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Health Insurance

What kind of insurance does OCU offer to its students?

OCU has a Student Health Insurance Plan (SHIP) administered by BancFirst Insurance Services dba Wilcox & McGrath Insurance (WMI). The policy is with United Healthcare. Students on the SHIP pay a $500 deductible per policy year, and then United Healthcare will cover 80% of a covered injury or illness for in-network care. Deductible and co-insurance (20%) are waived for services at the Campus Health Clinic.

For the schedule of benefits, limitations, exclusions, and dates, click one of the links below:

Domestic policy

International policy

What is the Student Health Insurance Plan Waiver?

For all Domestic students: In compliance with the Affordable Care Act, Oklahoma City University now requires that all students maintain student health insurance coverage as a condition of enrollment. The insurance fee for the Oklahoma City University SHIP (Student Health Insurance Plan) will be added to your student account upon enrollment in the plan each semester.

If you already have health insurance coverage that meets the University’s requirements, there is a SHIP waiver available, which will allow you to waive the University’s SHIP and maintain your current insurance coverage. Please follow the instructions below to apply for the SHIP Waiver or to enroll in coverage. You will need an electronic copy of your insurance card (front and back) when applying for the waiver.


Go to and type Oklahoma City University on line for school’s name.

You will need: Date of Birth and Student ID number.

For questions about billing, contact Student Account Services at (405) 208-5146. For questions about what health services the insurance covers that will be offered at the OCU Student Health Clinic, please contact the Office of Student Health at (405) 208-5090, or send an email.

Health Insurance Tips

  • Show your health insurance ID card to all healthcare providers before seeking treatment. This means you need to carry your health insurance card with you at all times.
  • Students on the SHIP:
    • Should use the Campus Health Clinic for all non-emergency illness or injuries before seeking treatment elsewhere. Most injuries and illnesses can be fully addressed at the Campus Health Clinic at no cost to the student.
    • If you receive any bills or letters about medical care or health insurance, bring them to the Campus Health Center immediately. Bills that have gone to a collection agency are the student's responsibility.
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