University of Pennsylvania

[salilav]

I would like to know whether your company takes care of the criteria set by University of Pennsylvania.

Please find below the 5 criterias.

1) Alternate plans must be provided by a company licensed to do business in the United States, with a U.S. claims payment office and a U. S.phone number

2) Alternate plans do not exclude coverage for pre-existing conditions (or have been in effect long enough that any waiting period has passed)

3) Alternate plans must provide coverage for both in-patient and out-patient medical care in the Philadelphia area , including specialist office visits and diagnostic testing. Emergency or Urgent only care is not sufficient

4)Alternate plans must provide coverage for both in-patient and out-patient mental health care in the Philadelphia area . Emergency or Urgent only care is not sufficient

5)Alternate plans must offer a lifetime maximum benefit of at least$500,000 in coverage

Regards,
Salil

[narendra]

We have several plans that would meet all the criteria except #2.

There is no individual plan available for international student health insurance that would cover pre-existing conditions. The best you can get is 6 months exclusion for pre-ex.

Of course, you would be buying the plan now and therefore it is not applicable that the plan has been affect for a long period for waiting period to be eliminitate. The waiting period starts on the effective date.