Insubuy Insurance

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Patriot Exchange Program Medical Insurance

Please use this high level information as a guide only and do not make any decisions solely based on this comparison. If you have any concerns, doubts or questions, please refer to the individual policy details for complete information as it is not possible to accurately represent all the details in concise information such as follows. Please call us for further details. If there is any discrepancy between this comparison and the actual policy details, the policy details will override.

All the amounts are in U.S. dollars.

Routine physicals and vision (eyeglasses, etc.) are not covered in any of the plans.

Note: For all Comprehensive Coverage Plans, benefits are the same regardless of the policy maximum unlike Fixed Coverage Plans.

Plan type Comprehensive Comprehensive Plans
Plan name
Patriot Exchange Program
After deductible, covered at 100% up to selected policy maximum.

Doctor/ urgent care visits To policy maximum. 1 visit/day. $5 copay/visit at student health center and not subject to deductible.
Hospital emergency room (all expenses incurred therein) To policy maximum.

Extra $250 penalty/visit if ER visit for a sickness (not injury/accident) does not result in direct hospital admission.
Prescription drugs To policy maximum, maximum supply of 90 days per prescription
Diagnostic x-rays lab services To policy maximum
Surgical treatment To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage
To policy maximum
Hospital room and board including miscellaneous To policy maximum, average semi-private room rate
Intensive care unit To policy maximum
Surgical treatment To policy maximum
Anesthetist To policy maximum
Assistant surgeon 20% of primary surgeon charge. No standby availability coverage
Physician's non-surgical visits To policy maximum
Consult physician, when requested by attending physician To policy maximum
To policy maximum
Same as any other eligible medical expense
Local ambulance
To policy maximum for covered illness that results in hospitalization as inpatient or for covered injury
To policy maximum
To policy maximum
To policy maximum. 1 visit/day
12 months waiting period. Then $500/year, $50,000 lifetime max
Universal RX Pharmacy Discount Card
Yes. First Health PPO
Benefit period for continued treatment following termination date of policy
None. Treatment period - 60 days per chronic illness
Optional. $250 maximum
Incidental and Optional End of Trip
How Plan Works
Certificate Wording
Provider Directory
Paper Application
Renewable Yes, monthly renewable if purchased min. 1 month initially
Cancellation policy Before effective date, full refund. After effective date, fully unused months minus $50 cancellation fee as long as no claims have been filed since the effective date.
1 month minimum - multiples of months - max 48 months
Help Help Help Help Help
Available deductibles
By Age
Per Incident
Policy maximum options
By Age
per incident
$50,000 Up to 64
$100,000 Up to 64
$250,000 Up to 64
$500,000 Up to 64
Claims administrator International Medical Group (IMG)
Insurance company / Carrier / Underwriter Sirius International
A.M. Best rating A "Excellent"

  • *Not subject to Deductible or Coinsurance

  • To policy maximum, refers to the Usual, Reasonable and Customary charges (URC).

  • Coverages shown are per person unless noted otherwise.