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Ask Our Specialists
I have a few questions regarding your Student Secure Elite Health Insurance Plan. Upon review of the benefits, I see that the plan covers 80% for "Mental & Nervous Disorders" with a 30 day max. for outpatient. I want to clarify the meaning of the 30 day max-- would this include psychiatrist visits throughout the length of the plan? I also want to confirm that this plan offers 80% prescription drug coverage, as cited on the benefits page, and wondering if there are any exceptions to this.
Thank you for contacting Insubuy for your insurance needs.
The "Mental & Nervous" disorders benefit is a 30 day max at 80% however, this plan does not cover pre-existing conditions for the first 6 months of the policy, so this would not include coverage routine psychiatrist visits. Beyond the 6 month waiting period "Mental & Nervous" disorders would be covered as any other eligible expense in accordance with the certificate wording.
The prescription drug coverage is indeed covered at 80% for Outpatient prescriptions. Medications are covered as they relate to any covered medical expense under the plan.
If you need any additional assistance please feel free to contact our office
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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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