Reed College

Who Is Eligible?

Undergraduate Students

All undergraduate students are required to carry medical insurance. You will be automatically covered under the student health insurance plan, and the premiums will be charged to your account, unless you waive coverage and show proof of comparable coverage with another plan. Reed College has set the waiver criteria to ensure all students have adequate access to care while attending school. All students are required to waive coverage for the fall AND the spring semesters should they wish to opt-out of the Reed College student health insurance.

To waive coverage, visit by August 28, 2023 (Fall) and January 22, 2024 (Spring).

Waiver Requirements

  • Your plan provides access to health care providers in the Portland area for emergency and non-emergency conditions. Note: Plans that provide benefits only for emergency and/or urgent care do not satisfy this criteria. Likewise, if you have an HMO and the Portland area is out-of-network, your coverage doesn’t meet this criteria. If your HMO offers guest privileges in the Portland area, you can potentially meet this criteria by obtaining guest privileges. You must contact your insurer to receive guest privileges prior to waiving coverage.
  • The plan is currently active, and you agree to maintain health insurance coverage throughout the entire academic year.
  • Your health insurance plan is ACA-compliant (short-term medical plans are not ACA-compliant).
  • The Plan covers inpatient and outpatient Mental Health Care within the Portland Area (emergency only coverage does not satisfy this requirement).

Undergraduate Student Health Insurance Cost

Student Type Fall Semester
8/15/23 – 12/31/23
Spring Semester
1/1/24 – 8/14/24
Domestic Undergraduate $1,919 $1,919
International Undergraduate $1,371 $1,371

Graduate Students (MALS)

You are eligible to purchase student health insurance. You must re-enroll in coverage each semester. Premium is paid directly to PacificSource at the time of enrollment.

To enroll in coverage, visit

MALS Student Health Insurance Cost

Student Type Fall Semester
8/15/23 – 12/31/23
Spring Semester
1/1/24 – 5/31/24
Summer Semester
6/1/24 – 8/14/24
MALS Students $1,931 $2,112 $1,042
Enrollment Period 7/15/23 – 9/15/23 12/1/23 – 2/1/24 5/1/24 – 7/1/24

Qualifying Life Event

If you have lost your health insurance coverage, you may be eligible to join the student health insurance plan under a Qualifying Life Event. Please contact for additional information.

Your Medical Benefits

Plan Features PacificSource PPO (Navigator)
Group #G0035865
In-Network Out-of-Network
Contract-Year Deductible $300 $900
Contract-Year Out-of-Pocket Limit $3,500 $10,500
Medical Coverage You pay:
Preventive Care $0 copay 50% after deductible
Primary Care or Naturopath $25 copay 50% after deductible
Specialist $50 copay 50% after deductible
Mental Health/Chemical Dependency $20 copay
(20 visits/contract year)
$25 copay 50% after deductible
(12 visits/contract year)
$25 copay 50% after deductible
Urgent Care $25 copay 50% after deductible
Emergency Room $200 copay (waived if admitted)
Prescription Drugs  
Preventive $0
Tier 1 $20 copay
Tier 2 $35 copay
Tier 3 $55 copay
Tier 4 $80 copay

Note: In-network and out-of-network provider charges accumulate separately toward the deductibles and out-of-pocket limits.

FREE In-Network Preventive Care

Annual checkups help you stay healthy. Take care of yourself by using your FREE in-network preventive care benefits each year! Preventive care visits allow you to take action early and keep treatable health issues from becoming chronic conditions.

Call your doctor and dentist to schedule your FREE annual checkup today. Need to find a doctor? Click here.

Dental & Vision Coverage (Students 18 & Younger)

Students age 18 and under have access to dental and vision benefits up to the last day of the month in which you turn 19.


You are eligible for the following dental benefits each benefit year in which you are eligible:

  • Dental exams and cleanings
  • Full mouth x-ray
  • Fillings
  • Topical fluoride, sealants, space maintainers, athletic mouth guards, and more


You are eligible for the following vision coverage each benefit year in which you are eligible:

  • Preventive vision exam
  • Frames, lenses, or contact lenses

Additional Resources

Get the App

Access your benefits anytime, anywhere with the myPacificSource mobile app via the App Store or Google Plan. Log in with your InTouch account to:

  • View your member ID
  • Call the 24-hour NurseLine
  • Find a doctor or hospital
  • Check your deductible and out-of-pocket totals
  • Find out which services are covered


Visit the InTouch to view your ID card, check claims, get the status of prior authorizations, determine how much you’ve paid toward your deductible, and more.


