Insurance

Welcome to Oregon State University! 

We have a strong institutional commitment to academics, student growth, and the development of individual responsibility. To further these goals, the university embraces the concept that catastrophic financial risks while attending the university should be minimized.

For new students and families

All students are strongly encouraged to have some form of health insurance. Proof of health insurance is required for international students. SHS also offers student health insurance.

We recommend adequate health insurance coverage

At this time international students are required to enroll in the OSU insurance plan. OSU requires that all non-resident international students and their dependents (living in the United States) be covered by health insurance. The health insurance must meet federal, state and OSU requirements (OAR 576-025-0020). For more information on adding a dependent to your OSU health insurance, contact the Student Health Insurance office at 541-737-7600.

Graduate assistants, graduate fellows, and postdoctoral scholar and fellows have a separate mandatory health insurance plan through their appointment or fellowship. 



Read more about the insurance plans available to students:

ASOSU insurance subsidy: All students who enroll in the OSU international or domestic plans qualify to apply for the need-based insurance subsidy offered by ASOSU (Associated Students of OSU - student government). The insurance office does not run this subsidy but we feel it is important for students to know that it is available. The deadline to apply for this subsidy is the third Friday of the term, and the insurance charge must be paid in full by the deadline for students to be eligible.

Students With Private Health insurance 

COBRA insurance options

COBRA stands for Consolidated Omnibus Budget Reconciliation Act of 1986. The COBRA Continuation Plan is for the person who no longer has an assistantship, fellowship or scholarship at OSU, or has graduated. The COBRA Continuation Plan is the same PacificSource insurance plan you have been on, but is managed by PacificSource Administrators, Inc. You will be responsible for paying 100% of the premium costs to PacificSource Administrators, Inc.

Administered through PacificSource Administrators, Inc.
Address: P.O. Box 71096, Springfield, OR. 97475
Phone: (877) 355-2760 Fax: (541) 225-3684
Email: cobra@pacificsource.com

COBRA 2016-17 plans

Employee only - $332.03
Employee/spouse/partner - $697.38
Employee/child(ren) - $587.75
Employee/family - $953.06

Enrollment process

  1. OSU Student Health Insurance office will be notified of termination and will send your information to PacificSource Administrators COBRA within 30 days of termination.
  2. PacificSource Administrators COBRA will mail an enrollment packet to you.
  3. Complete the enrollment form and mail it with the payment to PacificSource Administrators COBRA within 45 days of receiving your enrollment packet. Once received and processed, your insurance will star the first dya of the month following the termination of the active plan.

Please be aware the COBRA enrollment is not automatic. The enrollment form and payment must be received by PacificSource Administrators COBRA by the deadline to be enrolled in the COBRA insurance.

For questions, call the OSU student health insurance office at (541) 737-7568.

Contact us

OSU Student Health Insurance Office 

110 Plageman Bldg (Student Health Services) 
Corvallis, OR 97331

General insurance questions: 541-737-6748
PacificSource Graduate, Postdoctoral, Fellow Insurance: 541-737-7568
Aetna Domestic and International Student Insurance: 541-737-7600
Fax: 541-737-7914
Email: osustudent.insurance@oregonstate.edu

Office Hours

During term: Monday-Friday 9 a.m.-5 p.m. 
Between terms: Monday-Friday 9 a.m.-12 p.m. 
Legal Holidays: Closed holidays

Domestic Student Insurance Plan

What is covered?

The OSU Domestic insurance plan is a major medical plan covered by Aetna Student Health Insurance that reimburses 90 percent of covered services, and 90 percent of prescriptions (filled at SHS pharmacy), with unlimited coverage per accident or illness, per year. There is a $300 deductible if care is received off campus (away from Student Health Services).

Who is eligible?

  • Domestic students (legal citizens of the U.S.);
  • Enrolled for the minimum number of credits on the OSU or Cascades campus - undergrad 6 credits, graduate 3 credits
  • Paying the Student Health FeeThe Student Health Fee is usually charged with tuition and fees upon registration. Please note: The Spring Term insurance purchase covers all the way through Summer Term. Students who were enrolled at OSU the previous Spring Term AND who will be registering for Fall Term, but do not take summer classes, can still access services at SHS by paying the health fee for summer term.

What does it cost?

Academic Year 2016-17

  • $486.33 Fall Term
  • $486.33 Winter Term
  • $486.34 Spring/Summer Term (purchase of spring lasts through summer term at no additional charge)
  • $343.76 Summer Term ONLY

Coverage for dependents is available at an additional cost. Costs listed below are per term - fall, winter, and spring/summer.

Student + spouse/domestic partner - $952.66
Student + child - $952.66
Student + children - $1418.89
Student + child + spouse - $1418.99
Student + children + spouse - $1885.32

How do I enroll and pay?

It’s easy. Just go to the Aetna student health wesbite 

Review the Plan Design and Benefits Summary for Policy Year 2016/2017

Select “Enroll Now” and continue the steps as directed.

Payment for the Health insurance is due at the time of enrollment and is made directly to Aetna Student Health Insurance.  Aetna accepts Visa/MasterCard, Discover Card, American Express and Electronic Checks.  Need help? Just call 1-800-683-7299. Someone can help you Monday to Friday from 8:30a.m. to 5 p.m. ET.

What if I lose my Aetna insurance ID card?

You can print a replacement ID card on the Aetna website by following these steps:

  • Go to www.aetnastudenthealth.com and type "Oregon State University" in the "Find Your School" search box.
  • On the right-hand side of the screen select "Print Your ID Card."
  • Enter your OSU ID number and your date of birth; click "View Card."

How is Aetna Insurance billed for my services at SHS?

The SHS Billing Office will bill Aetna for all billable services. When payment is received from Aetna any patient balance will be applied to your student account. This process can take up to 30 days from date of service. For billing questions, please call 541-737-8370.

Who can I contact if I have more questions?

