Student Health Insurance

Information about benefits, costs, and effective dates for the 2021-22 Student Health Insurance Plan



COVID-19 Coverage, Updated December 16, 2021
The student health insurance plan previously waived cost-sharing for all COVID-related expenses with in-network providers through December 31, 2021. This means that through December 31, 2021, there is no expense to subscribers for COVID diagnosis, testing, vaccine, boosters, or treatment of COVID-19, when they  are treated by an in-network provider. 
PacificSource has issued the following update for services on or after January 1, 2022:

Covid prevention costs you $0

PacificSource will continue to cover the following COVID-related services, including those that are provided in an office setting, urgent care, or emergency room. The services below will continue to cost students enrolled in the student health insurance plan $0:

  • Vaccinations
  • Vaccine boosters
  • Testing and antibody testing
  • Diagnosis of COVID-19

Covid treatment cost-share update

The member cost-share waiver for COVID-19 treatment will expire at the end of 2021. Beginning January 1, 2022, members will be responsible for any deductibles, copays, and/or coinsurance for the treatment of COVID-19 according to the plan benefits.

Note about Idaho members: Due to Idaho Dept. of Insurance guidance, PacificSource will be extending this treatment coverage cost-share waiver past January 1, 2022.

When receiving services, students may be asked to show their PacificSource member ID. This is because there may be administration fees billed by providers that PacificSource will need to pay.


Contact PacificSource if you have any questions about COVID-19 prevention or coverage for treating COVID-19.  For more detailed information, you can also visit the PacificSource COVID-19 FAQ webpage.  


The PacificSource provider network includes more than 46,300 in-network practitioners and facilities in Idaho, Montana, and Oregon, and in Clark, Cowlitz, Klickitat, Pacific, Skamania, and Wahkiakum counties in Washington.  If student subscribers need care outside of these network areas, a robust national network of providers is available through the First Health, First Choice and First Choice Heath networks.

Visit this website to find an in-network provider in the United States.  If you are looking for a provider outside of Oregon, Washington, Idaho, or Montana, be sure to search for providers using the links for the First Health, First Choice, or First Choice Health networks.

If you are an Undergrad or Law student and have NOT been enrolled in student health insurance, but have recently lost health insurance coverage, and you are thinking you might want to enroll in the student health insurance program, please contact Kerry Barnes in Student Accounts by emailing or calling 503-768-7830.  Email is the preferred method of contact.

If you are a GSEC student and have NOT been enrolled in student health insurance, but have recently lost health insurance coverage, and you are thinking you might want to enroll in the student health insurance program, please contact PacificSource directly. 

Specific questions about your coverage?  Call PacificSource at 541-225-2741 or 855-274-9814.

All degree-seeking and visiting undergraduate and law students are required to have health insurance that is comparable to the student health insurance plan offered by the College.*  Students enrolled in the Academic English Studies program are also held to this insurance requirement.  This requirement also applies to students participating in Lewis & Clark Overseas and Off-Campus Programs, both international and domestic.

*Law students enrolled in the distance learning LLM program are the sole exception to this requirement.  These students are not required to have health insurance, and are not allowed to enroll in the student health insurance program.

*If you are a visiting student from Hoksuei Gakuen, Waseda, SACM, the Embassy of Kuwait, Rikkyo or Konkuk, you will have health insurance coverage through your sponsoring organization so you will not be enrolled in student health insurance.  You do not need to complete a waiver. 

Lewis & Clark does NOT enforce a health insurance requirement for students in the Graduate School for Education and Counseling (GSEC), though GSEC students are strongly encouraged to have health insurance. GSEC students may voluntarily enroll in the student health insurance program.

With the exceptions identified above, all degree-seeking and visiting undergraduate and law students are automatically enrolled in (and charged for) student health insurance.  However, if these students have other health insurance coverage that is comparable** to the student health insurance plan, they may waive enrollment in the student health insurance plan.  Undergraduate and law students have just one opportunity at the start of each academic year to complete their online waiver and decline coverage for the academic year. (Students participating in an Overseas and Off-Campus Program should click here to learn about the additional waiver options that apply to them.)  Students who complete the waiver process will not be enrolled in or charged for student health insurance.   

**Please note that Oregon and Washington Medicaid participants generally qualify to waive enrollment in the student health insurance program, but Medicaid participants from other states often do NOT qualify to waive student health insurance.  For individuals with Medicaid outside of Oregon or Washington, please click here for more information.

Note:  The above information applies to fall and spring semester only.  Students attending summer session are NOT required to have health insurance, although it is strongly encouraged.  For students enrolling in student health insurance, summer coverage is automatically included with spring coverage.

Information about benefits and costs for the 2021-22 Student Health Insurance Plan


Recording: Health Insurance Webinar August 2021

For students who are graduating:

Please note that students who are graduating cannot extend their insurance beyond the end of the policy period.  (For example, students who graduate in May cannot extend their coverage past August 14.)  

What LC Families with Kaiser HMO Need to Know

Looking for a specific provider in the PacificSource network?

PacificSource has a robust provider panel, both in Portland and nationally.  To find out if a provider is in-network with PacificSource, visit and select ‘Find a Doctor’. This link will allow you to search a variety of providers and facilities, not just “doctors.” 

Dependent Coverage

Coverage for dependents of Lewis & Clark students is no longer available.  Coverage is available through the insurance marketplace (see  

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; and issues with students getting into the waiver system:  Call Mike Pigou (503-417-9235) at USI Northwest. 
  3. Questions about billing for the student health insurance program; requests for changes to coverage (enrollment or waivers) based on qualifying life events, E-mail Kerry Barnes at
  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:  Contact or 503-768-7160.