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. 

Contact us

OSU Student Health Insurance Office 

Student Health Services
Plageman Building Room 110
108 SW Memorial Way
Corvallis, OR 97331
Fax: 541-737-7914

General Insurance Questions: 541-737-6748

OSU Aetna Student Plan Coordinator - Mary Lloyd-Rex
Phone: 541-737-7600 | Click here to send an email.

OSU PacificSource Plan Coordinator - Audrey Roberson
Phone: 541-737-7568 | Click here to send an email.

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 2017-18

  • $568.33 Fall Term
  • $568.33 Winter Term
  • $568.33 Spring/Summer Term (purchase of spring lasts through summer term at no additional charge)
  • $394.45 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 - $1,101.66
Student + child - $1,101.66
Student + children - $1,634.99
Student + child + spouse - $1,634.99
Student + children + spouse - $2,168.32

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 2017/2018

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 this website 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 2017-2018 academic year is $568.33 for student-only coverage (costs differ for visiting scholars).

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.

When can I enroll?

Key dates:

  • Open enrollment: Open enrollment period ends the third Friday of each term.
    • Fall: 9/1/17 - 10/13/17
    • Winter: 12/23/17 - 1/26/18
    • Spring: 3/17/18 - 4/20/18
    • Summer: 6/12/18 - 7/13/18

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 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 this website 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.

Quick Care
2001 NW Monroe, Ste. 104
Corvallis, OR. 97333
(541) 754-1369
Monday - Sunday 7:00 a.m. to 7:00 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 541-737-6748, 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?

Click here.

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?

PacificSource Health Plan includes coverage for medical, dental, and vision services. A summary of benefits can be found at the Forms link above.

Is it mandatory?

Yes. All Graduate Assistants with an appointment 0.30 to 0.49 FTE will be automatically enrolled in employee-only coverage. Dependents can be enrolled for additional cost. You have the option to waive out of the plan if you have another insurance plan with comparable coverage. 

How do I pay for it?

Premiums will be deducted from your paycheck monthly. Premiums are deducted in the same month for which you have coverage.

What does it cost?

Per the Coalition of Graduate Employees (CGE) union bargaining agreement, Article 28, OSU contributes 88% of the monthly premium for the employee and dependent coverage, plus 50% of the administration fee.

The employee pays 50% of the administration fee and 12% additional premiums for themselves and dependents.

The following amounts are the Graduate Assistant responsibility:

Premiums for 2017-18 Plan Year:

  • Employee-Only: $51.58
  • Employee + Spouse/Partner: $101.73
  • Employee + Child(ren): $86.70
  • Employee + Family: 136.82
  • Dental Only: $48.84

* These rates are deducted pre-tax. Please also see the Summer Session insurance section below for required summer insurance prepay rates.

When will my insurance be effective?

Your insurance begin date is dependent on your position start date.

Position Start Date: 1st – 15th of the month, coverage starts the 1st of the same month

Position Start Date: 16th – last day of the month, coverage starts the 1st of the following month

Coverage will end the last day of the same month that your position ends.

What paperwork do I need?

Graduate Assistants are automatically enrolled in employee-only coverage. You will only need to submit an enrollment form if you are enrolling dependents to your plan. Enrollment forms and waiver application forms are to be submitted to the OSU Insurance Office within 30 days of the start of your assistantship.

A new waiver application is required each fall term to be submitted no later than October 1st. New enrollments or waivers are due any time you return from a break in your assistantship.

Changes to your plan can also be made during the open enrollment periods listed below:

Fall Term – Month of October

Winter Term – Month of January

Spring Term – Month of April

Summer Term – Month of July

Can I enroll family members in this coverage?

Yes. Eligible dependents can be enrolled onto your plan within the first 30 days of your position start date, during an open enrollment period, or when a qualifying event occurs. Qualifying events include: birth, marriage, permanent move to U.S., adoption, or involuntary loss of other group coverage. 

How is PacificSource billed for my services at SHS?

The OSU Student Health Billing Office will submit claims to the insurance company for services rendered at the Student Health Center on-campus.