OSU Student Insurance Office 
110 Plageman Bldg. 
Corvallis, OR 97331 
Phone: 541-737-7600 
Fax: 541-737-7914
Email: OSUStudent.Insurance@oregonstate.edu

International Student Insurance Plan

What insurance is required to attend OSU?

Non-resident international students must be covered by health insurance which meets the U.S. Government visa requirements and Oregon State University standards. Insurance for family members is also available at additional cost.

OSU requires all international students registered for a minimum of 1 on-campus credit to enroll in the OSU International Student Insurance Plan.

Does OSU have an insurance plan which meets the requirements? 

Yes. The OSU Student Health Insurance plan for international students provides affordable coverage for students. The cost for one term of the 2016-2017 academic year is $486.33 per student (costs differ for visiting scholars and INTO-OSU General English students).

When can I enroll?

Key dates:

  • Open enrollment: Open enrollment period ends the third Friday of each term. (Winter term: January 27, 2017)

What to do before open enrollment ends:

  • Submit a completed enrollment form.
  • Add any dependents.
  • Make payments.
  • Complete a waiver form, if desired.

The open enrollment period officially ends the third Friday of each term. You should submit a completed enrollment form, add dependents if desired, and make payments to the insurance office by the end of the period. You may only enroll during an open enrollment period, unless you experience a Qualifying Event such as loss of previous insurance coverage, birth/death, marriage/divorce, etc. You should submit a completed waiver form to waive out of the OSU International plan no later than the last published date of the open enrollment period to have the charge removed from their account. No late waivers will be accepted.

How do I enroll?

All international students who are registered for at least 1 credit hour on campus in Fall, Winter and/or Spring terms will be automatically charged for the OSU International Health Insurance.

Payments by credit card, check or cash must be made in the SHS Insurance Office by the third Friday of the term to avoid a "Registration Hold" on your student account.

If you have other insurance, you may submit a waiver and a summary of the insurance for approval no later than the last published date of open enrollment.

If approved, the charge will be removed. If you would like to add a dependent(s), you will need to come to the Student Health Insurance office to complete the necessary paperwork before the end of the enrollment period.

Enrollment and waiver forms are available at the Student Insurance Office or in the forms section.

How do I pay for the health insurance charge on my student account?

All payments for the mandatory health insurance must be made either online at mybill.oregonstate.edu or at the Kerr Administration Building.

Kerr Administration accepts cash and check payments only. Please let the cashier know that you want to pay for the insurance premium if you visit Kerr.

Online payments with a credit card are not preferred, as you can't allocate funds to the insurance charge. For additional information regarding paying for the health insurance please access the OSU Cashiers website at Cashier's Office Payment Information.  

Waiver requirements

You must have UNLIMITED medical coverage for accidents and illness. Requirements for both Repatriation of Remains and Medical Evacuation will each need to have a minimum of $50,000 in coverage.

If you are purchasing your own health insurance coverage, please verify the policy meets ALL requirements. Make sure to read your policy benefits and exclusions. Both men and women are required to have coverage for pregnancy within the policy.

NOTE: Student Health will no longer accept travel insurance for waiver submission as a substitute for our International Medical Health Insurance.

Can family members be insured on the OSU plan?

Yes. OSU requires that all non-resident international students and their dependents (living in the United States) be covered by health insurance. The health insurance must meet federal, state and OSU standards. Insurance for family members is also available at additional cost. Because family members are not students, they cannot use Student Health Services on campus but they can see other doctors in the Corvallis area. Refer to the forms section for the cost of adding family members to your plan.

For more information on adding a dependent to your OSU health insurance, contact the Student Health Insurance office 541-737-7600.

What if I lose my Aetna Insurance ID card?

You can print a replacement ID card on the Aetna website by following these steps:

  • Go to www.aetnastudenthealth.com and type "Oregon State University" in the "Find Your School" search box.
  • On the right-hand side of the screen select "Print Your ID Card."
  • Enter your OSU ID number and your date of birth; click "View Card."

How is Aetna Insurance billed for my services at SHS?

The SHS Billing Office will bill Aetna for all billable services. When payment is received from Aetna any patient balance will be applied to your student account. This process can take up to 30 days from date of service. For billing questions, please call 541-737-8370.

Who can I contact if I need more information?

OSU Student Insurance Office
110 Plageman Bldg.
Corvallis, OR 97331
Phone: 541-737-7600
Fax: 541-737-7914
Email: OSUStudent.Insurance@oregonstate.edu

About Health Insurance

What is health insurance?

Health insurance pays part of the cost of health care for you and your family if you are injured or get sick. It can be used at OSU Student Health Services, doctors’ offices, and hospitals. Health care in America can be expensive, so it is important to have health insurance. 

OSU’s health insurance requires that you use either Student Health Services or a doctor that is part of the plan (doctors who have signed up with that insurance company).

Why do I need health insurance as an international student?

All non-resident international students and their dependents (living in the United States) must be covered by health insurance that meets national, state and OSU requirements (OAR 576-025-0020). All international students are automatically charged for the OSU International Health Insurance. Students who have other insurance can submit a waiver request with a summary of their insurance coverage. If approved, the charge will be removed. For more information on adding a dependent to your OSU health insurance, contact the Student Health Insurance office 541-737-7600.

Where is the best place to use my OSU health insurance?

Best choice: Student Health Services

In most situations, the first place to go is Student Health Services. This will be the cheapest place to get health care.

Student Health Services is open:
Monday - Friday, 9:00 a.m. to 6:00 p.m.
Saturday, 10:00 a.m. to 3:00 p.m.

During school breaks, the hours are:
Monday - Friday, 9:00 a.m. to 12:00 p.m.

To make an appointment, call 541-737-9355. If you need to see a doctor immediately, some same-day appointments are available. If you have a problem when Student Health is not open, call the Nurse Advice Line at 541-737-9355.

