University-Sponsored Plan

Why We Like It

Your university's own health plan, typically administered through UHC or Aetna, is often the most seamless option for students who heavily use on-campus health services. Before waiving it for a private plan, calculate whether the on-campus convenience and mental health services justify the cost.

Pros & Cons

Pros

• Fully integrated with on-campus student health center visits
• Enrollment handled automatically through university portal
• Often includes mental health sessions at the campus counseling center at low/no cost

Cons

• Coverage quality and cost varies dramatically between schools
• Often limited network outside the immediate campus area

Score Breakdown

Plans were evaluated on monthly premium cost, network breadth and on-campus coverage, mental health and telehealth services, deductibles and out-of-pocket maximums, and prescription drug coverage.