The billing process may take 4-6 weeks before the insurance responds with an explanation of payment. If you have a balance after the insurance has responded, then the charges will be reflected on your OSU business account.

Patients are responsible for paying charges on their student account. If you have any questions regarding billing for services at the OSU Student Health Clinic please contact our Billing Specialist at (541) 737-8370.

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 the PacificSource website (choose plan network – PSN).

When you go to that provider for an appointment, present your insurance card.

You can also call PacificSource Customer Service at 1-888-977-9299 for assistance.

What if I have other insurance?

If you have your own insurance plan, and the coverage is considered comparable to the PacificSource plan offered by OSU, then you may qualify for an approved waiver.

You will need to submit the waiver application form, copy of insurance cards, and summary of benefits detailing your plan coverage to the OSU Student Health Insurance Office.

You will be notified via email with a decision of waiver approval or denial. You can find the waiver requirements/application form under the Forms link above.

Can I keep my coverage after my assistantship ends?

Once your position ends, you have the option of enrolling the COBRA continuation plan for up to 18 months as needed.

COBRA is a continuation of the same coverage on PacificSource Health plans, however you will pay the full premium monthly directly to PacificSource Administrators.

When your position ends, PacificSource Administrators will mail the COBRA election forms to you. To enroll, simply complete the forms and return to PacificSource Administrators with a payment.

Additional information can be found by following the Forms link above.

How does insurance work during Summer Session?

Per the CGE bargaining agreement, Article 28, all Graduate Assistants with a position during at least one term of the academic year are to be automatically enrolled in the summer session insurance.

Summer Session insurance includes the same level of PacificSource Health coverage for July, August and September. The premiums are deducted over a course of 9 months between October and June, prior to Summer Session. No premiums are deducted in July, August or September if premiums are prepaid during the academic year. The following amounts are the Graduate Assistant responsibility.

Summer 1/9 Premium rates for 2017-18 plan year:

  • Employee-Only - $17.19
  • Employee + Spouse/Partner - $33.91
  • Employee + Child(ren) - $28.90
  • Employee + Family – $45.61

*Summer 1/9 premiums are deducted monthly post-tax.

You have the option to opt-out of summer coverage and be refunded the prepaid premiums if you do not have an assistantship during the summer term or are paid in a student hourly position during summer term.

You are required to opt-out of the summer session insurance if you are graduating in terms prior to summer term, and/or will not return as a student in the Graduate School either summer or Fall term, as you are NOT eligible for summer session insurance. You will only be refunded the prepaid premiums if you submit the Summer Insurance Opt-Out form.

Deadline to Opt-Out is May 1st

No changes will be allowed after this deadline. Refunds will be processed in June payroll.

*If your assistantship ends prior to spring term please use the following deadlines: Fall Term – November 1st; Winter Term – February 1st.

Who can I contact if I have more questions?

General Insurance Questions: 541-737-6748

Graduate Fellow Insurance Plan

What benefits are included?

PacificSource Health Plan includes coverage for medical, dental, and vision services. A summary of benefits can be found at the Forms link above.

Is it mandatory?

Yes. Graduate Fellows are required to either enroll in the PacificSource Health Plan or waive out with comparable coverage. Waiver requirements can be found at the Forms link above.

How do I pay for it?

Premiums will be charged to your OSU business account at the end of each month that you have coverage. Graduate Fellows are financially responsible for prompt payment of these expenses.

What does it cost?

OSU contributes 88% of the premium for the fellow and dependent coverage, plus 50% of the administration fee. The fellow pays 50% of the administration fee and 12% of the additional premiums for themselves and dependents. The following amounts are the Graduate Fellow responsibility.

Premiums for 2017-18 Plan Year:

  • Fellow Only: $51.58
  • Fellow + Spouse/Partner: $101.73
  • Fellow + Child(ren): $86.70
  • Fellow + Family: 136.82
  • Dental Only: $48.84

* Please also see the Summer Session insurance option below.

When will my insurance be effective?

Your insurance begin date is dependent on your fellowship start date.