Second choice: Off-campus urgent care

If Student Health is closed, you can go to Corvallis Clinic Immediate Care or Samaritan Urgent Care. Both of these clinics will take your Aetna health insurance.

Corvallis Clinic Immediate Care Center
Asbury Building
3680 NW Samaritan Drive
Corvallis, OR 97330
Phone: 541-754-1282
Weekdays from 8:00 a.m. to 8:00 p.m.
Weekends and holidays from 10:00 a.m. to 5:00 p.m.

Samaritan Urgent Care Center
5234 SW Philomath Blvd. (in Sunset Plaza near Safeway)
Corvallis, OR 97333
Phone: 541-768-4970
Weekdays from 8:00 a.m. to 9:00 p.m. 
Saturdays from 9:00 a.m. to 6:00 p.m.
Sundays from 10:00 a.m. to 6:00 p.m.

Third choice: Off-campus doctor or specialist

If you are looking for a special type of doctor off campus that is part of your insurance plan, go to www.aetnastudenthealth.com, type in “Oregon State University” under “Find your school,” and then select “Find a Doctor.” Choose a doctor from this list and then call for an appointment.

In an emergency: call 9-1-1

They can send an ambulance to help you. You can also go to the emergency room at the hospital. Emergency room visits are much more expensive than visiting a doctor who is covered by your insurance. If you go to the emergency room when you don’t have an emergency, your insurance might refuse to pay all or part of your charges. You would need to pay those charges. This can cost you a lot of money.

Good Reasons to Go to the Emergency Room:

  • Losing consciousness
  • Severe pain
  • Severe trouble breathing
  • Chest pain
  • Bleeding that doesn’t stop
  • Poisoning (contact the Poison Control Center at 800-222-1222 for immediate advice)
  • A major injury, such as a head injury
  • Severe or worsening reaction to an insect bite or a medication, especially if breathing is difficult
  • Stupor, drowsiness or disorientation that cannot be explained

I Have Dependents on My Plan; How Do They Use My Insurance?

If your dependents are not OSU students, they cannot use Student Health Services. There are many good doctors in Corvallis; to find a doctor on the plan, use the same steps as described above in “How Do I Use the OSU Plan?”

Each family member on your plan has a $300 deductible. This is the amount that you must pay each year before benefits will be paid by the insurance company. The deductible is waived for students seen at Student Health Services, but does apply for dependents and students when seen outside Student Health. 

For More Information

Contact the Student Health insurance office at 541-737-7648, or visit the office on the first floor of Student Health Services, Room 110.

Travel Tips for International Students

If You Get Sick or Injured

  • Seek immediate medical care if you are bitten by an animal, develop a headache and high fever, experience bloody diarrhea, or have a skin wound that is not healing.
  • Students who have OSU International Health Insurance should contact On Call International. If you are more than 100 miles from OSU or in another country, they will arrange medical care for you.

Be Safe

  • Know your travel schedule (length of flights, stopovers). Carry extra food and water with you on long trips.
  • Keep your medicines in your backpack or carry-on bag, so that you can get them easily during your trip.
  • Keep your passport in your possession in a safe place, such as in a security pocket or belt.
  • Take only the credit cards that you will be using. Do not carry large amounts of cash.
  • Look both ways before crossing a street. Traffic may be coming from an unexpected direction.
  • Wear seat belts when riding in cars. Lock car doors.
  • Make new friends, but be aware of situations that may include unsafe sex, alcohol, drugs, and other dangers (especially at night or when alone).

Be Healthy

  • Be current on recommended immunizations.
  • Protect yourself from the sun. Wear sunglasses and a hat, and use sunscreen with SPF 15 to 30.
  • Wash your hands, especially before eating and after using the bathroom. Carry an alcohol-based hand cleaner, in case clean water and soap are not available.

In most European countries, Canada, Australia, New Zealand, Japan and the United States, tap water is safe to drink. Elsewhere, don’t drink tap water or use it to brush your teeth or clean contact lenses. Canned or bottled drinks are usually safe, but don’t use ice cubes.


Be Prepared

  • Prepare a Travel Medical Kit: first aid supplies (bandages and antibiotic ointment), cold medications, throat lozenges, antacids, and medication for pain relief.

How to use On Call International

Who do I call if I get sick or injured when traveling?

If you are traveling at least 100 miles from OSU, or in another country, call On Call International as soon as possible by dialing 866-525-1956 (within the United States) or 603-328-1956 (outside the United States). On Call International must make the arrangements for medical care, so always call them first.

How do I find medical care when I am traveling?

On Call International will refer you to a qualified doctor or hospital in your travel location. On Call International cannot reimburse you for any medical expenses unless they are arranged, approved and provided by On Call International.


How do I print an ID card for On Call International?

Go to:

https://www.aetnastudenthealth.com/students/student-connection.aspx?GroupID=100100.

Click on “Members” in the left menu, then select “Travel Assistance.” To print your card, go to "On Call International ID Card" near the bottom of the page.

What if a foreign hospital refuses to accept my insurance and requires me to pay the total when I get medical care?

You will need to pay the hospital and then file a claim for foreign medical assistance with Aetna Student Health. If you do not have enough money to pay the hospital, On Call International can help you make financial arrangements with the provider. The source of the money is your responsibility.

Find more information about how On Call International can help you at https://www.aetnastudenthealth.com/site-tools/insurance-FAQs.aspx under “Travel Assistance Services,” or go to On Call International: Worldwide Medical Information and Assistance (PDF).

Graduate Assistant Insurance Plan

What benefits are included?

The PacificSource Insurance includes a comprehensive medical, dental and vision plan. Benefit details are available at the "Summary of Benefits" link above.

Is it mandatory?

All graduate assistantships of .2 to .49 FTE require automatic enrollment in "employee-only" PacificSource insurance coverage. Those who want to opt out must submit a waiver form with comparable insurance coverage to the SHS Insurance Office by the deadline listed under “What paperwork do I need?”

