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Student Health Insurance

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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.  Effective fall 2017, this requirement also applies to students participating in Lewis & Clark Overseas and Off-Campus Programs, both international and domestic.  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.  Students who are graduating cannot extended their insurance beyond the end of the policy period.  (For example, students who graduate in December cannot extend their coverage past December 31.)

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 this 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 who complete the waiver process will not be enrolled in or charged for student health insurance.

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 included with spring coverage.  

Students enrolled in the Graduate School of Education & Counseling:  If you are considering enrollment in the student health insurance plan, please read the information below about benefits, rates, and FAQ’s. Graduate students who wish to enroll in coverage should contact USI NW at 1-800-251-4246 and talk to Patricia Wylie or Cassie Brown.  GSEC students must enroll within 31 days from the effective date of coverage each semester (fall semester deadline is October 1, 2016 and spring semester deadline is February 1, 2017).  It is their responsibility to purchase coverage each semester by the enrollment deadline.   

 

Student Health Insurance Update for 2017-18

Details and premiums for the 2017-18 student health insurance plan have been finalized. You can find the FAQ about this plan here.  

PacificSource will continue to be the carrier for the student health insurance plan.  Benefits in the plan will continue unchanged from the  benefits offered in 2016-17, with the exception that the deductible will increase to $500 in the 2017-18 academic year. (The deductible was $300 in the 2016-17 academic year.)

2017-18 student health insurance rates for Undergraduate and Law Students

Fall Coverage (8/15/17 through 12/31/17):           $1275.50

Spring Coverage (1/1/18 through 8/14/18):          $1275.50

More information about the Undergraduate and Law Student plan can be found here.

2017-18 student health insurance rates for students enrolled in the Graduate School of Education & Counseling (GSEC)                

Fall Coverage (9/1/17 through 12/31/17):           $1630

Spring Coverage (1/1/18 through 8/31/18):        $1630

More information about the GSEC Student plan can be found here.  

Specifics about the 2016-17 Student Health Insurance Plan

Effective August 15, 2016, for undergraduate and law students, and effective September 1, 2016 for GSEC students, PacificSource is our student health insurance carrier.  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.  To review highlights of the two student health insurance plans, click on the links below:  

Insurance Premiums

The premiums for the student health insurance plan for 2016-17 are listed below.  

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.

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 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.” 

Submitting a claim

Instructions on how to submit a claim for healthcare expenses to PacificSource can be found here.  

Dependent Coverage

Coverage for dependents of Lewis & Clark students is no longer available.  Very few students used this coverage, and alternative coverage is available through the insurance marketplace (see http://www.oregonhealthcare.gov).   For more information about finding dependent coverage, click here.

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:  Contact Laura Mundt at 503-768-7160 or lmundt@lclark.edu.

 

 

 

 

Student Health Insurance

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