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 (per month):

  • Fellow Only: $51.58
  • Fellow + Spouse/Partner: $101.73
  • Fellow + Child(ren): $86.68
  • 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