Mandatory insurance provided by PacificSource

The Graduate Employee Health Plan through PacificSource includes coverage for medical, dental, and vision services. Graduate Fellows are required to either enroll in the PacificSource Health Plan or waive out with comparable coverage.

Forms & policy information

Cost of coverage

Oregon State University contributes 90% of the premium for the fellow and dependent coverage, plus 50% of the administration fee. The remaining 10% of the premium for the fellow and dependent coverage and 50% of the administration fee is charged to the OSU student account monthly. This portion is to be paid by the fellow, unless their specific funding covers their insurance expenses.

The following amounts are your responsibility:

2021-2022 premiums

  Fellow only Fellow + spouse/partner Fellow + children Fellow + family Dental only (no OSU contribution)

Cost (per month)

$53.79 $105.82 $90.20


Frequently asked questions
  • How do I pay for this?
    • Premiums will be charged to your OSU student account at the end of each month that you have coverage. Graduate Fellows are financially responsible for prompt payment of these expenses.
  • When will my insurance be effective?
    • Your insurance begin date is dependent on your fellowship start date.

    • 1st – 15th of the month: Coverage starts the 1st of the same month.
    • 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 complete?

    • Enrollment forms and waiver application forms are to be submitted to the OSU Office of Human Resources Graduate Benefits 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.

  • 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 the fall term open enrollment period
      • When a qualifying life event occurs
    • Qualifying life events include: birth, marriage, permanent move to U.S., adoption, involuntary loss of other group coverage, etc.
    • Once enrolled, you may only remove your dependents from your plan during fall term open enrollment, or when a qualifying life event occurs. A qualifying event in this case could be: divorce/separation, dependent gains other health coverage, or dependent moves outside the U.S.
  • How do I get my insurance card?
    • Once you are active on your insurance plan you can access your temporary insurance card on the PacificSource webpage. PacificSource will mail a permanent card to your address on file with the university once your coverage begins. You can create an InTouch for Members account through the webpage to update your mailing address, access benefit summaries, claim statuses and explanation of benefits, deductible accumulators and more. This same information can be accessed by downloading the myPacificSource app on a mobile device.
  • How is PacificSource billed for my services at SHS?
    • You must provide Student Health Services with a copy of your health insurance card at the time of your visit for insurance to be billed. If you do not have a copy of your insurance card at the time of your visit, you must provide a copy to the Student Health Billing Office as soon as it is available to request billing. 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 541-737-2068, or visit their office in Plageman Building Room 115.

  • 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 – Voyager). 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 Office of Human Resources Graduate Benefits by the first of the month for which you are eligible (October 1st for fall term). You will be notified via email with a decision of waiver approval or denial.
  • How does insurance work during summer session?
    • If you 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, you 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 as was held during the academic year. The premiums are triple charged to your OSU student 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 1.

      No changes will be allowed after this deadline.

      ** If your fellowship 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 graduate fellowship ends?

    • You have the option of enrolling the COBRA continuation plan for up to 18 months as needed once your fellowship ends. 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.

    • More information regarding COBRA

  • Additional questions?