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Student Health Insurance

If you are a current subscriber, please click here for information on the 2015-16 student health insurance plan through Regence.  
 

Information on the 2016-17 Student Health Insurance Plan

Each spring, Lewis & Clark works with our insurance broker to evaluate our student health insurance plan and set rates for the coming academic year.  This spring Regence BlueCross BlueShield of Oregon (our current insurance carrier) quoted a price increase of 46% for next year to retain our current benefits structure.  Such an increase was not acceptable to Lewis & Clark, and so we have been working to find an alternative health insurance solution for our students. To arrive at a final solution, there were many discussions with stakeholders, including student, faculty and staff representatives of the Student Health Advisory Board from all three schools.  In these discussions, stakeholders expressed the importance of maintaining students’ access to health care next year, even in light of higher premiums. 

The final decision was difficult.  In the end, after much dialogue and thoughtful consideration, we have selected PacificSource to replace Regence BlueCross BlueShield as our student health insurance carrier effective fall semester 2016.  PacificSource is a trusted carrier with a robust local provider network, and connections to provider networks across the country.  We feel confident PacificSource will offer a quality insurance program to our students.   

The benefits from the current student health insurance plan will continue through the end of the current spring/summer policy period with Regence BlueCross BlueShield as our carrier. However, there will be changes to the benefit structure in the fall.  These changes will be effective August 15, 2016 for undergraduate and law students and September 1, 2016 for students in the Graduate School of Education and Counseling (GSEC).  These changes are necessary so that we can limit next year’s price increase to 10.5%.

To review highlights of the two student health insurance plans, click on the links below:

A document answering frequently asked questions can also be found here:

As part of the negotiation to reduce costs, here are some of the key changes that will be coming to our student health insurance plan, to be effective in fall 2016:   

  • There will be a change in the provider network.  However, our research indicates very few students will be impacted by the change, because the PacificSource network is very broad—both locally and nationally.  To find out if a provider is in-network with PacificSource, visit https://www.pacificsource.com/studenthealth/ and select ‘Find a Doctor’.   This link will allow you to search a variety of providers and facilities, not just “doctors.”  (Please note that the rest of this webpage is under construction.  We appreciate your patience as the work on this page progresses.) 
  • The deductible will go up from $100 this academic year to $300 next academic year.  In addition, there will be an out-of-network deductible next academic year of $900.  The out-of-pocket maximum will increase from $2600 this year to $3500 next year for in-network providers. An out-of-network out-of-pocket maximum of $10,500 has also been added for next year.  Deductibles and out-of-pocket maximums will be tabulated separately for in-network and out-of-network providers.
  • Students will experience improved benefits related to diagnostic and therapeutic radiology and lab, where the first $400 of eligible services will be covered at 100%, and not be subject to the deductible.  After the first $400, eligible services will be subject to the deductible followed by 20% coinsurance for in-network providers. 
  • Next year’s plan will continue to have the same price levels for generic, preferred and non-preferred medication.  A fourth price tier of $75 will be added for “specialty” medications.
  • Specialist visit copays for in-network providers will increase from $20 to $40. 
  • The co-pay for Emergency Department visits will increase from $150 to $200. 
  • Coverage for dependents of Lewis & Clark students will no longer be available.  Very few students used this coverage, and alternative coverage will be available through the insurance marketplace (see http://www.oregonhealthcare.gov).   For more information about finding dependent coverage, click here.

The premiums for the student health insurance plan for 2016-17 are listed below.  They represent a 10.5% increase from this past year. 

Undergraduate/Law Student

Annual

Fall Semester 2016

Spring/Summer 2017

Total Premium:

$2,402

$1,201

$1,201

GSEC Student*

Annual

Fall Semester 2016

Spring/Summer 2017

Total Premium:

$3,153

$1,576.50

$1,576.50

*Please note that, as in past years, the rates for GSEC students are higher because GSEC students must opt-in for coverage, and there is no health insurance requirement for GSEC students.   This results in very few students from the Graduate School enrolling in the insurance program, and these students consistently have higher claims.

Again, all of the above changes were made to avoid a premium increase of 46% that had been quoted to us by our current insurance carrier. 

Additional specifics about next year’s student health insurance program will be posted on this webpage as they become available.   

Questions can be directed to John Hancock, Associate Dean of Students for Health and Wellness (hancock@lclark.edu).

FOR MORE INFORMATION

1) Specific questions about your coverage, call PacificSource at 541-225-2741 or 855-274-9814.

2) Questions or concerns about particular claims; what is covered; conflicts/concerns with PacificSource; issues with students not receiving their insurance cards; and issues with students getting into the waiver system, call Patricia Wylie at USI Northwest: 503-295-6357.

3) Questions about billing for the student health insurance program; requests for late waivers; requests for spring (paper) waivers based on a qualifying life event; and requests to rescind waivers: Call Cheri Blatner at 503-768-7826.

4) Questions or petitions regarding a) comparability of a student’s/family’s coverage, and whether it meets our waiver criteria, or b) continuation of a student’s coverage after they leave the college:  Call John Hancock at 503-768-7160.

 

 

 

 

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