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 who wish to opt-out of the Reed College Student Health Insurance must do so by the fall waiver deadline. Additionally, any newly admitted students in the spring who wish to opt-out will need to waive coverage by the spring deadline.
To waive coverage, visit waive.pacificsource.com/reed by September 3, 2024 (Fall) and January 27, 2025 (Spring).
| Student Type | Fall Semester 8/15/24 – 12/31/24 |
Spring Semester 1/1/25 – 8/14/25 |
|---|---|---|
| Domestic Undergraduate | $1,881 | $1,881 |
| International Undergraduate | $1,344 | $1,344 |
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 enroll.pacificsource.com/reedmals.
| Student Type | Fall Semester 8/15/24 – 12/31/24 |
Spring Semester 1/1/25 – 5/31/25 |
Summer Semester 6/1/25 – 8/14/25 |
|---|---|---|---|
| MALS Students | $1,897.50 | $2,061.50 | $1,024 |
| Enrollment Period | 7/15/24 – 9/15/24 | 12/1/24 – 2/1/25 | 5/1/25 – 7/1/25 |
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 studenthealthinquiries@usi.com for additional information.
| 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 | First 3 visits: $5 copay Subsequent visits: $25 copay |
50% after deductible |
| Specialist | $50 copay | 50% after deductible |
| Mental Health/Chemical Dependency | First 3 visits: $5 copay Subsequent visits: $20 copay |
$20 copay |
| Chiropractic (20 visits/contract year) |
$25 copay | 50% after deductible |
| Acupuncture (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.
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.
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:
You are eligible for the following vision coverage each benefit year in which you are eligible:
Access your benefits anytime, anywhere with the myPacificSource mobile app via the App Store or Google Plan. Log in with your InTouch account to:
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.
Locate a healthcare provider or facility in your plan’s network. Click here.
Click here for immediate access to your insurance ID card.
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 medservices@assistamerica.com.
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 8/15/2024 – 8/14/2025) if you meet the eligibility requirements. However, if you are an undergraduate student newly admitted for the spring, your coverage will run from 1/1/2025 – 8/14/2025.
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.
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 StudentHealthInquiries@usi.com for more information if you experience a QLE.
Group #: G0035865
Phone: 855-274-9814 TTY: 711
Email: studenthealth@pacificsource.com
Plan Details/Find a Provider: pacificsource.com/find-a-doctor
Terms & Definitions: pacificsource.com/glossary.aspx
ID Card: intouch.pacificsource.com/members/idcard/printable
Phone: 503-777-7281
Monday – Friday, 9am – 5pm
Email: health-services@reed.edu
Website: reed.edu/student-accounts/health-insurance.html
Reference Number: 01-SES-PSH-08153
Phone: 877-488-9833 (inside U.S.) or 1-609-452-8570 (outside U.S.)
Email: medservices@assistamerica.com
Phone: 800-251-4246
Email: studenthealthinquiries@usi.com
This website highlights some of your benefit plans. Your actual rights and benefits are governed by the official plan documents. If any discrepancy exists between this communication and the official plan documents, the plan documents will prevail. The company reserves the right to change any benefit plan without notice. Benefits are not a guarantee of employment.