What does it cost?

Monthly premiums for 2016-17 (pre-tax payroll deduction) are:

  • Employee-only coverage - $49.25
  • Employee + Spouse/Partner - $96.84
  • Employee + Children (1 or more) - $82.56
  • Employee + Spouse/Partner + Children - $130.14
  • Dental only: $36.84

Per the collective bargaining agreement (Article 28), OSU will cover 87% (or $295.44/month) of the premium cost for employee-only coverage while employed, and graduate assistants will pay the remaining 13%. Dependents can be added for an additional cost. 

How do I pay for it?

Monthly premiums will be deducted from your paycheck. 

What paperwork do I need?

Complete either: an enrollment form (if you are making changes or adding dependents), or a waiver form. Submit it to the Student Health Insurance Office by the deadline below for the given term. Do not submit forms earlier than six months prior to the insurance start date or without a local address. Enrollment forms are available for download on this page, or in our office. Please return all forms to the SHS Insurance Office, not to PacificSource.

Note about fall enrollment forms/waivers: All graduate assistants must submit the appropriate paperwork for the fall term unless you had a summer assistantship that is continuing with no changes in personal information or dependents. If you were on the Graduate Summer Insurance at 85%, we will continue that same policy. All forms must be submitted by the deadline below, dependent upon your start term.

Deadlines for form submission: All forms must be submitted within the first 30 days of employment.

 

When will my insurance be effective?

The plan year runs from October 1 to September 30 annually. However, insurance coverage is on a month-to-month basis and will be based on the assistantship appointment begin and end dates. Insurance becomes effective on the first of the month and ends on the last day of the month. If your assistantship began before the 15th of the month, your insurance effective date will be the first of that month. If your assistantship began the 16th or after, then your effective date will be the first of the following month. Ensure that your departmental paperwork is complete and received by OSU Human Resources and Payroll for processing. If your information is not entered into the system prior to the 16th, you will see a double deduction on your paycheck the following month.

Can I enroll family members in this coverage?

Family members who qualify as eligible dependents may be enrolled in this insurance at an extra cost. Dependents must be added during the open enrollment period (October each year, or the first month of the assistantship) by including the name, date of birth and Social Security number in Section 3 of the PacificSource enrollment form. Dependents may only be added outside of the open enrollment period if a qualifying event occurs (such as marriage, birth, adoption, court order or involuntary loss of other coverage). Submit an enrollment form by the first day of the month to be added.

How do I use my coverage outside of Student Health?

For services outside of the Student Health Center, refer to the list of Preferred Providers found online at www.PacificSource.com (plan type – PSN). When you go to that provider for an appointment, present your insurance card. Some offices will ask you to pay your percentage up front, or may bill you after they have received an Explanation of Benefits from PacificSource. If you receive a bill from an outside provider that you do not understand, call the billing office for that doctor for clarification. You can also call PacificSource Customer Service at 1-888-977-9299 to ask questions.

How is PacificSource billed for my services at SHS?

Every week, we send our charges electronically to PacificSource for processing. PacificSource then sends an Explanation of Benefits (EOB) to us and to the student explaining what was or was not paid and why. If the services were covered and the $100 deductible has been met, this EOB will be accompanied with a reimbursement check to Student Health Services. This process generally takes one to two months from start to finish. Students are responsible for paying charges on their student account and we recommend the student pay them at the time they are billed, if financially able. For any further questions on this process, contact our billing office at 541-737-8370.

What if I have other insurance?

Students who have other insurance may qualify to waive out of enrollment in PacificSource. However, graduate assistants who waive out of the university plan will not be eligible for the university’s contribution toward premiums. In order to qualify for a waiver, your insurance plan must cover the services listed on the “Waiver Requirements” to be considered comparable to the PacificSource plan. The Aetna OSU Student Insurance Plan is not a comparable plan. A summary of coverage as well as a copy of both sides of the insurance card must accompany the completed waiver for review by the deadline.

The university offers a dental benefit through PacificSource for those students who are missing dental coverage, but have all the medical and vision services required. The cost of the added dental premium will be $36.84 monthly. The student will be required to complete an enrollment form and authorize the premium to be deducted from their paycheck monthly.

My appointment has changed. Do I have to submit new forms?

Graduate students whose appointments convert from an assistantship to a fellowship from one term to the next (that is, the appointments are sequential with no lapse between appointment periods), will not be required to submit a new health insurance enrollment or waiver form. NOTE: If there is any lapse in time between appointments, the automatic enrollment will for employee-only coverage at the start of the new position. Any corrections, or waivers, must be submitted within the first 30 days of employment. Please contact the SHS Insurance Office with any questions by calling 541-737-7568.

Who can I contact if I have more questions?

Graduate Fellow Insurance Plan

What benefits are included?

PacificSource Insurance benefits include a comprehensive medical, dental, and vision plan. Benefits are listed in their respective PDFs, which can be found in the forms section.

Is it mandatory?

Yes, all eligible graduate fellows are required to enroll in PacificSource insurance or file a waiver form with comparable insurance coverage to the SHS Insurance Office by the deadline listed below. Waiver details can be found in the appropriate form in the forms section.

How do I pay for it?

The University will contribute 87 percent of the insurance premium plus one half of the administrative fee. Graduate fellows will be responsible for the remaining 13 percent plus one half of the administrative fee. If elected, additional coverage for dependents will be paid by the graduate fellow and OSU (13 percent each) during the fellowship appointment period. Monthly charges will be applied to the graduate fellow’s OSU business office account. Graduate fellows are financially responsible for prompt payment of these expenses. Failure to clear charges on the OSU business office account may impact the fellow’s ability to register in subsequent academic terms.

What does it cost?

OSU will pay 87 percent ($295.44) of the monthly premium cost for graduate fellow-only coverage. Dependents can be added for an additional cost; graduate fellows will pay 13 percent of the premium and the remaining 87 percent cost will be covered by OSU.

