1. PSU Insurance Requirement Overview & Aetna Student Health Insurance Plan  PSU requires all domestic students taking 5 or more in-load credits (1 credit for international students) to have major medical insurance.  Once students enroll for the appropriate number of credits they are automatically enrolled in the PSU Aetna Student Health Insurance Plan and their student account is charged.  If a student has comparable health insurance, they may waive out of the student plan.

2. Costs of Common Medical Procedures  Emergency Room Visit: $600-$1500  MRI: $1,000 - $4,000  CT Scan: $900 - $1,300  Broken Arm: $4,000 - $16,000  Torn ACL: $12,800  Appendectomy: $12,000 - $18,750  90 day Alcoholism Treatment Program: $35,000  Treatment for Eating Disorder: $12K- $30K per month

3. Aetna Student Plan Benefits PSU Student Health Insurance Plan 2014-15 Medical Max per Academic YearUnlimited (*$5,000 out of pocket max) Deductible$300* Co-insurance80% in-network Co-pays$20 per visit Prescriptions$30/$50/$60 copays ($20 at SHAC) Emergency Room$250 copay, paid at 80% Physician and Specialist Visits$20 copay, paid at 100% Mental Health and Substance Abuse Expense (outpatient) $15 copay, paid at 100% Surgery$100 copay, paid at 80% Physical Therapy/Chiropractic$20 copay, paid at 80% (30 visits) Maternity$20 copay, paid at 80% * If using Aetna in-network providers

4. Who is Eligible for the PSU Plan?  All Domestic students taking 5 or more in-load credits (non-restricted differential credits may not count towards eligibility and it is the student’s responsibility to verify types of credits).  All International students taking 1 or more credits.  If you take a term off, or are less than the eligible credit load, you will lose your insurance unless it is a medical withdrawal.

5. How Much Does it Cost?  Fall Term = $694  Winter Term = $694  Spring/Summer = $694 (Summer coverage is included in Spring’s cost regardless of graduating, traveling, or taking classes)  Dependent coverage is not available for domestic students’dependents due to high cost.

6. Students with Comparable Coverage* may waive out of the PSU Plan (once per academic year) *Comparable Coverage:  Must have deductible of $2,500 or less  Must have at least 80% of inpatient hospitalization  Oregon Health Plan is considered “comparable” Please note: Students can get back on the student plan if they lose their outside health coverage and are above 5 credits.

7. How Do I Waive Out of the PSU Plan?  You should wait at least 72 hours after you register so you are in the database.  Online waiver takes less than 5 minutes  Have your insurance information nearby for reference. Waiver application: www.pdx.edu/shacwww.pdx.edu/shac  Click “Domestic Student” or “International Student”  If waiver is denied, there is an instant online appeal process

8. Learn More: Visit the SHAC website for insurance information: http://www.pdx.edu/shac/insurance Contact: Insurance Email: insurancehelp@pdx.edu insurancehelp@pdx.edu Insurance Hotline: (503) 725-2495