Campus Health Solutions and Student Insurance Consulting by HORAN-Dayton
                     Campus Health Solutions 
and 
Student Insurance Consulting
HORAN
Campus Health Solutions
Health care is essential today more than ever. Colleges 
and universities need bold innovation backed by data to 
help their students and campuses thrive. We integrate a 
total campus approach to student insurance with 
comprehensive services to achieve superior physical, 
behavioral, mental and academic results for your 
students and employees. Your institution will experience 
reduced administrative burden, better efficiency, lower 
costs and increased plan engagement.
Download the 
HORAN Campus Health Solutions E-Guide to learn the 
key components for offering a robust student health plan. 
.
HORAN
7475 Paragon Rd 
Dayton OH 45459
937-610-3700
https://horanassoc.com/
Start or Upgrade Your Student Health and 
Wellness Program on Campus
To say the year 2020 was unexpected is an understatement. The COVID-19 
global pandemic disrupted every industry and ecosystem, accelerating 
change to meet increasingly urgent emerging needs.
In-person interaction-heavy environments like colleges and universities felt 
the unprecedented risks of COVID-19 acutely. Suddenly, student health and 
wellness was thrust to the forefront of campuses across the country. Most 
colleges and universities are continuing to navigate these new challenges on 
campus.
The American College Health Association (ACHA)'s survey, 
"The Impact of COVID-19 on College Student Well-Being," found rates of 
depression sharply increased from fall 2019 to spring 2020, and more 
students than ever reported experiencing poor mental health. 
According to the New York Times, as of December 2020, more than 
397,000 COVID-19 cases and 90 deaths on campuses were reported since 
the pandemic began.
With student mental and physical health increasingly at risk, many campuses 
are asking: how can we better address our student health and wellness 
needs?
Start the Student Wellness Conversation Here…
If your campus has no student health insurance program (SHIP) or limited 
benefits, you need to start with the basics. Ask yourself the following 
questions to get a picture of your current and future needs:
1.)  What are our campus demographics (gender, age, home zip/country, 
etc.)? You need a clear picture of your campus demographics to gain quotes 
from health insurance providers who can offer cost-effective coverage for your 
campus. Gathering quality data is the first step to assessing and satisfying 
your campus health needs.
2.)  Do we want to offer a hard waiver or mandatory health insurance 
option for our student population?
This essentially asks whether you want students to be automatically enrolled 
in a campus health insurance plan (mandatory) or if you'd like to offer 
students the opportunity to provide proof of health insurance and, if not 
provided, enroll them in a campus plan (hard waiver).
Your approach may depend on your student population's current coverage 
status, campus size or other factors. An experienced consultant can help you 
navigate your options to determine the best path for your unique needs. 
3.)  What services do we offer and how do we charge students for these services? For 
many campuses, the Campus Health Center provides certain services to students. Some 
campuses bill students via ledger, while others do not. Some campuses want all health claims 
to go through a campus insurance provider, while others only run claims for services outside 
the campus health center. Work with a quality consultant to determine what works best for 
your campus environment.
4.)  What are the needs of each student population group on campus? Depending on the 
campus, you may have international students, graduate students, student-athletes or a large 
commuter population, among other significant student groups. How are each student group's 
unique needs the same or different from others, and how should you structure coverage and 
services to meet those needs?
We work alongside campuses to reduce administrative burden and time, increase efficiency, 
lower cost and improve plan engagement. See what we've done with 
our current partnerships here.
Let us help make your campus a happier, healthier place. Get in touch with Chris Mihin, 
Vice President and Managing Principal of HORAN Campus Health, at 
[email protected] or 513.702.3707 or 
fill out a simple contact form to get more information.
Read more……
Campus Insurance Program for Students: How 
Does Yours Compare?
Authored by HORAN Campus Health Solutions
University health plans are becoming more important for students. 
Health and wellness are critical for academic success, and 
insured students tend to be healthier than their uninsured counterparts.
Student health insurance plans offered through colleges and universities 
provide benefits that are more affordable for the average student, compared to 
comparable plans on the open market. Sadly, not all student health insurance 
options are created equal.
How does your campus healthcare program stand up?
To be competitive in today’s market, your student health plan should provide a 
variety of important benefits, including affordability, comprehensive plans 
designs, and a wide network of providers to give coverage to students 
regardless of their distance from campus or from home.
And that’s just the beginning. Here are some other points of comparison you 
may want to think about if you want to offer the best 
university health insurance program.
Health Insurance Standards Increasing for University Students
Students and their families have done their homework, and many are cognizant 
of what is available with regard to campus healthcare. With rising health 
insurance costs around the nation, parents of college-age students are 
comparing and contrasting the plans that will 
keep their children healthy and in school.
Characteristics of the Best Student Health Insurance Plans
Step right up and measure your campus healthcare program against the following checklist. 
The ideal program will be attractive enough to draw new students to your college or 
university while providing students with a seamless experience whenever health care is 
needed. Here are some other points to think about as you conduct your campus health 
insurance comparison.