Premiums for 2016-17 (charged on a per-month basis) are listed below:

  • Employee-only coverage - $49.25 per month (13 percent)
  • Employee + Spouse/Partner - $96.84 per month (13 percent plus 13 percent of additional dependent cost)
  • Employee + Children (1 or more) - $92.43 per month (13 percent plus 13 percent of additional dependent cost)
  • Employee + Spouse/Partner + Children - $130.14 per month (13 percent plus 13 percent of additional dependent cost)
  • Dental only: $36.84 per month

What paperwork do I need to do?

You need to complete an enrollment form or waiver and submit to the Student Health Insurance Office no later than the deadline listed below for the given term. Please do not submit forms earlier than six months prior to the insurance start date or without a local address. Enrollment forms are available in the forms section, or in the Student Health Insurance Office. Please return all forms to the SHS Insurance Office, NOT to the PacificSource web site.

Fall Term: 

If a break in the fellowship occurred during summer term:

  • You must fill out either a new health insurance enrollment form or waiver every fall term.

If you had a continuous fellowship through the summer:

  • You do not need to complete a new form unless your address, phone number, or listed dependents have changed.
  • Please write 'REVISED' in the upper right hand corner of the form if you must complete a new form.

All late forms must be received in the Insurance office by the 10th of the starting month for payroll purposes as explained above.

Deadlines for form submission: 

Fall term – Oct. 1, 2015; Winter term – Jan. 1, 2016; Spring term – April 1, 2016 or Summer term – July 1, 2016 (Does not apply to optional summer insurance plan. Dates will be emailed out for deadline submission.)

When will my insurance be effective?

The health insurance plan year runs from Oct. 1 to Sept. 30. However, insurance coverage is on a month-to-month basis and will be based on the graduate fellowship appointment start and end dates. Insurance coverage will become effective on the first day of a month and will end on the last day of a month. If the fellowship begins before the 15th of the month, the insurance effective date will be the first of that month. If the fellowship begins on the 16th or after, the insurance effective date will be the first day of the following month. It is important to make sure that all required paperwork, including signed letters of offer, graduate fellow appointment forms, and health insurance enrollment and/or waiver forms are processed in a timely manner. Processing delays beyond the 16th of the month will result in double charges on the graduate fellow’s OSU business office account the following month.

Can I enroll family members in this coverage?

Yes. Family members must be added during the Open Enrollment period (October or the first month of the fellowship) by including the name, date of birth and Social Security number in Section 3 of the PacificSource enrollment form. To enroll family members outside of the Open Enrollment period, a Qualifying Event needs to occur, such as a marriage, birth, adoption, court order or involuntary loss of other coverage (provide Certificate of Loss of Coverage). The graduate fellow must submit an enrollment form to the SHS Insurance Office by the first day of the month to be added. The additional costs for family members are listed below. 

How do I use my coverage outside of Student Health?

For services outside of the Student Health Center, please refer to the list of Preferred Providers which may be found online at www.PacificSource.com (Choose the plan type – PSN). When you go to that provider for an appointment, you will need to present your insurance card so that the office can bill PacificSource for your visit. Some offices will ask you to pay your percentage up front, or may bill you after they have received an Explanation of Benefits from PacificSource. If you receive a billing from an outside provider that you do not understand, or does not look as if it has been charged to PacificSource, you should call the billing office for that doctor for clarification. You can also call PacificSource Customer Service at1-888-977-9299 to ask if they have received any billings for that date of service.

What if I have other insurance?

Graduate fellows who have other insurance may qualify to waive out of mandatory enrollment in PacificSource. However, graduate fellows who waive out of the university plan will not be eligible for the university’s contribution toward premiums. In order to qualify for a waiver, the graduate fellow’s alternate insurance plan must be considered comparable to the PacificSource plan. Waiver forms may be downloaded from the top of this page. A summary of coverage as well as a copy of both sides of the insurance card must accompany the completed waiver for review by the deadline.

This year, the University will offer a dental benefit through PacificSource for those students who are missing dental coverage, but have all the medical and vision services required. The cost of the added dental premium will be $36.84 monthly. The student will be required to complete a form to elect the dental coverage. The dental premium will be applied to the graduate fellow’s OSU business office account monthly.

What if I would rather enroll in one of the other OSU Insurance plans?

The Domestic and International Aetna Student Insurance plans do not qualify as comparable plans to the PacificSource insurance, and will not be approved to waive out of the Graduate Assistant PacificSource Insurance plan.

How is PacificSource billed for my services at SHS?

Every week, the SHS Billing Office sends the SHS charges electronically to PacificSource through our clearinghouse, Navicure, for processing. After processing, PacificSource then sends an Explanation of Benefits (EOB) to the student explaining what was or wasn't paid and why. If the services were covered and the $100 deductible has been met, this EOB will be accompanied with a reimbursement check. This process generally takes 1-2 months from start to finish. Students are responsible for paying charges on their student account and we recommend the student pay them at the time they are billed, if financially able. For any further questions on this process, you may contact the SHS Billing Office at 541-737-8370.

If my appointment changes from graduate assistant to graduate fellow or vice versa, do I have to submit a new health insurance enrollment or waiver form?

Graduate students whose appointments convert from fellowship to an assistantship from one term to the next (that is, the appointments are sequential with no lapse between appointment periods), will not be required to submit a new health insurance enrollment or waiver form. NOTE: If there is any lapse in time between appointments, a new health insurance enrollment or waiver form will be required. Please contact the SHS Insurance Office with any changes by calling 541-737-7568.

Can I keep my coverage after my graduate fellowship ends?

Yes, there are two options for continuing the PacificSource insurance depending upon your situation – the Graduate Fellow Summer Insurance at 87-percent and the COBRA Continuation Plan. The enrollment details for both plans are listed under the link "Graduate Assistant Summer Insurance at 87% and COBRA Options" at the top of this page.

