Student Health Insurance

Online Waiver for Incoming Students Starting Spring 2025 Available December 9th-February 4th

With a few exceptions (see details below), all undergraduate and law students are automatically enrolled in the student health insurance plan each fall and spring semester. Starting December 4th, 2024, click on this link if you are an undergraduate or law student enrolling for the first time during Spring Semester 2025, with other comparable health insurance coverage, and you wish to waive enrollment in the student health insurance plan for Spring 2025. New students who do not complete a waiver before February 4, 2025 will be enrolled in and charged for student health insurance.

How will I know if my waiver was received?

After you complete the online waiver, you will receive a confirmation email that your waiver was submitted. You will know when your waiver has been approved because the charge for student health insurance will be removed from your student account. Please allow up to 1 week for the charge to be removed. If you received the confirmation email over 1 week ago but don’t see the charge removed from your account, please contact Student Account Services.

Students enrolled in the Graduate School of Education & Counseling (GSEC) are NOT automatically enrolled in the student health insurance plan, so do not need to complete this waiver.  Distance law students who do not take any in-person classes are not automatically enrolled.

Trouble completing the waiver? If you receive an error message that there is no LC account associated with your ID number, please wait and try again after a week has passed. Otherwise, please contact stuhealthinsurance@lclark.edu.

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Benefits, costs, and effective dates for the 2024-25 Student Health Insurance Plan for Undergraduate and Law Students

The PacificSource provider network includes more than 46,300 in-network practitioners and facilities in Idaho, Montana, and Oregon, and in Clark, Cowlitz, Klickitat, Pacific, Skamania, and Wahkiakum counties in Washington.  If student subscribers need care outside of these network areas, a robust national network of providers is available through the Aetna Signature Administrators ^® network.

Visit this website to find an in-network provider in the United States.  If you are looking for a provider outside of Oregon, Washington, Idaho, or Montana, be sure to search for providers using the link for the Aetna Signature Administrators ^® network.

If you are an Undergrad or Law student and are NOT enrolled in student health insurance, but have recently lost health insurance coverage, and you are thinking you might want to enroll in the student health insurance program, please contact Jolie Allen in Student Accounts by emailing jallen@lclark.edu or calling 503-768-7832.  Email is the preferred method of contact.

If you are a GSEC student and are NOT enrolled in student health insurance, but have recently lost health insurance coverage, and you are thinking you might want to enroll in the student health insurance program, please contact PacificSource directly.  Benefits, costs, and effective dates for the GSEC health insurance plan is available here.

Specific questions about your coverage?  Call PacificSource at 541-225-2741 or 855-274-9814.

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All degree-seeking and visiting undergraduate and law students actively enrolled are required to have health insurance that is comparable to the student health insurance plan offered by the College.*  Students enrolled in the Academic English Studies program are also held to this insurance requirement.  This requirement also applies to students participating in Lewis & Clark Overseas and Off-Campus Programs, both international and domestic.

*Law students enrolled in the distance learning LLM and MSL programs are the sole exception to this requirement.  These students are not required to have health insurance, and are not allowed to enroll in the student health insurance program.

*If you are a visiting student from Hoksuei Gakuen, Waseda, SACM, the Embassy of Kuwait, Rikkyo or Konkuk, you will have health insurance coverage through your sponsoring organization so you will not be enrolled in student health insurance.  You do not need to complete a waiver. 

Lewis & Clark does NOT enforce a health insurance requirement for students in the Graduate School for Education and Counseling (GSEC), though GSEC students are strongly encouraged to have health insurance. GSEC students may voluntarily enroll in the student health insurance program.  Benefits, costs, and effective dates for the GSEC health insurance plan is available here.

With the exceptions identified above, all actively enrolled degree-seeking and visiting undergraduate and law students are automatically enrolled in (and charged for) student health insurance.  However, if these students have other health insurance coverage that is comparable** to the student health insurance plan, they may waive enrollment in the student health insurance plan.  Undergraduate and law students have just one opportunity at the start of each academic year to complete their online waiver and decline coverage for the academic year. (Students participating in an Overseas and Off-Campus Program should click here to learn about the additional waiver options that apply to them.)  Students who complete the waiver process will not be enrolled in or charged for student health insurance.   

**Please note that Oregon and Washington Medicaid participants generally qualify to waive enrollment in the student health insurance program, but Medicaid participants from other states usually do NOT qualify to waive student health insurance.  For individuals with Medicaid outside of Oregon or Washington, please click here for more information.

Note:  The above information applies to fall and spring semester only.  Students attending summer session are NOT required to have health insurance, although it is strongly encouraged.  For students enrolling in student health insurance, summer coverage is automatically included with spring coverage.

Information about benefits and costs for the 2024-2025 Student Health Insurance Plan

For students who are graduating:

Please note that students who are graduating cannot extend their insurance beyond the end of the policy period.  (For example, students who graduate in May cannot extend their coverage past August 14.)  

What LC Families with Kaiser HMO Need to Know

Looking for a specific provider in the PacificSource network?

PacificSource has a robust provider panel, both in Portland and nationally.  To find out if a provider is in-network with PacificSource’s Navigator network, visit https://www.pacificsource.com/studenthealth/ and select ‘Find a Doctor’. This link will allow you to search a variety of providers and facilities, not just “doctors.” 

Dependent Coverage

Coverage for dependents of Lewis & Clark students is not available.  Coverage is available through the insurance marketplace (see http://www.oregonhealthcare.gov).  

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For More Information

1. Specific questions about your coverage:  call PacificSource at 541-225-2741 or 855-274-9814.
2. Questions or concerns about particular claims; what is covered; conflicts/concerns with PacificSource; and issues with students getting into the waiver system:  call Mike Pigou (503-417-9235) at USI Northwest. 
3. Questions about billing for the student health insurance program; requests for changes to coverage (enrollment or waivers) based on qualifying life events: email Jolie Allen at jallen@lclark.edu.
4. Questions about appeals to waive coverage past the September 17th deadline: email Kerry Barnes at branom@lclark.edu.
5. Questions or petitions regarding comparability of a student’s/family’s coverage and whether it meets our waiver criteria; continuation of a student’s coverage after they leave the college:  email stuhealthinsurance@lclark.edu or call 503-768-8235.