Health problems happen. Unexpected health care expenses such as those associated with unexpected illness, accidents, or mental health care can destabilize a student's financial situation and derail his/her progress toward a degree. Students are expected to have comprehensive health insurance (see definition below) that will cover them in Portland Oregon, while away from their “home network” of medical providers. These potential barriers to attendance and degree completion are reduced when students have health insurance.
The Federal Government now requires all persons living the United States to have health insurance. See links below for the Oregon/Federal health care insurance plan options. You may choose to purchase insurance through a private vender. Concordia University does not endorse or recommend any particular insurance plan and makes no guarantees on the costs of a particular plan or how claims will be paid. We encourage you to seek help, perhaps from an insurance broker, if you need help understanding the insurance products.
What is comprehensive health insurance?
- Provides coverage for medically necessary care (accident and sickness) in the Portland Oregon area.
- Insurance plans that provide emergency-only or accident-only coverage do not meet the comprehensive health insurance requirement.
- Most health insurance plans, whether they are fee-for-service, HMOs, or PPOs, do not pay for all health care services. Some may not pay for any services if you are out of your “home network”. Some may not pay for prescription drugs. Others may not pay for mental health care. Covered health care services are those medical procedures the health insurer agrees to pay for. They are listed in the health insurance policy
- Will remain in force throughout the academic year.
- Provides inpatient and outpatient mental health care within the Portland Oregon area.
Health insurance resources
The following web sites can help with insurance decisions and how to purchase health insurance