Using InTouch, gain access to online, personalized guidance and support to live a healthier life.

Find a Provider

Locate a healthcare provider or facility in your plan’s network. Click here.

Print Your ID Card

Click here for immediate access to your insurance ID card.

Global Emergency Services

PacificSource student policyholders traveling 100+ miles from home or campus, or studying abroad, have access to a global emergency assistance program through Scholastic Emergency Services (SES). SES immediately connects you to doctors, hospitals, pharmacies, and other services if you experience a medical or non-medical emergency while away from home.

Call SES at 877-488-9833 (inside U.S.) or 1-609-452-8570 (outside U.S.). Use the reference number 01-SES-PSH-08153. You can also email


Joyages is a FREE, on-demand coaching app that teaches skills for managing life’s ups and downs. The app helps you develop positive habits and mindset changes. In just three minutes a day, you can use Joyages to become happier and ready to take on life’s challenges. 

Download the Joyages app to get access to:

  • 24/7 program resources
  • On-demand digital therapy
  • Customized assessments
  • Personalized support
  • Habit trackers
  • Guided journals
  • Personal development content
  • Videos
  • Activities

To get the Joyages app, visit the App Store or Google Play and type in Joyages. After clicking “create an account”, enter “RCSTUDENT” where you see the “Unlock Code.” Email if you have any questions.

2023-2024 Student Health Insurance Plan

Mental Health Video

PPO Video

Healthcare System Video

Primary Care vs Urgent Care vs Emergency Room Video

Is the student health insurance comprehensive, i.e., includes hospitalization if needed? 

Yes, the plan offered is ACA compliant and covers all Essential Health Benefits. It is rated as a Gold level plan for those familiar with metal levels for ACA plans.

Am I eligible for the student health insurance plan?

All undergraduate students are eligible and required to carry medical insurance. Graduate students (MALS) are also eligible for coverage.

What is the coverage period?

The plan runs for 12 months (the full academic year 8/15/2023 – 8/14/2024) if you meet the eligibility requirements. However, if you are an undergraduate student newly admitted for the spring, your coverage will run from 1/1/2024 – 8/14/2024.

If I have my own coverage that meets the waiver requirements, how often do I need to submit a waiver application?

Reed College requires a completed waiver at the beginning of each academic year (in the fall). If you are a newly admitted student for the spring, you will be required to submit a waiver at this time.  

What is in-network in the Portland area in case I need hospital services or urgent care?

The current options include, but are not limited to: Legacy Health, Legacy Health Partners, The Portland Clinic, and OHSU. Urgent Cares, such as ZoomCare and Legacy Go Health are in-network. However, contracts can frequently change, and we highly recommended you always confirm with the provider close to the date of service that they are in-network. To help with this process, you can use the Find a Doctor tool on PacificSource’s website and search by entering your zip code to narrow the results for your preferred area.

Does the student health insurance cover student medical expenses off campus when traveling, or back in a home state?

Yes, the student health insurance covers medical expenses while off campus, when travelling, and when in a home state.

  • The network while in OR, WA, ID & MT is Navigator.
  • The network outside of these 4 states is Aetna.
  • Student health insurance also covers students at the in-network level while abroad.
  • A useful tool is Find a Doctor/Drug located on the PacificSource Reed College home page. You can search for an in-network provider based on your location, just enter a zip code. Always remember to confirm with the provider and the physician that they are both in the applicable network to avoid out-of-network costs. 

What happens if my waiver application is denied?

All students are required to carry medical insurance that includes comprehensive access to care in the Portland metro area. If your waiver application is denied for not meeting the Reed College requirements, you will be required to take the Reed College Student Health Insurance. Should you choose to appeal a denied waiver, please follow the instructions provided on your denied waiver email from PacificSource.

What happens if I lose my own or my parent’s coverage mid semester? Can I join the Reed College Student Health Insurance Plan?

You may be eligible to join the plan mid-semester if you experience a Qualifying Life Event (QLE) such as loss of coverage. Please contact USI Student Health Inquiries at for more information if you experience a QLE.

Reach Out to the Experts


Group #: G0035865
Phone: 855-274-9814 TTY: 711
Plan Details/Find a Provider:
Terms & Definitions:
ID Card:

Health & Counseling Center

Phone: 503-777-7281
Monday – Friday, 9am – 5pm



Reed College Student Health Insurance


Scholastic Emergency Services (SES)

Reference Number: 01-SES-PSH-08153
Phone: 877-488-9833 (inside U.S.) or 1-609-452-8570 (outside U.S.)


Phone: 800-251-4246