Ask Our Specialists

I have purchased your insurance under # EV##### from 2019 to 2020 but it doesn't meet the requirements from my school. Could you help me to find a way to meet the school's requirements? Below is the reply from my school that tells me my insurance fails to meet the requirement. "Your insurance waiver request has been reviewed but cannot be approved as your coverage does not meet the University's minimum health insurance coverage requirements: https://global.rutgers.edu/international-scholars-students/health-insurance. According to the documentation uploaded to your request your policy would fail to meet the requirements as your plan imposes a maximum dollar limit on medical expense coverage whereas the University requires unlimited coverage. There are a number of other listed requirements not addressed by the documentation you had attached such as ACA compliance, prescription drug coverage information, direct payment confirmation, etc.. Given the issues outlined above your request for a waiver cannot be approved." My school's requirement is as follow: Minimum Requirements for Health Insurance Coverage at Rutgers - The alternate coverage is currently active and the student agrees to maintain the health insurance coverage throughout the current semester - The plan offers unlimited coverage with no maximum dollar limit The plan must include a minimum of $25,000.00 for repatriation of remains and $50,000.00 for medical evacuation. - Plan deductible does not exceed $500 out of network per policy year. - Plan provides coverage for inpatient and outpatient medical care in the immediate campus area. - Plan provides mental health benefits which include chemical and substance abuse treatments. - Plan provides preventative care services which include, but are not limited to, annual physicals, gynecological exams, routine screenings and immunizations. - Plan covers pre-existing conditions. - Plan covers prescription drugs with no maximum dollar limit and a nationwide network of pharmacies. Plan must not be a reimbursement plan. - Plan must be filed and approved in the United States and fully compliant with the Affordable Care Act Benefit Regulations. - Plan is 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. - Plan must pay medical providers directly for inpatient and outpatient care (must not be a reimbursement plan). - The underwriting company must have a rating of either "A" or above by A.M. Best, "A-1" or above by Insurance Solvency International Ltd., "A -" or above by Standard & Poor's Claims-paying Ability, "B +" or above by Weiss Research, Inc.