Health Benefits
Competitive healthcare plans now offer 100% coverage for preventive care when an in-
network provider is chosen.
Cost Benefits
Student health insurance plans obtained through colleges and universities often give 
benefits that are more affordable than comparable plans on the ACA open market. Many of 
these plans go for $2,000 to 4,000 per academic year, according to the New York Times.
Wide Network of Providers
A sizable number of health plans offered by today’s colleges include a national network of 
healthcare providers and pharmacies. The policies provide coverage regardless of the 
distance from campus or from home.
Many plans are aligned with the university’s Student Health Services, allowing for on-
campus care. Students can also be referred to appropriate in-network providers off-campus 
for more extensive or continuous care.
Mental Health
Mental health issues are on the rise for many college students. Some insurance providers 
offer health plan access to expert behavioral health support for college students. These 
services help students manage stress and other common problems that detract from their 
wellness and academic success.
Comprehensive Plans
The best university health plans are customized to meet the needs of the campus’s student 
body as a whole. The policies provide a wide range of services, such as preventive care, 
doctor visits, accidental injury, hospitalization, outpatient surgery, diagnostic benefits, and 
prescription drug coverage.
Wellness Discounts
A good health care plan for universities and colleges would allow students to receive 
discounts on a range of health and wellness services, as well as products. Examples 
include savings on services like fitness club memberships, dental care, nutritional 
counseling, vitamins, and health-related books.
Telehealth Services
Last but not least, many campus insurance plans give students the ability to phone doctors, 
nurses, and other medical professionals with no need for a consulting fee. This gives 
students round-the-clock access to diagnostics for minor illnesses, such as allergies and 
sore throats. Doctors can also prescribe medications, which can be sent to the student’s 
pharmacy of choice.
Are Your University Healthcare Coverage Options Lacking?
Continue reading….
Use Personalized Health Insurance Options to 
Help Your Campus Thrive
To help students across the country live healthier lives, colleges and universities 
have a chance to enact lasting change by offering a personalized health insurance 
experience and options.
Let’s take a more detailed look into what one of these plans might look like, and 
how offering a tailored health program can help your campus thrive.
What is a Personalized Health Insurance Experience for Students?
The primary goal of a personalized health insurance experience is to help students 
keep their healthcare costs in check while providing them with the resources and 
care needed to maintain optimum health.
Having a competitive student insurance plan available ensures more students 
arrive on campus with adequate health insurance, which is a major concern of 
college administrators. Students are afforded the option to choose a plan that is 
tailored toward the university demographic, an individual plan, or they may be 
eligible for a group plan through a parent or spouse.  
How Does a Student Health Insurance Plan Compare to an ACA Marketplace 
Plan?
Health Benefits
A student health insurance plan allows students to evaluate the plan design and 
network to determine if it provides coverage and convenient access to the benefits 
they will utilize most often. A person with chronic health issues like asthma or 
diabetes will need distinct coverage from an individual who is otherwise healthy. 
An ACA marketplace plan offers generalized care with benefits designed to fit most 
people, leading to a potential mismatch.
Cost Benefits
Student health insurance plans are designed to be affordable for individuals 
starting from scratch. They are made to be more affordable than the average plan 
on the ACA marketplace, which is good news for students who are traditionally low 
on resources. In fact, some parents find that signing their children up for a campus 
student health insurance plan is less expensive than adding the child as a 
dependent on their own health plans.
Nationwide Provider Network
A prime benefit of customized student health plans is the availability of in-network 
healthcare providers and pharmacies nationwide. This gives students access to 
personalized medicine and adequate care no matter how far away they are from 
campus. ACA marketplace networks don’t always cast as wide a net when listing 
their in-network healthcare services.
“
Wellness Discounts
A good majority of tailored student insurance plans now include discount programs. By 
enrolling in a plan, students earn savings on a wide range of health and wellness
 products and services, like dental care, vision care, vitamins, and books. ACA 
marketplace plans often give you coverage and little else as a side benefit.
With a campus-wide insurance program, your campus will be sure to thrive. That means 
students will have the tools they need to manage their intellectual, psychological, and 
interpersonal well-being while enrolled in your college. It is the synergistic coming together 
of all those elements that leads to improved academic performance, better future prospects 
for students, and higher enrollment each semester.
Patch Up the Uninsured Gaps
The age cut-off for students to remain as dependents on their parents’ health insurance 
plans ensures that young people get the affordable healthcare they need when a college or 
university health plan is not available. But what about those who turn 26 and don’t have a 
student health plan to turn to? Many of these individuals may go without insurance and 
stay uninsured into adulthood.
According to a 2019 American Community Survey (ACS), young people aged 19 to 34 had 
the highest uninsured rates out of any other group in the U.S.
This is your chance to help all students achieve insured status. Because not having health 
insurance can be detrimental to one’s academic success. A lack of insurance or poor 
coverage can lead to untreated illness and financial stress that doesn’t bode well for higher 
learning excellence. This is why giving students access to a health program where they call 
the shots allows them to live up to their true potential.
