Ask Our Specialists

I am an international student who will be enrolled in August and looking for a health insurance. One of my school seniors recommended your company to me, and I want to purchase insurance from your company. But I'm not sure whether and which your insurance plan meets our school's needs. So I am writing this email to consult you about this matter. And according to the documents I received, my insurance plan must meet the following required benefits and coverage. 1. Unlimited Maximum Benefit for Covered medical expenses. 2. Coverage for essential benefits as defined under Patient Protection and Affordable Care Act - including pharmacy, mental health, maternity, preventive care, contraception - with no dollar limits. 3. Pediatric dental and vision coverage as defined by ACA. 4. A policy year deductible of $500 or less. Maximum total out of pocket expense cannot exceed $6,350 per member, $12,700 per family with preferred providers. Deductible, coinsurance, and any copays count toward out-of-pocket maximum. 5. A minimum of $25,000 for repatriation and $50,000 for medical evacuation. 6. A minimum of 80% coinsurance payable by the insurance plan to network providers. Emergency/urgent care coverage only is not accepted for waiver 7. Verifiable proof of coverage with student's name (ID card, insurance policy or letter from insurance carrier - copy provided) 8. Effective dates covering the entire period for which I am requesting a waiver 9. Plan document(s) in English, with currency amounts converted to U.S. dollars, and an insurance company contact phone # in the U.S. 10. The insurer has a base of operations in the US or has a US based claims payer.