You Don’t Know What You Got . . .

Student Insurance . . . plus SHAC is available, too.

Student Insurance . . . plus SHAC is available, too.

By: Theo Burke

As I graduate, besides memories and friends, I am leaving behind the awesome Portland State student health insurance. I’ve written about this before, now I’m experiencing the difference.

Since I don’t know what job is coming down the pike or what kind of health insurance it might carry, I’ve applied for individual insurance through Cover Oregon, the state exchange that sells private health plans (with federal subsidies to help pay the premiums) under the Affordable Care Act, or “ObamaCare.” The state exchange will alternatively sign you up automatically for the state’s Medicaid program (the Oregon Health Plan) if you qualify.

In the real world, I will have to think more about the deductible. A deductible is an amount you pay each year (usually $250 – $1000 or higher) before any benefits are paid by your health insurer.

At PSU, the deductible was $0.00.

My present doctors might not be covered by a new insurance company. At PSU, the Aetna provider network was vast.

I will have to worry more about whether alternative care is covered. At PSU, naturopathic doctors are treated the same as primary care doctors, and chiropractors are covered up to twelve visits per year.

Weirdly enough, when I heard from Cover Oregon recently, they put me in the Oregon Health Plan, even though I reported enough income to disqualify me from that program. Now I will have to figure out the Medicaid ”world,” which works much differently than the private insurers’ system, or else contest my placement in that program with Cover Oregon.

Students, the PSU plan won’t throw you such curve balls. You have an awesome, generous health plan, and you should take advantage of it before you graduate. As I’ve said before, you don’t know what you’ve got, until you lose it.

Call Campus Security? Maybe not.

HPIM2422

Another “phalanx response”, on Sunday, March 2, in Smith.

Over Christmas, as I returned to my car at 2 a.m., I was approached by four muscular campus security officers, in three patrol cars. It was a little scary.

Someone had called in a complaint about a man “trying to break into the library, wearing a hoody.”  I had returned some books to the Millar Library dropbox, and then carried the library’s delivered New York Times closer to the revolving doors as a courtesy, pausing to read some headlines first. I’m geeky like that.

After a check with dispatch that I was a bona fide student, the four officers let me on my way. I’ve since noticed this “phalanx of four” routine is common with Campus Public Safety Office (CPSO) responses:

  • HPIM2423Last week, I saw a solo CPSO officer patrolling the Broadway. Around the corner, I spotted three more campus security responding to an incident.
  • Later in the week, a young man was panhandling all of us in line for coffee in Smith. Someone apparently reported him, as later I spied one officer stationed by the coffee joint, two more interviewing him by the Information Desk, and a fourth officer by the front door on Broadway.

Clearly, CPSO is prepared for any escape in any direction! Their “I-formation” is as impressive as any our football Vikings might run.

I refrained from calling CPSO on the panhandler, as I also did last week when I saw an unstable young man kicking all of the gravel out of the tree beds in front of the Broadway. I imagined an overreaction from CPSO similar to my experience.

Is all this manpower necessary to keep us safe? A greater risk is created, I suggest, if some students avoid calling security in the first place, concerned about overkill. Money would also be saved if CPSO responded with two-man teams.

What do you think?  In April, the university will have a security discussion that will include the question of arming these officers with guns. Tell the university what you think here, or add a comment to this blogpost. You can bone up on the recent task force report on campus safety here.