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The Graduate Employee Health Plan through PacificSource includes platinum-level coverage for medical, dental, and vision services. Read the information below to learn more about eligibility, mandatory insurance, cost and coverage.
Per the Coalition of Graduate Employees (CGE) union bargaining agreement, Article 28, Oregon State University contributes 89% of the monthly premium for the employee and dependent coverage, plus 50% of the administration fee. The employee pays 11% of the monthly premium for themselves and dependent coverage, plus 50% of the administration fee.
The following amounts are your responsibility:
|Employee only||Employee + spouse/partner||Employee + child(ren)||Employee + family||Dental only (no OSU contribution)|
Cost of coverage
* These rates are deducted pre-tax. Please also see the Summer Session insurance section below for required summer insurance prepay rates.
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 four to six 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 a billing specialist at 541-737-8370.
How do I use my coverage outside of Student Health?
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 equal or superior 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 by the first of the month for which you are eligible (Oct. 1 for fall term).You will be notified via email with a decision of waiver approval or denial.
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 2018-19 plan year (per month)*:
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 1. 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 – Dec.1; Winter term – March 1.
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.