Fellow Start Date: 1st – 15th of the month, coverage starts the 1st of the same month

Fellow Start Date: 16th – last day of the month, coverage starts the 1st of the following month.

Coverage will end the last day of the same month that your fellowship ends.

What paperwork do I need to do?

Enrollment forms and waiver application forms are to be submitted to the OSU Insurance Office within 30 days of the start of your fellowship.

A new waiver application is required each fall term to be submitted no later than October 1st. New enrollments or waivers are due any time you return from a break in your fellowship.

Changes to your plan can also be made during the open enrollment periods listed below:

Fall Term – Month of October

Winter Term – Month of January

Spring Term – Month of April

Summer Term – Month of July

Can I enroll family members in this coverage?

Yes. Eligible dependents can be enrolled onto your plan within the first 30 days of your fellowship start date, during an open enrollment period, or when a qualifying event occurs.

Qualifying events include: birth, marriage, permanent move to U.S., adoption, or involuntary loss of other group coverage.

How is PacificSource billed for my services at SHS?

The OSU Student Health Billing Office will submit claims to the insurance company for services rendered at the Student Health Center on-campus. The billing process may take 4-6 weeks before the insurance responds with an explanation of payment.

If you have a balance after the insurance has responded, then the charges will be reflected on your OSU business account. Patients are responsible for paying charges on their student account.

If you have any questions regarding billing for services at the OSU Student Health Clinic please contact our Billing Specialist at (541) 737-8370.

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 the PacificSource website (choose plan network – PSN).

When you go to that provider for an appointment, present your insurance card.

You can also call PacificSource Customer Service at 1-888-977-9299 for assistance.

What if I have other insurance?

If you have your own insurance plan, and the coverage is considered comparable to the PacificSource plan offered by OSU, then you may qualify for an approved waiver.

You will need to submit the waiver application form, copy of insurance cards, and summary of benefits detailing your plan coverage to the OSU Student Health Insurance Office.

You will be notified via email with a decision of waiver approval or denial. You can find the waiver requirements/application form under the Forms link above.

How does insurance work during Summer Session?

Graduate Fellows who do not have a fellowship during summer months, but have a fellowship during at least one term of the academic year, AND are returning as a student enrolled in the Graduate School either summer or fall term are eligible to sign up and prepay for summer coverage.

*If you are graduating in terms prior to summer term, and/or will not return as a student enrolled in the Graduate School either summer or fall term, then you are not eligible to enroll in summer session coverage.

Summer Session insurance includes the same level of PacificSource Health coverage for July, August and September. The premiums are triple charged to your OSU business account in May, prior to Summer Session. No premiums are charged in July, August or September if premiums are prepaid in May.

Deadline to enroll for Summer Session is May 1st.

No changes will be allowed after this deadline. You can find the enrollment form and premium rates under the “FORMS” link at the top of the page.

*If your fellowship ends prior to spring term please use the following deadlines: Fall Term – November 1st; Winter Term – February 1st.

Can I keep my coverage after my graduate fellowship ends?

Once your fellowship ends, you have the option of enrolling the COBRA continuation plan for up to 18 months as needed.

COBRA is a continuation of the same coverage on PacificSource Health plan, however you will pay the full premium monthly directly to PacificSource Administrators.

When your fellowship ends, PacificSource Administrators will mail the COBRA election forms to you. To enroll, simply complete the forms and return to PacificSource Administrators with a payment. Additional information can be found by following the “FORMS” link above.

Who can I contact if I have more questions?

General Insurance Questions: 541-737-6748

Postdoctoral Fellow Insurance Plan

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?

Postdoctoral Fellows with an active fellowship at OSU.


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 does it cost?

The following rates are effective for the 2017-18 policy year:

  • Fellow-only coverage – $568.33 per month
  • Fellow + Spouse/Partner – $1,101.66 per month
  • Fellow + Children (1 or more) - $1,634.99 per month
  • Fellow + Spouse/Partner + Child - $1,634.99 per month
  • Fellow + Spouse/Partner + Children – $2,168.32 per month
  • Fellow + Child - $1,101.66 per term

How do I enroll and pay?

