Ask Our Specialists

I am an international student who will attend Brown University in Rhode Island next fall. That is why I need an insurance plan that has to cover the Brown Requirements. I am attaching the file that Brown has sent me. In that file you can find the requirements. If 'Student Health Advantage Standard' program fulfills every requirement, I am going to purchase it. However, I wasn't able to compare 'Student Health Advantage Standard' to Brown Student Health Insurance. Could you help me on that and perhaps compare the two for me? I really need help because I didn't quite understand Student Health Advantage Standard's coverage. I really want to purchase this insurance if it is applicable for me. I am forwarding the message that Brown University has sent me about comparable coverage. 'The level of benefits provided through your health insurance plan must be fully-compliant with the Affordable Care Act (ACA) and meet or exceed the benefits provided through the school-sponsored Student Health Insurance Plan (SHIP). Coverage is considered comparable if it provides students with access to local providers and a range of services in and around the area where you attend school. Services include, but are not limited to, preventive and non-urgent care, emergency care, surgical care, inpatient and outpatient hospitalization, lab work, diagnostic x-rays, physical therapy and chiropractic care, prescription drugs, mental health and substance abuse treatment. If your current plan is an HMO, it is very likely that coverage is limited, or not available, outside of the HMO's service area. Before deciding whether or not to waive coverage, compare your current health insurance plan to the SHIP to look at cost-sharing levels (deductibles and coinsurance) and access to In-Network Providers. The amount of your current plan's deductible and InNetwork and Out-of-Network coinsurance may result in high out-of-pocket costs. Plans that are not considered comparable include: plans that only provide emergency services in the campus area, plans that are purchased on a short term basis, plans that are international or travel insurance, or out-of-state Medicaid plans.'