. They offer a range of plans, including employer-sponsored plans, and their new contract with OSU ensures patients can continue receiving care without interruption at in-network rates.
Cigna Medical and Cigna Behavioral Health
Cigna is a well-known health insurance company that offers a range of medical and behavioral health insurance plans. Their plans often include coverage for a wide range of services, including hospital stays, doctor visits, mental health care, and prescription medications.
OSU Health Plan
The OSU Health Plan is specifically designed for faculty and staff of The Ohio State University, offering a robust provider network and a wide variety of health and wellness programs, benefits, and tools. This plan also provides access to the Health Literacy Tool, which helps enrollees understand their health insurance and make informed decisions.
United Behavioral Health and United Health Care
UnitedHealthcare is a large health insurance company that offers a variety of plans, including commercial insurance plans accepted at OSU. Their plans typically cover a broad range of health services and may include additional benefits such as wellness programs and telemedicine services.
It is important to note that insurance plans and coverage can vary, so patients should always verify their specific insurance plan's participation and coverage with OSU Medical Center. Additionally, some plans may have co-pays or other out-of-pocket expenses for which the patient is responsible.
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Blue Cross Blue Shield Health plans
The Ohio State Wexner Medical Center accepts all traditional Medicare plans and Medicare plans with Medigap coverage. It also accepts commercial insurance plans, including OSU Health Plan, which is available to Ohio State University employees and their families. Unfortunately, I could not find specific information on whether Blue Cross Blue Shield Health plans are accepted at the Ohio State Wexner Medical Center.
Blue Cross Blue Shield (BCBS) is a trusted health insurance provider with over 90 years of experience. They offer a range of health insurance options for individuals, families, and employers. BCBS members have access to exclusive discounts on health and wellness products and services, as well as a full range of healthcare coverage solutions for those who live, work, and travel internationally.
Blue Cross and Blue Shield of Illinois, for example, is the state's only statewide, customer-owned health insurer. They serve more than 8.9 million members in all 102 counties across Illinois. BCBS of Illinois provides access to one of the nation's largest networks of trusted doctors, hospitals, dentists, and pharmacies. They offer employer, individual, family, Medicare, and Medicaid plans to meet a variety of healthcare needs and budgets.
If you are interested in Blue Cross Blue Shield Health plans, you can visit your local BCBS company website or enter your ZIP Code on their website to explore your coverage options and find the plan that is right for you.
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Frequently asked questions
The OSU Medical Center accepts a wide range of insurance plans, including:
- All traditional Medicare plans and Medicare plans with Medigap coverage
- Tricare
- Medicaid
- Anthem Blue Cross and Blue Shield
- OSU Health Plan
- Aetna
- Cigna Medical
- Cigna Behavioral Health
- United Behavioral Health
- United Health Care
If you are unsure whether your insurance plan is accepted, you should contact your insurance provider to verify. If your insurance plan is not accepted, you will be billed for your visit after the fact.
The OSU Student Health Center is contracted with most major commercial insurance plans. Students should bring their insurance card to each visit to verify coverage.
