Student Medical Insurance

2014-2015 Insurance Information


Eligibility

Your school-endorsed Student Health Insurance Plan offers you access to:

Aetna's nationwide network of doctors, hospitals, pharmacies and specialists throughout the country. An award-winning online secure member website, Aetna Navigator® Informed Health® Line – Our 24-hour toll-free number puts you in touch with experienced registered nurses and an audio library for information on thousands of health topics: Fitness Program, Alternative Health Care Programs, Weight Management Discounts, Zagat Survey® Healthy Dining, eDiets® , Mayo Clinic Bookstore.com and many more! Travel Assistance Services and Worldwide Medical Coverage is also offered while traveling or studying abroad.  OHSU sponsors a student health and dental plan and makes it available to students who meet their respective program enrollment requirements.  To determine if your  respective school or program requires health insurance, please contact your school or program admissions department. 

You may also elect to enroll spouses, domestic partners and children on the Aetna Student Health Insurance plan.

Enrollment is automatic at the start of your academic program. 

Enrollment/Costs

OHSU requires all eligible students to carry major group health insurance.  This year OHSU has partnered with Aetna Student Health to offer its University Sponsored Health Insurance Plan. Students can enroll themselves, their spouse or domestic partner as well as dependents on this plan. For students with other major group health coverage, an insurance waiver application is available.  New student coverage begins at the start of the month in which classes begin.

 

Costs:

2014/2015 Monthly Rates-Effective 8/1 for new students and 9/1 for returning (Distance and Local):

Aetna Student Insurance Rates

Portland Campus

14/15 Monthly Premium

*Adult dependents have access to JBT Primary and Behavioral Health services.

Non-Portland Area Campuses

Student ONLY

$ 295.09

$ 295.09

Spouse/Domestic Partner

$ 474.26*

$ 387.37

Child(ren)

$ 223.71

$ 223.71

Family

$ 697.38*

$ 610.40


 

Plan Details

Benefits

The student health insurance plan benefits begin on the first day of the month in which your classes begin and end on the last day of the month in which you are no longer eligible for coverage as a student (i.e. graduate, withdraw, complete your degree program, leave OHSU, etc). For a detailed list of the full plan and benefits, please visit the Aetna Student Health Insurance Website - Full Plan Details.


Dental and Vision Insurance

All eligible students are required to maintain dental coverage.  You may apply to waive dental insurance if you can demonstrate equivalent dental coverage.  Waiver deadlines remain the same for dental as they do for medical. 
Please visit the Aetna Student Health Insurance website for more information on how to waive dental coverage.

Vision insurance is included as part of your major medical insurance while you are on the university sponsored student health insurance plan. It is not subject to the deductible.

Preventive Care

Preventive care services are covered 100% and comply with the US Preventive Services Task Force Guidelines, for Grade A and B recommendations. For an in depth look at the guidelines and recommendations, please visit the US Preventive Services Task Force .

Coverage includes screening for malignancies according to risk groups, as well as pap smears, STD checks in high risk groups and HPV vaccines completed through age 26. For further questions regarding insurance coverage questions call or visit the Aetna Student Health website.

Prescription

Your student health insurance offers a prescription drug program through Aetna to make it convenient for you to fill your prescriptions. Find a Pharmacy, fill/refill a prescription, or get your prescriptions delivered right to your home.

Prescription Benefits through Aetna - Learn More

Maternity Program

Helping you and your baby grow healthy — together you get the Beginning Right Maternity management program with your Aetna health benefits and insurance plan. The program is offered to you throughout your pregnancy, and even after your baby is born-View PDF

Travel Assistance

On Call International provides Worldwide protection.  Benefits can be accessed if you are 100+ miles from home and for international travel.  Assists with lost prescriptions and emergency medical/political risk/natural disaster evacuation.  For more details-View PDF

 

Coverage

Students are insured year round (unless you have graduated, are taking a leave of absence or withdraw from your program). Your summer premiums are typically included in your winter and spring term bills unless your program specifies that attendance is required or your program is exempt. 

If you want to access the JBT Health & Wellness Center over the summer and are not enrolled, contact the JBT Health & Wellness Center to learn more.

Travel

On the Aetna Student Health plan, your insurance will insure you anywhere in the U.S.  Aetna has network providers available throughout the country.  If an Aetna provider is not available, go ahead and seek health care and contact the Aetna Student Health plan for billing arrangements. If you are traveling internationally and need care for an illness or injury, keep copies of all your health care bills as Aetna has provisions for reimbursement.  If you need to use the international evacuation insurance provided by Aetna, you must contact On-Call International (866.525.1596 or collect 1.603.328.1956) FIRST so that they can assist with arrangements.  If you purchase plane tickets first and then contact the carrier, you will not get reimbursed for the expense.

Dependent Enrollment

You can go to Aetna Student Health website to enroll dependents during open enrollment which will begin August 1st, 2014 for the 2014/2015 plan year and ends October 31st, 2014.  If you start your program prior to this date, please contact the JBT Health & Wellness Center for a paper application form.  Remember if you choose to insure your dependents, that you must enroll spouses, domestic partners and/or dependent children each year in the Aetna Student Health Insurance Program and re-enroll them annually thereafter.  Open enrollment is only available in the Fall and new students are allocated a 31 day window for dependent enrollment at the start of their program.  Otherwise, extenuating circumstances and/or a qualifying event (marriage, new baby, etc) require contact with the JBT Health & Wellness Center to enroll.

Spouses and domestic partners with the Aetna Student Health Insurance have access to JBT Primary and Behavioral Health services. 

Leave of Absence/Graduation

Graduation

Please note that your insurance coverage will terminate at the end of the month in which you graduate.  

