All UO students are strongly encouraged to carry health insurance that is in-network with University Health Services and works well in the Eugene/Springfield area. University Health Services charges usual and customary fees, so it is important to make sure your health insurance plan will cover services received on campus. If you are not certain of your coverage, please call your health plan directly and ask questions.
In addition, you can use the tools below to help you make an informed decision about your health insurance needs.
UO Student Health Insurance
Eligible students may purchase the Student Health Benefits Plan, a federally certified plan with excellent on-campus coverage and a nationwide network of providers. The UO offers this plan as a tool to help ensure affordable access to health care and to avoid unexpected medical bills or other health-related barriers to student success.
Why Have Insurance?
All students are strongly encouraged to have health insurance that works well at University Health Services and in the Eugene/Springfield area. Healthcare can be expensive; having effective health insurance is an important way to help reduce and control your costs. If you have health insurance, reach out to your health insurance carrier in advance of coming to campus to see if the plan provides in-network coverage at University Health Services and in the surrounding area.
Domestic students are not required to have health insurance, but the UO requires all international students and their eligible dependents to purchase the UO insurance, or obtain a waiver by having other insurance that meets the UO insurance requirements.
What Will My Insurance Cover?
The amount your plan covers depends on your specific plan. Most health insurance plans only cover some portion of your medical costs and every plan is different. Your plan may require you to pay a deductible, co-pay, and/or co-insurance. It is important that you understand how these will apply to each service and supply you receive. You must contact your health insurance plan directly to find out how your plan will work at UHS. Confirming your existing coverage directly with your health insurance carrier is important to help you avoid a surprise bill.
The UO Student Health Benefits Plan covers most medically necessary care received at University Health Services and the normal deductible and co-pays are waived when you receive care on campus.
How Do I Use My Insurance at University Health Services?
If you have non-UO health insurance, bring a copy of your insurance card to University Health Services to register your plan, or upload a copy of your card to myUOHealth. Be sure to complete the required consent forms (found within myUOHealth under the “Forms” tab).
Pharmacy and dental are in network with many insurance plans. For out-of-network medical care, we will courtesy bill your insurance company and then bill any residual balance to your student account. You are responsible for paying those charges.
If you have other questions about insurance, email UOstudentinsure@uoregon.edu.