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.
The Concordia Seminary Student Option (CSS) provides comprehensive coverage to meet the needs of you and your family. The Option CSS has a $500 deductible for individuals and a $1,000 deductible for families. Once the deductible has been satisfied, you pay 20 percent coinsurance on network expenses. Option CSS covers medical, prescription drug, mental health and substance abuse expenses. In addition, you and your family have access to health and financial wellness resources to help on the journey to well-being. 

Option CSS offers you greater benefits if you access care through a network physician and use network providers for health services.  
2018-2019 Rates

Self Only: $275 per month
Self & Spouse: $647 per month
Self & Children: $619 per month
Family: $991 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

Unless you qualify as an “eligible opt-out” based on CHP guidelines, if any of the below applies to you, you are required to have health coverage:
  • Residential program student taking seven or more credit hours
  • Residential S.T.M. and Ph.D. student carrying six or more credit hours
  • Full-time residential student working on a dissertation or preparing for exams
  • International student
  • Student participating in a foreign exchange program, internship or vicarage

Vicar Enrollment

Vicars are not eligible for enrollment through their LCMS employer 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.