Graduate Fellow Summer Insurance at 87 percent: Effective Summer 2016 and contingent upon the contract being ratified (see below).

ELIGIBILITY: You are eligible for this plan if you have had a graduate fellowship during fall, winter and/or spring term, but not during summer term and will continue as a graduate assistant or fellow in the coming fall. The university and PacificSource offer the ability to keep your same coverage with the university paying 87 percent of the monthly premium and the student paying the other 13 percent. Deadlines for submission of the summer insurance forms will be emailed out to the student and student’s department.

COBRA Continuation Plan: ELIGIBILITY: If your fellowship ends or you are leaving the University, you have the option of enrolling in the COBRA Continuation Plan for 18 months. COBRA coverage is a continuation of the same PacificSource coverage you had as a graduate fellow, but the university would no longer be paying 87 percent of the premium. Please see the link above for enrollment details and deadlines entitled “COBRA Options.” Additional information about COBRA coverage can be obtained by calling PacificSource Administrators COBRA at 1-877-355-2760.

PacificSource may also send information to you regarding Portability Insurance. This is insurance from PacificSource, but the coverage is not the same as the coverage within the Graduate Fellow Plan. For information regarding this insurance, call the Customer Service phone number at 1-888-977-9299.

Who can I contact if I have more questions?

Postdoctoral Fellow Insurance Plan

Proof of insurance is not mandated for postdoctoral fellows but is, instead, optional. Postdoc fellows may enroll in the Aetna health insurance plan for OSU.

What is covered?

The OSU health insurance plan is a major medical plan covered by Aetna Student Health Insurance that reimburses 90 percent of covered services and prescriptions (filled at SHS pharmacy), with unlimited coverage per accident or illness, per year. There is a $300 deductible if care is received off campus (away from Student Health Services).

Who is eligible?

Postdocoral Fellows with an active fellowship at OSU.

What does it cost?

The following rates are effective for the 2016-17 policy year:

  • Fellow-only coverage – $486.33 per month
  • Fellow + Spouse/Partner – $952.66 per month
  • Fellow + Children (1 or more) - $952.66 per month
  • Fellow + Spouse/Partner + Child - $1,418.99 per month
  • Fellow + Spouse/Partner + Children – $1,885.32 per month

How do I enroll and pay?

It's easy. Just go to www.aetnastudenthealth.com/schools/oregonstate. Review the Plan Design and Benefits Summary for Policy Year 2016/2017, select "enroll now" and continue the steps as directed. Payment for the health insurance is due at the time of enrollment and is made directly to Aetna Student Health Insurance. Aetna accepts Visa/MasterCard, Discover Card, American Express and electronic checks.

Need help? Just call 1-800-683-7299. Someone can help you Monday-Friday 8:30 a.m. to 5 p.m. ET. 

When will my insurance be effective?

The health insurance plan year runs from 9/1/16 to 8/31/17. However, insurance coverage is on a term-by-term basis and will be based on the postdoctoral fellowship appointment begin and end dates.

Coverage dates for terms

Fall: 9/10/16 to 12/29/16
Winter: 12/30/16 to 3/23/17
Spring: 3/24/17 to 9/10/17
Summer: 6/17/17 to 9/10/17

Open enrollment periods

Fall:9/05/16 to 10/14/16
Winter: 12/23/16 to 1/27/17
Spring: 3/17/17 to 4/21/17
Summer: 6/12/17 to 7/14/17

Can I use the OSU Student Health Center?

Post Doc Fellows are not eligible to use the OSU Student Health Center as you are not registered for classes as a student and do not pay any tuition or fees.

Can I keep my coverage after my fellowship ends?

After your Post Doc Fellowship ends you are no longer eligible for Aetna Student Health Insurance. There is no COBRA coverage as this is not an employer group plan and Continuation Coverage is not offered.

Who can I contact if I have more questions?

Postdoctoral Scholar and Clinical Fellows Insurance Plan

What benefits are included?

PacificSource Insurance benefits include a comprehensive medical, dental, and vision plan. Medical, vision, and dental benefits are listed in their respective PDFs above.

Is it mandatory?

All postdoctoral scholars and clinical fellows are required to either enroll in PacificSource insurance or file a waiver form with the student insurance office. Waiver details are listed under the link "Graduate Plan Waiver Requirements" above.

What does it cost?

OSU will pay 100 percent ($338.69) of the monthly premium cost for employee-only coverage minus half of the administration fee. Dependents can be added for an additional cost. Premiums for 2016-2017 (per-month, pre-tax payroll deduction) are listed below:

  • Employee-only coverage - $6.00 (half of administration fee)
  • Employee + Spouse/Partner - $366.07 (administration fee plus additional dependent cost)
  • Employee + Children (1 or more) - $256.22 (administration fee plus additional dependent cost)
  • Employee + Spouse/Partner + Children - $622.23 (administration fee plus additional dependent cost)
  • Dental Only - $36.84

How do I pay for it?

The university will contribute 100 percent of the employee-only insurance premium. Additional coverage for dependents will be paid by the employee during the period you have your appointment. Paychecks must be large enough to accommodate the elected plan deduction. The monthly amount will be deducted from your paycheck.

What paperwork do I need to do?

You need to complete an enrollment form or waiver and submit to the Student Health Insurance Office no later than the deadline listed below for the given term. Please do not submit forms earlier than six months prior to the insurance start date or without a local address. Enrollment forms are available for download at the top of this page, or in the Student Health Insurance Office. Please submit all forms to the SHS Insurance Office rather than to the PacificSource website.

Fall Term: All eligible postdoctoral scholars/clinical fellows must fill out either a health insurance enrollment form or waiver form every Fall term if a break in the scholarship/fellowship occurred during the summer term. Note: If you have a continuous scholarship/fellowship through the summer, you must only complete a new form if you have changes in your address, phone number or dependents - PLEASE WRITE ‘REVISED’ ON UPPER RIGHT-HAND SIDE OF FORM. Enrollment forms are available for download at the top of this page, or from the Student Health Insurance Office.

