Pacific University Digital Benefit Guide

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A Guide to Student Health Care Resources

2024-2025

Welcome to another great semester at Pacific University!

In this guide, you will find resources like: Where to go for health care on and off campus

Mental health services through the Student Counseling Center

Health Insurance 101

Information on the Student Health Insurance Plan (including how to waive or enroll)

And more!

HUB Campus Health Solutions 2024. All rights reserved.

Where to Go for Care

One of the top ways you can save money on health care expenses is going to the appropriate place to receive care when you need it. Try using the emergency room for true emergencies only to save money on your health care expenses.

Telemedicine

Use telemedicine for the timely treatment of acute or common illnesses, or when it is hard to access primary or urgent care. Providers can treat almost any condition or illness via telemedicine and it is the most affordable way to access care.

Primary Care

Visit your primary care physician for the timely treatment of acute or chronic illnesses, preventive care, and injuries. The Student Health Center is a great place to seek primary care!

Forest Grove

2142 College Way

M-F: 9am - 4pm

Hillsboro

730 SE Oak Street, Suite D

Tuesday & Thursday: 10am - 5pm

Please note: hours are reduced in the summer Check out the website for most upto-date information

Urgent Care

Visit an urgent care for illnesses and injuries that require immediate attention but are not life-threatening. The closest Urgent Cares to campus are:

Immediate Care, Forest Grove

1825 Maple St.

Forest Grove, OR 503-359-6180

Daily: 8am - 7:20pm

*appointment required

Emergency Room

BestMed Urgent Care

3675 Pacific Ave. Unit #101

Forest Grove, OR

971-762-4611

M-F: 7am - 7pm

Sat & Sun: 8am - 5pm

Visit an emergency room or call 911 for more serious or life-threatening conditions.

OHSUHealth Hillsboro Medical Center

335 SE 8th Ave.

Hillsboro, OR 97123

Open 24/7

Providence St. Vincent Medical Center

9205 SW Barnes Rd

Portland, OR 97225

Open 24/7

Learn more: Most insurance carriers offer the ability to estimate the cost of your care before you go

Check out this video for more tips on where to go for care!

Student and Employee Health Center (SEHC)

The Student Health Center at Pacific University’s mission is to provide accessible, quality healthcare and disease prevention to promote physical and emotional wellness

There are two locations: the Forest Grove Clinic (next to the admission office) and Hillsboro Clinc (3 blocks from campus)

All Pacific students have access to the Student Health Center - you do not need to be on the student health insurance plan to visit!

Forest Grove: 2142 College Way

Hillsboro: 730 SE Oak St, Suite D

Services Offered:

Annual wellness exams

Pap smears

Forest Grove: M-F: 9am to 4pm

Hillsboro:

Tu & Thurs 10am to 5pm

Both clinics closed for lunch 1pm to 2pm

503-352-2269

healthcenter@contact pacificu edu

Anxiety/depression medication management

Asthma/allergies

Blood pressure checks

Contraception/emergency contraception

Cold/flu/cough symptoms

Ear infections

Urinary Tract Infections (UTIs)

All services by appointment only. Same day appointments available!

Referrals to Specialists

STI testing and treatment

Travel Medicine

COVID testing

10 panel drug screening

EKGs

Lab orders

TB skin testing

Skin rashes and wart removal

Immunization services and more!

Call 503-352-2269 to schedule an appointment or check out their website here for more information!

The Importance of Primary Care

The most important factor in living a healthy life is to take a proactive approach. It is vital to make sure you are visiting your doctor each year for your annual physical and to build a relationship with your provider for ongoing primary care.

Preventive screenings are also crucial because they can help detect health conditions before they become a serious concern.

And best of all - preventive care is free!

Your preventive care visits and screenings are covered 100% by most insurance plans (including the student health insurance plan) if you see an in-network provider!

Annual Physical

Your annual visit to the doctor to receive your physical is covered 100% if you see an innetwork provider.