For healthcare resources outside of OHSU's JBT Center please review our Community Resources PDF

Leave of Absence

Health insurance coverage will terminate at the end of the month in which you last attended class.  Please visit the leave of absence web page for additional information.

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2015-2016 Insurance Information


Eligibility

OHSU requires all eligible students to carry comparable medical health insurance.  All eligible students will be automatically enrolled in the student health insurance plan and have the student health insurance plan premium billed to their student account unless they have other comparable coverage AND complete and are approved for a SHIP waiver by the deadline.

For the 15/16 academic year, OHSU has partnered with PacificSource to offer its University Sponsored Student Health Insurance Plan. Students who are enrolled on the OHSU Student Health Insurance Plan can enroll their spouse or domestic partner as well as dependents on this plan. For students with other comparable health coverage, an insurance waiver application is available. 

Enrollment Periods/Costs

2015 – 2016  Continuation * Summer B Fall   Winter  Spring/Summer 

Spring Only**

Medical Rates  (includes vision) 9/1/15 – 10/1/15  8/1/15 – 8/31/15  9/1/15 – 1/3/16  1/4/16 – 3/27/16  3/28/16 – 9/21/16  3/28/16-6/30/16
Student  $293.68 $293.68 $1,168.41 $1,168.41 $1,168.41 $865.80
Spouse  $293.68 $293.68 $1,168.41 $1,168.41 $1,168.41 $865.80
Per Child  $293.68 $293.68 $1,168.41 $1,168.41 $1,168.41 $865.80
* Continuation is only available to September graduates for the 15/16 plan year

** 4th year graduating medical students only

Coverage periods for the 15/16 plan year are BY TERM.  No refunds are issued past the 100% refund deadlines for any change in student status. 

Plan Details

Pacificsource

 

PacificSource hours:

  • September through February: 7:00 a.m. to 7:00 p.m. (PT), Monday through Friday
  • March through August: 7:00 a.m. to 5:00 p.m. (PT), Monday through Friday

Qualifying Event

Eligible students who involuntarily lose coverage under another group insurance plan are also eligible to purchase the OHSU Student Health Insurance Plan. These students must provide Wells Fargo Insurance with proof that they have lost insurance through another group (certificate and letter of ineligibility) within 30 days of the qualifying event. Students can contact Wells Fargo Insurance at (800) 853-5899, Monday-Friday, 8:00am - 5:00pm. The effective date would be the later of: a) term effective date, or b) the day after prior coverage ends if enrollment request is received by within 31 days from loss of prior coverage.

Dependent Enrollment

Dependent coverage will be available for the 15/16 academic year through PacificSource. Dependent enrollment will be available a month prior to the term start date.  You will not be able to enroll your dependents prior to this. 

SUMMER B DEPENDENT ENROLLMENT IS NOW OPEN FOR NEW STUDENTS WHO START IN AUGUST

To enroll your dependents you will need to do so by phone by contacting Wells Fargo Customer Care at (800) 853-5899 by the deadline EACH TERM THAT COVERAGE IS DESIRED.  You will only be able to enroll dependents for the current term and cannot enroll them in future terms. 

Dependent deadlines are in line with waiver and 100% refund deadlines (see below).  Please remember if you choose to insure your dependents, that you must enroll spouses, domestic partners and/or dependent children  EACH TERM by the respective deadline or coverage will terminate at the end of the previous term's coverage  period.   

2015 – 2016  Continuation* Summer B Fall   Winter  Spring/Summer  Spring Only **
Medical Rates  (includes vision) 9/1/15 – 10/1/15  8/1/15 – 8/31/15  9/1/15 – 1/3/16  1/4/16 – 3/27/16  3/28/16 – 9/21/16  3/28/16-6/30/16
Spouse  $293.68 $293.68 $1,168.41 $1,168.41 $1,168.41 $865.80
Per Child *** $293.68 $293.68 $1,168.41 $1,168.41 $1,168.41 $865.80
Dependent Enrollment Deadlines N/A 8/21/2015 10/9/2015 1/15/2016 4/8/2016 4/8/2016
* Continuation is only available to September graduates for the 15/16 plan year
** 4th year graduating medical students only

*** We are no longer allowed to offer a family rate due to Healthcare Reform mandates

Student must enroll their dependent(s) every term that coverage is desired by contacting Wells Fargo Insurance Services by the deadlines above.

Dependent coverage will no longer be offered after 9/21/2016.

Leave of Absence/Late Admit

Leave Of Absence-University Approved

If leave is declared after the 100% refund deadline: the student will remain covered through the rest of the term coverage period and can elect one additional term of coverage (per academic career) if the LOA is an approved medical leave.  Enrollment and payment for this one term of medical leave coverage will be done directly through Wells Fargo Insurance Services.                                                                                                                                                         

If leave is declared prior to the 100% refund deadline: the student will not be covered for the term UNLESS it is an OHSU approved medical leave.  For those on an OHSU approved medical leave, they will have the option to enroll in the student health insurance plan for the current term only.  Enrollment and payment for the remainder of this term's coverage period will be done directly through Wells Fargo Insurance Services.  The student will NOT be able to elect an additional term of coverage.         

Previous enrollment in the prior term is required in order to qualify for a term of coverage for medical leave.  A maximum of one term of medical leave health insurance coverage will be granted during your academic career.

 

Late Admit 

Students that register after the 100% refund deadline will be enrolled in the whole term coverage period with backdated coverage from the start of this period.  If they wish to waive out of the SHIP, they will need to contact the JBT office for a paper waiver application form and have this completed within 7 days from the date they become enrolled.  If all of the waiver information is not received within 7 days of the late enrollment, they will have to wait until the next term's waiver period to apply.