Deadlines for form submission: Winter term – Jan. 1, 2017; Spring term – April 1, 2017 or Summer term – July 1, 2017

How do I find a Preferred Provider?

A list of Preferred Providers can be found online at www.PacificSource.com (Choose the plan type – PSN). When you go to that provider for an appointment, you will need to present your insurance card so that the office can bill PacificSource for your visit. Some offices will ask you to pay your percentage up front, or may bill you after they have received an Explanation of Benefits from PacificSource. If you receive a billing from a provider that you do not understand, or does not look as if it has been charged to PacificSource, you should call PacificSource Customer Service at 1-888-977-9299 to ask if they have received any billings for that date of service.

Can I enroll family members in this coverage?

Yes, you may enroll family members onto the PacificSource insurance by submitting an enrollment form to the SHS Insurance Office by the first day of the month to be added. Family members must be added during the Open Enrollment period (October or the first month of the appointment) by including the name, date of birth and Social Security number in Section 3 of the PacificSource enrollment form. To enroll family members outside of the Open Enrollment period, a Qualifying Event needs to occur, such as a marriage, birth, adoption, court order or involuntary loss of other coverage (provide Certificate of Loss of Coverage).

What if I have other insurance?

Postdoctoral scholars/clinical fellows who have other insurance may qualify to waive out of enrollment in PacificSource. In order to qualify for a waiver, your insurance plan must cover all the services listed on the “Waiver Requirements” to be considered comparable to the PacificSource plan. A summary of benefits listing the deductible amount and services as well as a copy of both sides of the insurance card must accompany the completed waiver.

The university offers the dental benefit through PacificSource for those students who are missing dental coverage, but have all the medical and vision services required. The cost of the added dental premium will be $36.84 monthly. You will be required to complete a form and will have the dental premium cost charged directly to your OSU business office account on a monthly basis.

When will my insurance be effective?

The health insurance plan year runs from Oct. 1 to Sept. 30. However, insurance coverage is on a month-to-month basis and will be based on the appointment begin and end dates. Insurance coverage will become effective on the first day of a month and will end on the last day of a month. If the appointment begins before the 15th of the month, the insurance effective date will be the first of that month. If the appointment begins the 16th or after, the insurance effective date will be the first day of the following month. It is important to make sure that all required paperwork, including signed letters of offer and health insurance enrollment and/or waiver forms, are processed in a timely manner. Processing delays beyond the 16th of the month will result in double deductions collected through payroll the following month.

Can I keep my coverage after my appointment ends?

COBRA Continuation Plan: If your position ends or you are leaving the university, you have the option of enrolling in the COBRA Continuation Plan for 18 months. COBRA coverage is a continuation of the same PacificSource coverage you had as a postdoctoral scholar/clinical fellow, however you will be responsible for the full premium amount. PacificSource Administrators COBRA will mail an enrollment packet to you after your scholarship/fellowship ends. Please see the link “COBRA Option” for information. Additional information about COBRA coverage can be obtained by calling PacificSource Administrators COBRA at 1-877-355-2760.

PacificSource will also send information to you regarding Portability Insurance. This is insurance from PacificSource, but the coverage is not the same as the coverage within the postdoctoral scholar/clinical fellow program. For more information, please call PacificSource at 1-888-977-9299.

Who can I contact if I have more questions?

Students with Private Insurance

Some insurance plans will reimburse you for part or all of the cost of a medical visit to Student Health Services on campus. Other insurance plans state that you must see a certain doctor in order to get the best reimbursement rate (sometimes called Primary Care Physician, In-network Provider, or Preferred Provider). If you are wondering how your insurance company will pay for charges incurred at OSU Student Health Services (SHS), it is best to call your insurance company and let them know you can be seen on campus. They will be able to tell you how your specific plan works. Typically, there is a phone number or web address on your insurance card where you can contact Customer Service at your insurance company to ask these questions.

At this time, SHS is not contracted to be a “preferred provider” for any insurance plans, except the ones offered by OSU. Reimbursement amounts will vary according to your plan. SHS recommends students call the toll free number listed on their insurance card and speak with a customer service representative at your insurance who can help them understand their plan. Insurance plans often post their benefits summary online, as well, or distribute summary booklets which detail that insurance plan’s benefits. 

Some students with Kaiser Permanente coverage can register for their student out-of-area program while at school. It is necessary to register as an out-of-area student annually for this benefit. This new benefit means students can be reimbursed for the cost of non-urgent medical needs (such as routine, continuing, and follow-up care) at a non-Kaiser facility while they are away at school. Prescriptions are not covered at SHS Pharmacy, you must go to a Kaiser facility, or have those filled through Kaiser Mail Order. To find out more, contact your Kaiser Permanente representative at the customer service number on the back of your card and choose “Member Services” to talk about the Student Out-of-Area Benefit or log in on KaiserPermanente.org for info. You can also contact the Student Health Services Billing Office for general questions at 541-737-2068.

If your insurance plan will reimburse you for services at SHS, you will likely need to submit a itemized billing statement, along with your insurance company’s claim form. You may request a billing statement in writing from the billing office at SHS. Due to privacy laws, SHS is unable to process these requests by phone. Please deliver, mail, or fax your signed and dated request along with your name, student ID number, and contact information to the address below. Students may also request an itemized billing statement in person (with photo I.D.) at the billing office.

Student Health Services 
ATTN: Billing Department 
Room 110 Plageman Building (Student Health Services) 
Corvallis, OR 97331 
Phone: 541-737-2068 
Fax: 541-737-7914
Billing Office web page

Affordable Care Act

More than 19 million young adults across the United States lack basic health insurance coverage. Although often healthy, young people do need medical care for preventive treatment, regular check-ups, and occasional health problems. Many of them also have costly chronic conditions. Yet rising health insurance premiums price millions of young adults out of the market. The Affordable Care Act aims to provide affordable coverage to millions of uninsured and underinsured young adults.

