Health Insurance Information
Frequently Asked Questions - 2016-2017 Programs
What health coverage do I have during my overseas program?
Undergraduate students traveling abroad on overseas programs sponsored by Lewis & Clark are automatically enrolled in a supplemental travel insurance policy offered by iNext and underwritten by Nationwide Mutual Insurance Company. This travel insurance policy is not provided to students on domestic off-campus programs. The iNext policy contains some limited health benefits, and is designed to be supplemental to other comprehensive health insurance. It includes benefits for emergency sickness and emergency accident medical expenses, up to $500,000, and also includes a variety of other coverages. We encourage all students (and their families) to be familiar with the specific benefits of the supplemental travel insurance policy prior to departure.
How am I enrolled in iNext coverage?
Lewis & Clark will automatically enroll you in the policy before you go abroad. You will receive a welcome letter confirming enrollment and will receive a username, password and personal policy number. You can then go to the iNext website and login with these credentials. This will allow you to upload a photograph and put in a mailing address if you would like to receive a card. You can access your plan online without the physical card.
As a student, I have been automatically enrolled in the College’s Student Health Insurance program while I have studied in Portland. Will I be automatically enrolled in that program for the semester I study abroad?
No. For the semester students are studying abroad, they are NOT automatically enrolled in the PacificSource Student Health plan. But students can choose to continue to be enrolled in the PacificSource Student Health Insurance policy by making a request to Student & Departmental Account Services (email@example.com) and paying the semester premium. That premium is NOT included in your fees for you overseas program. However, the iNext supplemental travel insurance policy (or comparable coverage) is included in your overseas program fees.
If you normally provide your own insurance either through you parents or a private provider, and you feel their coverage is adequate to ensure your health & safety while abroad, you may continue with this insurance and you do not need to “opt-out” of L&C insurance as you usually would for a semester on campus.
If you normally do choose to be insured through Lewis & Clark’s PacificSource plan, or if you would like to enroll in this comprehensive insurance for your semester abroad, you need to “opt-in”. Please note that this is different than a normal semester spent on campus, where you would be automatically enrolled in Blue Cross insurance. If you would like to have PacificSource coverage while you are abroad, you need to ‘opt in’ to this coverage by filling out this form electronically. Insurance is purchased one semester at a time, with fall coverage running from mid-August through December, and spring coverage extending from January through mid-August, so will need to opt-in even if you believe you are already insured through Lewis & Clark.
When does my travel insurance take effect? When does it end?
All coverage (except trip cancellation) takes effect at 12:01 a.m. local time at the location of the Insured, on the latter of the scheduled departure date, or upon the student’s departure from the U.S.A. Please be aware that this means that students will generally have no health benefits through the travel insurance policy prior to their departure for their program.
Coverage ends at 11:59 p.m. local time on the scheduled return date for the program.
What are the specific benefits of my travel insurance?
Your travel insurance includes benefits for trip cancellation, trip interruption, trip delay, accidental death & dismemberment, emergency sickness, emergency accident, emergency evacuation, repatriation of remains, baggage/personal effects, and baggage delay. Emergency treatment means necessary medical treatment, including services and supplies, which must be performed during the program due to the serious and acute nature of the sickness or injury. We recommend that all students (and their families) review the policy prior to departure to assure a thorough understanding of benefits and limitations.
What are some of the key exclusions of my travel coverage?
Exclusions include losses associated with:
- Pre-existing conditions (see the policy for the definition of a pre-existing condition).
- Participation in bodily contact sports; skydiving; hang-gliding; parachuting; mountaineering; any race; bungee cord jumping; speed contests; scuba diving; spelunking or caving; heli-skiing; and extreme skiing/snowboarding
- Dental treatment, except as a result of an injury to sound natural teeth, in which case benefit is limited to $750.
- Injury or sickness when you are traveling against the advice of a physician.
- Care received in the United States (for example, if you must temporarily return from your program for any reason).
Emergency accident and sickness benefits are capped at $500,000.
Note that this is not a full listing of exclusions. For that listing, see the policy document.
Do I really need other health insurance?
Yes. Your supplemental travel insurance is designed to supplement other health insurance, and to ensure that you have access to key medical services and other benefits while you are abroad. It does not meet the requirements of the Affordable Care Act.
What happens if I want to stay abroad and travel after my program?
You may extend the benefits of your travel health insurance to support your post-program travel. You should contact firstname.lastname@example.org to determine the cost of such an extension. Once you are enrolled in your policy, you can login to extend the coverage up to 30 days beyond the program dates. Students should never engage in post-program travel without adequate health insurance in place.
What if I need to return unexpectedly to the US during my program?
Under this circumstance, your iNext travel insurance benefits would not apply during the time you are in the United States.
At the beginning of my next semester AFTER I finish my overseas program, will I automatically be enrolled in the College’s Student Health Insurance plan? What if I don’t want that?
Student will be automatically enrolled in the College’s Student Health Insurance policy for the full year, starting in the fall semester (even if their program is only a semester in length) unless they waive out. However, students returning from study abroad have a limited period of time during their next semester back on campus when they can waive out or opt into enrollment in the College’s Student Health program. See the Student Health Insurance website for more information about waiving out of health insurance as a student studying in Portland.