All undergraduate students taking 12 or more credit hours must have 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. University of Portland has set the waiver criteria to ensure all students have adequate access to care while attending university.
To waive coverage, visit waive.pacificsource.com/univ by:
You are eligible to purchase student health insurance if taking 6 credits or more. See the table below for enrollment periods. 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/up by:
| Student Type | Fall Semester 8/15/24 – 12/31/24 |
Spring Semester 1/1/25 – 8/14/25 |
Summer Semester 5/12/25 – 8/14/25 |
|---|---|---|---|
| Undergraduate | $1,643.00 | $1,643.00 | $855.50 |
| Graduate | $2,176.50 | $2,176.50 | $1,133.00 |
| Graduate Student Enrollment Period | 7/14/24 – 9/15/24 | 12/1/24 – 2/1/25 | 4/12/25 – 6/14/25 |
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 | |
|---|---|---|
| In-Network | Out-of-Network | |
| Contract-Year Deductible | $1,000 (U.S.) $500 (International) |
$2,250 |
| Contract-Year Out-of-Pocket Limit | $6,000 | $18,000 |
| Medical Coverage | You pay: | |
| Preventive Care | $0 copay | 50% after deductible |
| Primary Care or Naturopath | $30 copay | 50% after deductible |
| Specialist | $60 copay | 50% after deductible |
| Mental Health/Chemical Dependency | $25 copay | |
| Chiropractic (20 visits/contract year) |
$30 copay | 20% after deductible |
| Acupuncture (12 visits/contract year) |
$30 copay | 20% after deductible |
| Urgent Care | $30 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., 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.
Does the health insurance include dental coverage?
The University of Portland Student Health Insurance Plan has a pediatric dental benefit. This is ONLY for students who are age 18 or younger. If you are age 19 or older, you may purchase a standalone plan from PacificSource at Shop Individual and Family Health Plans – PacificSource.
Am I eligible for the student health insurance plan?
All undergraduate students taking 12 or more credit hours are eligible and required to carry medical insurance. Graduate students are eligible if they are taking courses that meet the full-time requirement of 6 credits or more. If you are an undergraduate taking less the 12 credit hours and would like to enroll in the student health insurance plan, please contact the University of Portland’s Student Accounts Office.
If I have my own coverage that meets the waiver requirements, how often do I need to submit a waiver application?
University of Portland requires a completed waiver at the beginning of each semester, in the fall AND in the spring/summer semesters.
Does the student health insurance cover student medical expenses off campus or when traveling (e.g., to home state)?
Yes, the student health insurance covers medical expenses while off campus and when travelling.
How can I find in-network providers?
You can use the find a provider tool at pacificsource.com/find-a-doctor. While this list is kept up-to-date, we recommend confirming with both the provider and facility that they are in-network before the time of service to ensure the lowest out-of-pocket costs.
How can I download an ID card?
Please visit intouch.pacificsource.com/members/idcard/printable and enter your name, DOB, and Student ID.
What happens if my waiver application is denied?
All students are required to carry medical insurance that allows comprehensive access to care in the Portland metro area. If your waiver application is denied for not meeting the University of Portland requirements, you will be required to take the University of Portland 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 parents’ coverage mid semester? Can I join the University of Portland 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 should you experience a QLE.
Group #: G0035866
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: 503-943-7134
Monday – Friday, 8:30am – 4:30pm
Email: hcc@up.edu
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
Website: up.edu/studentaccounts/health-insurance/index.html
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.