SOURCE: Young Invincibles website

Highlights of the Affordable Care Act

  • The law gives states the option of expanding Medicaid, a very low-cost government insurance program, to cover individuals making less than about $15,300 a year. About 8 million uninsured young adults age 18 to 34 could benefit from this affordable insurance option.
  • The law creates tax credits for those purchasing insurance who earn under about $46,000 a year. Roughly 9 million uninsured young people ages 18 to 34 fall in this category and could receive tax credits. The tax credits will limit the amount an individual pays in insurance premiums for a plan purchased on the new health insurance marketplaces. 

    For example, a young person who wants to buy a plan on the individual market (i.e. not through an employer) and is making $22,000 will have to pay no more than 5.9 percent of his or her income (or $1,300 yearly in premiums). The tax credits will cover any premium costs beyond that. These benefits start in 2014 and will also assist those currently insured by making coverage more affordable.
  • The law allows adult children to stay on their parent’s health plan to age 26. The National Center for Health Statistics estimates that 3.1 million previously uninsured young people have already gained coverage, thanks to this provision.

How to find and buy insurance

The Affordable Care Act seeks to make insurance easier to compare and buy, by creating online marketplaces in each state. Individuals can compare plans and purchase the package that works best for them.

Common Medical Insurance Terms

We use words to describe and explain medical care and insurance that may be very confusing! Below are listed some definitions and explanations of important concepts and insurance terms. If you need further explanation, call the insurance office at 541-737-6748.

For additional information, the Student’s Guide to Health Insurance offers valuable information for students living independently for the first time, and for recent grads entering the workforce.

Accident: 

An unexpected event that causes injury.

Basic Medical Plan: 

Insurance coverage that pays agreed-on medical expenses up to a relatively low maximum. For example, an insurance maximum may be $50,000 lifetime benefit for each injury or sickness.

Benefits: 

The money the insurance company pays the health care provider for medical services to you if you become ill or injured.

Claim: 

A request by you for payment by the insurance company of medical expenses that are covered under the insurance policy. The provider of a medical service will usually file a claim for you.

Co-insurance: 

The amount (typically a percentage) you are obligated to pay for covered medical services after you’ve satisfied any co-payment or deductible required by your health insurance plan.

Co-payment: 

The set or fixed-dollar amount you are required to pay each time a particular medical service is used. A co-payment for services may be $10 per visit.

Coverage: 

The conditions for which the insurance company will pay.

Deductible: 

The cumulative amount that you must pay annually before benefits will be paid by the insurance company. If the insurance policy indicates a "$250 deductible," the insurance company pays as agreed after you pay the first $250.

Dependents: 

Your spouse and children.

Emergency: 

A severe medical condition which may include pain, loss of breathing or consciousness, heart attack, stroke, poisoning, convulsions or severe bleeding.

Exclusions: 

Conditions for which the insurance company will not pay; for example, cosmetic procedures are exclusions.

Explanation of Benefits (EOB): 

The statement you receive from the insurance company showing the services, amounts paid by the plan and total for which you are being billed.

Health Insurance Policy (coverage, plan):

Insurance to cover the costs or losses incurred if an insured person falls ill.

Identification Card: 

A card given to you that identifies you as being eligible for benefits. The card must be presented when seeking treatment.

Insurance: 

A system under which individuals, businesses and other organizations, in exchange for a premium, are promised payment for losses resulting from certain dangers as specified in a contract.

Insurance Company: 

An organization licensed to operate as an insurer.

Insurance Policy: 

The legal document issued by the company to the policyholder (Purdue) which outlines the terms and conditions of the insurance; also called a "contract."

Insured: 

A person or organization covered by an insurance policy.

Major Medical: 

A plan that provides much broader coverage than the basic medical plan up to a high limit. You may increase your coverage by paying an additional amount more than your basic premium.

Network:

A group of medical providers that are contracted with a specific insurance company for highest payment levels.

OSU Health Fee: 

Charged to all students, provides on-campus health clinic with clinician visits covered as part of the health fee, violence prevention programs, health promotion and education to the campus community.

Out-of-network care: 

Healthcare rendered to a patient outside of the health insurance company's network of preferred providers. In many cases, the health insurance company will not pay for these services.

Out-of-Pocket Costs: 

The total you pay out of your pocket for a policy year. These costs include the deductible, co-insurance and amounts considered by the insurance company to be above the "Usual and Customary charges."

Pharmacy: 

A business where drugs approved by a doctor are legally sold.

Pre-existing Condition: 

A medical condition that required treatment during a fixed period of time, usually 3 or 6 months, before you purchased your insurance policy.

Premium: 

The price you pay for your insurance policy.

Stop Loss: 

See "Out-of-Pocket Costs."

Usual and Customary Charges: 

(Also called "Reasonable and Customary Charges") The routine charge for a medical service by similar professional medical providers in the same geographical area. You may pay an amount above the Usual and Customary charge if a provider charges more than other providers for the same service.

Insurance Resources

Cover Oregon

http://www.coveroregon.com - Online marketplace where Oregonians can compare and enroll in health and dental coverage that fits their needs and budget

Cover Oregon

http://www.coveroregon.com - Online marketplace where Oregonians can compare and enroll in health and dental coverage that fits their needs and budget

Compare major health coverage with different carriers

These products are not reviewed, sponsored, or endorsed by Oregon State University. http://www.ehealthinsurance.com

Compare travel insurance coverage with different companies

These products are not reviewed, sponsored, or endorsed by Oregon State University. http://www.insuremytrip.com

Healthfinder: Government and non-profit health and human services information

http://www.healthfinder.gov

The student’s guide to health insurance

http://www.bestcolleges.com/resources/student-healthcare-guide - Offers valuable information for students living independently for the first time, and for recent grads entering the workforce