Seminary Student Health Coverage

Concordia Seminary in St. Louis, Missouri, and Concordia Theological Seminary in Fort Wayne, Indiana, offer health coverage through the Concordia Health Plan (CHP).
The Concordia Seminary Student Option (Option CSS) provides comprehensive coverage to meet the needs of students and their families. The Seminary Student option has a $500 deductible for individuals, and a $1,000 deductible for families. Once the deductible has been satisfied, a member pays 20% coinsurance on network expenses. Option CSS covers medical, prescription drug, mental health and substance abuse expenses, as well as additional features. 

A PPO option, Option CSS offers students greater benefits if they access care through a network physician and use network providers for health services.  
2017-2018 Rates

Self Only: $265 per month
Self & Spouse: $624 per month
Self & Children: $597 per month
Family: $955 per month

When Taking a Call

When waiting for a call, students and their eligible dependents are able to keep coverage for up to 15 months following graduation if they are working on a dissertation or waiting for a call. When accepting a new call, students should ask their new employer:
  1. Do you offer/am I eligible for early enrollment?
  2. Do you offer more than one health plan option? If so, what are my choices?
  3. How much do you, as the employer, contribute to my premiums and my dependents’ premiums? 

Option CSS

Student Enrollment

All students in residential programs taking seven credit hours or more, residential S.T.M. and Ph. D. students carrying six or more credit hours, full-time residential students working on a dissertation or preparing for exams, and international students, as well as those participating in a foreign exchange program, internship, or vicarage are required to have health coverage unless they qualify as “eligible opt-outs” according to CHP guidelines.

If a student does not enroll during the initial enrollment period, he or she may enroll during Annual Open Enrollment or Special Enrollment.


Vicar Enrollment

Vicars are not eligible for employer enrollment unless they have completed all other requirements for graduation and are on their vicarage during their final year of school. Deferred, delayed, convertible, and DELTO vicars may be eligible for enrollment, as determined by their employer. If the employer elects to enroll the vicar, he must be enrolled in all of the plans offered at the organization.