Vaccinations

Flu shots

COVID-19 vaccine

Meningococcal Measles/Mumps

Routine Screenings & Services

HIV Screening

Blood Pressure

Alcohol misuse screening

PrEP medication

Diabetes testing

Birth control (for individuals born female)

Not all primary care is covered 100%, but there are lots of services your primary care physician can provide!

Learn more: Check out this short video on the importance of having a primary care physician!

Mental Health Services

Enrolled students who have paid the Student Support Fee are eligible for services at the Student Counseling Center (SCC) - no insurance is required!

Forest Grove Clinic

2142 College Way

Monday - Friday: 9am - 5pm

Hillsboro Clinic*

730 SE Oak St. Suite D

Tues-Thurs: 10am - 6pm

*Hillsboro Clinic is open Monday 10am to 6pm and Friday 9am to 5pm for teletherapy only.

Services offered:

Crisis Services

Short Term Individual Counseling

Schedule an initial appointment here

Workshops

The Student Counseling Center aims to serve as many students as possible and has adopted a short-term therapy treatment model and are unable to provide long-term, comprehensive, or specialty psychological services Our providers will help with referrals if more comprehensive care is needed

Scope of Practice:

Our providers have a broad range of competency with the following presenting concerns when these concerns can be treated within a short-term treatment model

Crisis consultation and support

Low self-esteem

Mild to moderate mood related concerns

Relationship and family difficulties

Loneliness

Non-suicidal self-injury

Grief and loss

Emotional concerns

Cultural identity

See our website for more

Want to schedule an initial appointment at the Student Counseling Center?

Call 503-352-2191 or email counselingcenter@pacificu.edu

Need Crisis Support?

SCC 24/7 Support & Crisis Line: 503-352-2999 24/7 Washington County Crisis Line: 503-291-9111 National Crisis Lifeline: 988 Crisis Text Line: Text GO to 741741
Care or Emergency Room UrgentCare. Fever? UrgentCare. UrgentCare. Sore Throat? Attacked by a kitten? Broken Leg?
Room.
Emergency Room.
out? On Fire?
Urgent
Emergency
Emergency Room.
Passed

Student Health Insurance Plan

This guide will help you learn the basics and understand your benefits a little bit more Here’s what you need to know:

Who: You!

What: Pacific University Student Health Insurance Plan

When: Plan year runs August 1st, 2024, through July 31st, 2025

Where: To waive the plan or learn more about the benefit, click here.

Why Should I Elect the Student Health Insurance Plan?

Access to Care

If you plan to waive the plan because you have alternate coverage, make sure it provides coverage for services in Oregon and other states.

Rich Benefits

The average health insurance deductible is almost $2,000! The deductible for Pacific’s plan is only $300.

Am I required to have health insurance?

Cost Effective

It could be cheaper for you to elect the student health insurance plan versus staying on your parent’s plan. Make sure you compare the cost!

Adequate health insurance coverage is required for the following groups of students:

All domestic students enrolled in 3+ credit hours and Psychology or Music Therapy graduate students enrolled in 1+ credit hours

All international students on an F-1 or J-1 visa

HMO plans and out-of-state Medicaid coverage is NOT considered adequate alternate health insurance coverage.

If you do not have alternate coverage (for example through a parent’s plan, a spouse’s plan, a U.S.-based employer’s plan or VA Tricare) you must enroll in Pacific’s plan.

All students are automatically enrolled in the student health insurance plan unless they waive coverage by the deadline. If you do not waive the insurance plan, you will be charged for the coverage on your next tuition statement.

Student Health Insurance Plan

What’s the Benefit?

Pacific University’s student health insurance plan pays for part or all of the medical services you receive while you are a student. Services rendered at the SEHC are covered 100%. Labs are billed separately by facility and charges may apply.

How Does it Work?

You receive an ID card (can be physical or digital) to share with your health care service providers, such as your primary care physician, that will give them information about whom to bill for the services you receive. If your plan does not cover the claim in full, you will get an Explanation of Benefits (EOB) from your medical carrier after your visit. This document will tell you how much of the total cost was covered by the medical plan and the portion remaining for you to pay your medical providers (if applicable).

