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Ask Our Specialists
I read the comparison between Exchange Guard Essential & Patriot Exchange Program. It's very informative and helpful. However, I still have one question. Patriot Exchange Program includes "Student Health Care", but Exchange Guard Essential does not. What's the difference? Does it means I will be treated like student insurance in university clinic if my insurance program includes "Student Health Care". On the other hand, if my program does not include "Student Health Care" but the plan are accepted by the university clinic, can I go to see doctor in that clinic and be charged as other in-network clinic?
Thank you for contacting Insubuy. Both plans will include coverage for a student health center. The difference here is that the Patriot Exchange Program has a $5 copay, and will waive the deductible while the ExchangeGuard plan will treat the student health center as any other medical facility. So you will have to meet the deductible, and then the plans coinsurance will apply. If you have any additional questions, please contact us.
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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.
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