It's easy. Just click here. Review the Plan Design and Benefits Summary for Policy Year 2017-2018, 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: 9/11/17 to 12/27/17
Winter: 12/28/16 to 3/28/18
Spring: 3/29/18 to 9/10/18
Summer: 6/21/18 to 9/10/18

Open enrollment periods

Fall: 9/01/17 to 10/13/17
Winter: 12/23/17 to 1/26/18
Spring: 3/17/18 to 4/20/18
Summer: 6/12/18 to 7/13/18

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?

General Insurance Questions: 541-737-6748

Postdoctoral Scholar and Clinical Fellows Insurance Plan

What benefits are included?

PacificSource Health Plan includes coverage for medical, dental, and vision services. A summary of benefits can be found at the Forms link above.

Is it mandatory?

Yes. Postdoctoral Scholars and Clinical Fellows are required to either enroll in the PacificSource Health Plan or waive out with comparable coverage. Waiver requirements can be found at the Forms link above.

How do I pay for it?

Premiums will be deducted pre-tax from your paycheck monthly. Premiums are deducted in the same month for which you have coverage.

What does it cost?

OSU contributes 100% of the monthly premium for the employee coverage plus 50% of the administration fee. The employee pays 50% of the administration fee and any additional premiums for dependents.

The following amounts are the Scholar/Fellow responsibility:

Premiums for 2017-2018 Plan Year:

  • Employee-Only – $6.00
  • Employee + Spouse/Partner – $423.93
  • Employee + Child(ren) – $298.67
  • Employee + Family – 716.37
  • Dental Only – $48.84

When will my insurance be effective?

Your insurance begin date is dependent on your position start date.

Position Start Date: 1st – 15th of the month, coverage starts the 1st of the same month

Position Start Date: 16th – last day of the month, coverage starts the 1st of the following month.

Coverage will end the last day of the same month that your position ends.

What paperwork do I need to do?

Enrollment forms and waiver application forms are to be submitted to the OSU Insurance Office within 30 days of the start of your position.

A new waiver application is required each fall term to be submitted no later than October 1st. New enrollments or waivers are also due any time you return from a break in your position.

Changes to your plan can also be made during the open enrollment periods listed below:

Fall Term – Month of October

Winter Term – Month of January

Spring Term – Month of April

Summer Term – Month of July

Can I enroll family members in this coverage?

Yes. Eligible dependents can be enrolled onto your plan within the first 30 days of your position start date, during an open enrollment period, or when a qualifying event occurs.

Qualifying events include: birth, marriage, permanent move to U.S., adoption, or involuntary loss of other group coverage.

The Scholar/Fellow is responsible for paying the additional premium for dependents.

Can I use the OSU Student Health Center?

Postdoctoral Scholars and Clinical Fellows are not eligible to use the OSU Student Health Center as they are not registered for classes as a student and do not pay the Student Health Services fee.

What if I have other insurance?

If you have your own insurance plan, and the coverage is considered comparable to the PacificSource plan offered by OSU, then you may qualify for an approved waiver.

You will need to submit the waiver application form, copy of insurance cards, and summary of benefits detailing your plan coverage to the OSU Student Health Insurance Office.

You will be notified via email with a decision of waiver approval or denial. You can find the waiver requirements/application form under the Forms link above.

How do I find a Preferred Provider?

To find an in-network provider, refer to the list of Preferred Providers found online at the PacificSource website (choose plan network – PSN).

When you go to that provider for an appointment, present your insurance card.

You can also call PacificSource Customer Service at 1-888-977-9299 for assistance.

Who can I contact if I have more questions?

General Insurance Questions: 541-737-6748

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.

Insurance Resources

Cover Oregon

Homepage - Online marketplace where Oregonians can compare and enroll in health and dental coverage that fits their needs and budget

Cover Oregon

Homepage - Online marketplace where Oregonians can compare and enroll in health and dental coverage that fits their needs and budget

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

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The student’s guide to health insurance

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