Read more….
5 Ways College Administrators Can Improve the 
Health and Wellness of Their Students
Authored by HORAN Campus Health Solutions
Happy college students make for a happy college campus. And while many factors 
contribute to a person’s happiness, one’s overall health and wellness play an 
outsized role. From an administrative level, colleges and universities are uniquely 
poised to improve the health and wellness of their students, contributing to a 
happier student population and a more positive campus experience. 
In the 2018–2019 academic year, there were approximately 22 million 
undergraduate students in the U.S. Among those students, only 41 percent rated 
their health as “very good,” and only 55 percent saw their institution as prioritizing 
their health and wellbeing. What would your campus population say about your 
health and wellness priorities and coverage? 
To help tip the scales in your favor, we’re here with 5 ways your administration can 
improve the health and wellness of your students.  
1. Offer a student health insurance plan that is economical yet 
comprehensive 
One of the most direct and quantifiable ways to improve the health and wellness of 
your students is to offer a campus health insurance plan that prioritizes 
comprehensive coverage for services they want at a premium they can afford. 
Ensuring students have immediate and convenient access to quality care built 
around their lifestyle and needs presents for them the opportunity to take charge of 
their own wellbeing, and it sends a resounding message that your administration 
values their health and happiness. 
Now, ensuring students take advantage of the health services and coverage 
available to them is another matter entirely. About 75 percent of students opt out of 
their campus health insurance plan, the reason for which could be as complex as 
eligibility or preference, or as simple as access to other adequate coverage or a 
lack of awareness. To remedy the latter, education is key. Consider informing 
students about their options in ways they will resonate, such as through 
gamification, apps, or other interactive tools. By empowering students to take 
advantage of healthcare services on campus, you encourage them to be proactive 
about their own health and, in turn, improve their overall wellbeing and that of your 
campus as a whole. To learn more about how to get started, download our “
eGuide to a Robust Student Health Insurance Plan.” 
2. Understand your students and their needs 
Before you can begin exploring coverage options 
for your students, you must first understand who 
they are and what they need. Diving into the 
demographics of your campus is the best place to 
start. Aside from basic data points such as age, 
gender, and home zip codes, you’ll also want to 
consider information about student population 
groups (like student athletes or international 
students), the services currently offered at your 
health center, and which of those services 
students are and are not taking advantage of. An 
expert consultant can be an invaluable resource in 
helping you gather and analyze the data that will 
inform your campus health plan. 
3. Prioritize mental health services 
While college students have long been predisposed to mental health conditions like anxiety, 
depression or suicidal thoughts, the coronavirus pandemic has only worsened the state of 
mental health among young people. As we reported in last month’s blog post, 
83 percent of college students say mental health challenges affected their performance one 
or more days in the last month, yet more than half of students say they wouldn’t know where 
to go if they or someone they knew needed professional help. This alarming statistic paints a 
clear picture of a gap in a crucial service college students need now. By increasing the 
availability of mental health services on your campus—and by educating students on where 
and how they can access them—you’ll make a direct impact in the lives of your students and 
improve the health and happiness of your campus population. 
4. Provide comprehensive health services that meet students where they are 
Where do students spend a bulk of their time? Behind their laptops or mobile devices. Much 
like many students prefer virtual learning and office hours to in-person classes or visits with 
their professors, many also prefer telehealth visits to meeting with a healthcare provider on-
site. When it comes to mental health issues especially, students are much less likely to get 
the care they need if they’re required to show up in person. In fact, more than 
two-thirds of college students say they are struggling with mental health today, yet less 
than 25 percent are directly seeking out care. Telehealth services can be an effective way to 
increase student access to healthcare services, while also combating the stigma associated 
with mental health care. With telehealth options, students can visit with a care provider from 
the privacy of home, at a convenient time between classes, work, and other responsibilities. 
On-campus kiosks that offer over-the-counter medications are another way to ensure students 
can more readily access healthcare without interrupting their busy schedules. 
Read more….
HORAN
7475 Paragon Rd 
Dayton OH 45459
937-610-3700
https://horanassoc.com/
About us 
HORAN provides legendary service, employee benefits 
consulting, wealth management and life insurance for both 
corporate and individual clients.
For over 70 years, HORAN has served as a trusted advisor and 
thorough planner in the areas of life insurance for estate and 
business planning, employee benefits consulting and wealth 
management.
With offices in Cincinnati, Columbus and Dayton, Ohio; and Ft. 
Mitchell, Kentucky, HORAN serves both corporate and individual 
clients in 48 states. HORAN has a strong regional presence with 
a national footprint. We bring the best services, resources and 
value to our clients through premier national partnerships with M 
Financial Group, United Benefit Advisors and Retirement 
Planning Advisory Group.
Our integrity, commitment to excellence and industry knowledge 
are foundations upon which HORAN has built a reputation for 
delivering high quality products and services.