Health Care Frequently Asked Questions
How do I sign up for the insurance?
Enrollment for AY 2022/2023 will open mid-September.
It will most likely be a mixture of in-person and online. We appreciate the chance to have you come by the Union office so our benefits administrator, Glenn, can walk through the benefits with you and answer questions in real time. There is normally a big sign up during the New GE Orientation/Training during the week of welcome. More information will be going out about that.
Rest assured, we will get you enrolled in your contractually mandated benefits, and if you are international, get you waived out of the UO’s International Student insurance plan, in a timely fashion.
Also know your benefits administrator, Glenn, will be available to answer your questions now and in the future!
When does coverage start?
For Fall term, September 16th. You will not receive your forms, insurance card, etc. until after this date, but coverage for you and any dependents you enroll will be retroactive to September 16th. If you sign up partway through the year coverage for you and your dependents will be retroactive to the 16th of the first month of the term that you enroll.
Insurance runs from:
- September 16 – December 15 for Fall Term
- December 16 – March 15 for Winter Term
- March 16 – June 15 for Spring Term
- June 16 – September 15 for Summer Term
Can I add dependents? Does that include Domestic Partners?
Yes, and Yes. If you choose not to insure your dependents when you initially enroll yourself, you will have the option to add them during one of our two “Open Enrollment” periods. First one is August 16 – September 15. The second one is February 16 – March 15. You can also add a new dependent within 30 days of a qualifying event (birth, adoption, marriage, domestic partnership). All dependent additions are effective on the nearest 16th of the month following their qualifying event. If you’re adding a Domestic Partner you will need to complete an Affidavit of Domestic Partnership (available at the GTFF Office, or under the health care tab above, under “Forms.”) as well as a new insurance enrollment application (available from Glenn or at the office).
How much does insurance cost?
Rates found here
How you pay: All GE’s will fill out a payroll deduction form, allowing us to take the premiums you owe out of your paychecks every month, automatically. When you fill it out, it will create a grand total and that grand total is divided–equally–out of the number of months remaining in the REGULAR academic year (the UO payroll office cannot deduct over the summer if you have a summer GE).
Summer payment: If you: 1) have a spring GE and 2) are NOT graduating spring term, you may continue the coverage into summer. Note: summer premiums vary based on your summer employment. If you HAVE a summer GE, you pay 5% like the regular year. If you do NOT have a summer GE, you pay 20% of the premium. If you’d like to have your summer insurance premium deducted form your academic year paychecks you can do so by selecting the summer insurance option on the payroll deduction form you complete when you enroll. If you choose not to have your summer premiums deducted form your academic year paychecks you will be billed for the summer coverage in June.
How much is my deductible?
The deductible is $100 per person and $300 per family before plan benefits begin. Please refer to the summary guides (choose “Summary of Benefits” under the health care tab) for a complete description of coverage levels and provided services.
What is payroll deduction?
A small amount of money is taken out of your paycheck each month and goes into your summer insurance account. By the time summer rolls around you will have automatically paid for your summer insurance in small, painless chunks throughout the year rather than one really large chunk in June. We strongly recommend this option!
How do I sign up for summer coverage? Am I eligible?
If you’re a Summer GE (*any* session), or a Spring GE, without a Summer GE, who will be continuing in your program past spring term (e.g., graduating summer term or returning back to your grad program in fall term–with or without a fall GE), you’ll be eligible for summer coverage at the rates listed above. If you haven’t paid or summer coverage through payroll deduction over the academic year, you’ll receive an email in early June; consider this your summer bill. If you pay your coverage continues. If you do not pay, your coverage ends June 15th. If you graduate spring term your coverage ends June 15th–no exceptions.
If I had summer health insurance, do I have to sign up again in the fall?
You don’t need to fill out a new enrollment form but you do need to fill out a new payroll deduction form, or pay by check, for yourself and any dependents you’d like to continue coverage for.
If I had coverage last year, but didn't have summer health insurance, do I have to re-apply?
Yes. Anytime there is a lapse in coverage, you need to come into the GTFF office and reapply for health insurance.
How do I find a Preferred Provider?
I.e., want to maximize your benefits and get insurance to pay 90% of medical bill (instead of 70% for out of network providers) after you meet your annual deductible? Go to Regence.com –> upper right side “Find a Doctor” –> Scroll down to “For Guests” and then “Search Now” –> Select “All Networks” and then “Medical–Oregon, Clark County WA Employer sponsored plans” –> Then “Preferred.” From there, type in city and type of doc you want. IF they come up, they are participating and you’ll pay 10% after deductibles, if they list “Blue Distinction Total Care Provider” you pay 5% after deductible.
Can I use the UO Student Health Center?
Yes. This is a very good option; it is conveniently located on campus. Most medical services and office visits at the Center will carry no charge! The only thing that is not covered 100% will be: massage, acupuncture, and physical therapy. Please note: the UOHC dental clinic is *not* part of our new Dental Advantage Essentials DMO network, so if you are on the HMO dental plan, you won’t be able to utilize the UOHC dental clinic. The UOHC is able to bill your Regence insurance direct! Be sure to let them know you have our insurance.
Do I have to pay up front?
In most cases, no. However, if you are using a non-preferred provider, or the pharmacy at the student health center, they might require some kind of payment. As long as you use preferred providers and major chain pharmacies, you should never have to pay up front. If you use the Student Health Center you can bill your student account.
How do I file a claim?
If you are using a preferred provider, they should take care of all the claims processing for you. Be sure you give them your insurance information when you get there. If you are using a non preferred provider, or your doctor didn’t bill the insurance company, for whatever reason, submit your medical receipts to Regence via your regence.com account. Sign in, then go to “Member Dashborad” —> “Claims” —> Yellow “Submit a Claim” button —> follow directions from there.
Benefits do not carry over, so if you don’t use it during the current plan year it’s gone. All benefits reset September 16. If you met your medical deductible, that also resets at the same time.
What is my group number?
It’s 10039042. Your ID number is the number shown on your insurance card.
What is Pacific Source's Address?
I have still have questions about our health care plan. Whom do I contact?
Contact our benefits administrator at the GTFF office, Glenn Morris (541) 344-0832 or email@example.com.
More questions? Ask Glenn, firstname.lastname@example.org.