Considerations:

Many students automatically waive the student health insurance plan because they think the coverage would be too expensive or not as robust as their alternate coverage. That may not be the case, so be sure to take the following into consideration.

Are you an only child or the last child to leave home? It might be worth it to look at Pacific’s plan. If you select the student plan, your parent may be able to change coverage tiers (employee + family to employee + spouse or employee only) and save money by removing you from the plan!

Estimate your medical expenses for the upcoming year. If you expect to have any surgeries, procedures, or take any high-cost medications, having good health insurance coverage is essential to avoiding high medical bills.

If you choose to waive the student plan, be sure to check that your alternate coverage works in the Forest Grove, Oregon area.

Student Health Insurance Plan

**Disclaimer: It is recommended that you use in-network providers to receive care. You may be balanced billed if you receive care from an out-of-network provider. What does balance billed mean? Check out Health Insurance 101 on the next page!

*You can also visit the Student Counseling Center for a number of free mental health services

Premium

Please note: coverage for dependents is not available.

Benefits In-Network Out-of-Network Deductible $300 $550 Coinsurance 80/20 60/40 Out-of-Pocket Maximum $5,000 $10,000 Office Visits Primary Care Visit Specialist Visit Annual Physical $25 copay, then 20% $25 copay, then 20% Covered 100% 40% coinsurance 40% coinsurance 40% coinsurance Emergency Room $50 copay, then 20% $50 copay, then 20% Urgent Care $25 copay, then 20% 40% coinsurance Mental Health & Substance Abuse Treatment Office Visits* 20% coinsurance 40% coinsurance Prescriptions Tier 1 Tier 2 Tier 3 Specialty $20 copay $40 copay $65 copay $65 copay $20 copay, then 50% $40 copay, then 50% $65 copay, then 50% Not covered Annual Rate 8/1/24 to 7/31/25
$3,861

Health Insurance 101

Health insurance can be really confusing, but it doesn’t have to be! Use the glossary of terms below to brush up on your insurance knowledge Still have questions or not sure what something means? Find a full glossary of health insurance terms on HealthCare gov!

Deductible

The amount you owe for health care services each year before the insurance company begins to pay.

Out-of-Pocket Maximum

The maximum amount you have to pay for your health care during a year, excluding the premium. After you reach the out-of-pocket maximum (OOPM), your insurance begins to pay 100% of the allowed amount for covered health care services for the rest of the year

Coinsurance

Your share of the costs of a covered health care service; calculated as a percent of the allowed amount for the service

Copay

A fixed amount you pay for a covered health care service. The amount can vary by the type of service (e.g., primary care versus urgent care).

Balance Billing

When a provider bills you for the difference between the provider’s charge and the allowed amount by the insurance company. This can occur when you seek care out-of-network.

Provider

A doctor, hospital, facility, or pharmacy providing services. Premium

The amount you pay for your health insurance.

Important Contact Information Aetna Student Health Customer Service: 888-834-4704 24 Hour Nurse Line:1-800-556-1555 AetnaStudentHealth.com This packet is intended to provide a brief overview of your benefits. If there is a discrepancy between the enclosed documents and the certificate of coverage, the certificate of coverage will be the final determining document. HUB Campus Health Solutions 2024. All rights reserved. Student and Employee Health Center (SEHC) 503-352-2269
Forest Grove Clinic: 2142 College Way Forest Grove, OR 97116 Hillsboro Clinc: 730 SE Oak St. Suite D Hillsboro, OR 97123 Student Counseling Center (SCC) 503-352-2191 counselingcenter@pacificu.edu Forest Grove Clinic: 2142 College Way Forest Grove, OR 97116 Hillsboro Clinc: 730 SE Oak St. Suite D Hillsboro, OR 97123
healthcenter@contact.pacificu.edu
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