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Study USA HealthCare™ Insurance - Frequently Asked Questions

Purchasing Study USA-HealthCare

Purchasing Study USA-HealthCare

Who is eligible to buy Study USA-HealthCare Insurance?

Full-Time Students or Scholars (under age 66) who are studying outside their home country are eligible to buy Study USA-HealthCare:

  1. Participants

    • Must be a Full-time Student at a college or university, excluding online colleges and universities, or within 31 days of being a Full-time Student at a college or university; or must be a Full-time Scholar affiliated with an educational institution and performing work or research for at least 30 hours per week. The Full-time Student/Scholar status requirement is waived for Participants within the US holding a valid F-1 visa. Full-time status requirements remain in force for individuals holding M-1, J-1, or other category visas; and
    • Must be residing outside his or her Home Country for the purpose of pursuing international educational activities; and
    • Must not have obtained residency status in the Host Country.
  2. Dependents

    • Must be the Participant's legally married spouse, or must be the Participant's unmarried child under age 19 years and chiefly dependent on the Participant for support and maintenance; and
    • Must accompany the Participant abroad on a similar visa or passport while the Participant engages in international educational activities; and
    • Must be temporarily located outside the Participant's Home Country; and
    • Must not have obtained residency status in the Host Country.
  3. Newborn or adopted children will be automatically covered as Dependents for the first 31 days of life provided that the delivery is covered by this insurance or placement occurs while the Participant's coverage is in effect. If the delivery of the Newborn is not covered under this insurance, the Newborn is eligible for coverage beginning at 14 days of age.
  4. Newborn and adopted children must be enrolled within the first 31 days after birth for newborns or within 31 days of placement for adoptions. Enrollment requires written notification of the new Dependent's name, birth date, gender, and citizenship as well as payment of any additional premium due.
  5. If a newborn or adopted child is not enrolled by the 31st day following birth (for newborns) or placement (for adopted children), then coverage terminates on the 31st day.

How will my proof of insurance be sent to me?

If you buy or renew your coverage online, your receipt, Confirmation, Description of Coverage, and ID card will be instantly emailed to you.

I need coverage to begin as soon as possible. Is it possible for my Study USA-HealthCare policy to go into effect the day I enroll?

No, however, your policy can go into effect the next day after you enroll online.

Are a student's dependents eligible for coverage?

Yes. Spouse and/or unmarried children (under age 19) of enrolled students can be enrolled for insurance with the student's initial enrollment, or within 31 days of birth, legal adoption, marriage or arrival in country of study. Dependents must be temporarily be located outside their home country, and must not have obtained residency status in the host country. If your dependents are not eligible for Study USA-HealthCare, they can enroll in one of our other plans for people outside their home country.

Are Newborn or Adopted Children Included in Study USA-HealthCare?

Newborn or Adopted Children will automatically be covered for the first 31 days. Afterwards, they must be enrolled in Study USA-HealthCare in order to be covered. Contact us for more information.

Note: If the birth was not covered by a Study USA-HealthCare policy, then Newborn children will not be automatically covered. However, they will become eligible after 14 days of life.

My school requires an Insurance Compliance Form or a Waiver Form be completed as proof of my insurance. Can you complete this form for me? What should I do?

First, purchase Study USA HeathCare Insurance. After your purchase, simply fill in your portion of your school's Compliance or Waiver Form, sign it, and fax it to us at (972) 767-4470 or email it to ofni. We will complete it and fax it back to your school for you.

Can I buy Study USA-HealthCare if I am already studying outside my home country?

Yes. You can enroll in Study USA-HealthCare regardless of how long you have been studying outside your home country, as long as you fulfill the eligibility requirements in Question 1 above.

Renewing Your Policy

Can I renew my coverage?

Yes - Study USA-HealthCare can be renewed for up to 4 years, as long as you fulfill the eligibility requirements in Question 1 above.

How do I renew my coverage?

Before your existing Study USA-HealthCare coverage has expired, renew your current coverage using our instant secure online renewal form. You will be sent an email reminder to do so, beginning 2 weeks prior to your coverage Expiration Date.

When I renew my coverage, can I add or remove coverage for eligible dependents?

Yes, you can add coverage for eligible dependents (spouse and/or children) during your renewal. Call us for more information on how to add eligible dependents.

Spouse and/or children (under age 19) of enrolled students can enroll for insurance with the student, or within 31 days of birth, legal adoption, marriage or arrival in country of study. If your dependents are not eligible for Study USA-HealthCare, you can enroll them in one of our other plans for people traveling outside their home country.

Coverage Clarification

Can I go to any doctor or hospital, or must I use my school's Student Health Center or a preferred provider from Study USA-HealthCare's network?

For International Students Studying in the U.S.:

  1. If you choose to be seen at your Student Health Center first, you will receive the in-network benefit.
  2. For other incidents, if you use a doctor or hospital in Study USA-HealthCare's large preferred provider network, you will pay a lower deductible and co-insurance than if you go outside the network. Click here to search for a network provider.
  3. You can also use any doctor or hospital. The Emergency Assistance Company can help you locate a doctor or hospital.

For U.S. Students Studying Outside the U.S.:

Outside the U.S., Study USA-HealthCare does not have a Preferred Provider Network.

  1. You can choose to be seen at the Student Health Center or at another doctor or hospital and receive the in-network benefit.
  2. If you go to the Student Health Center first, your deductible for such incidents will be waived.
  3. You can also use any doctor or hospital. The Emergency Assistance Company can help you locate a doctor or hospital in the country where you are studying.

For recommendations on international providers, click here.

Does Study USA-HealthCare cover Pre-Existing Conditions?

Pre-Existing Conditions are defined by the policy as "Any (1) condition for which medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) was recommended or received during the 12 months immediately preceding the Certificate Effective Date for 12 months; (2) condition that had manifested itself in such a manner that would have caused a reasonably prudent person to seek medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) within the 12 months immediately preceding the Certificate Effective Date; (3) injury, illness, sickness, disease, or other physical, medical, mental, or nervous conditions, disorder or ailment (whether known or unknown) that, with reasonable medical certainty, existed at the time of application or within the 12 months immediately preceding the Certificate Effective Date." For Study USA-HealthCare Standard, the waiting period is 12 months. For Study USA-HealthCare Preferred, the waiting period is 6 months. See Study USA-HealthCare's complete list of policy exclusions in the plan details section.

Does Study USA-HealthCare cover pregnancy?

Yes, it covers the pregnancy of an insured student or enrolled spouse if the conception of pregnancy occurs after the effective date of coverage. It does not cover the pregnancy of a dependent child.

Will my Study USA-HealthCare policy cover me if I travel outside the U.S.?

Yes, Study USA-HealthCare covers the Insured worldwide, except in their home country. For each 3 months of coverage with Study USA-HealthCare, the insured is eligible for no more than 15 days of home country coverage.

Are there Pre-Certification Requirements for hospitalization or other services?

The following expenses must always be pre-certified:

  • Inpatient care
  • Any Surgery or Surgical Procedure
  • Care in an Extended Care Facility
  • Home Nursing Care
  • Durable Medical Equipment
  • Artificial limbs
  • Computerized Tomography (CAT Scan)
  • Magnetic Resonance Imaging (MRI)
  • Maternity
  • Newborn care

To comply with the Pre-certification requirements, the Member must:

  • Contact the Plan Administrator at the telephone number contained in the Member's Certificate as soon as possible before the expense is to be incurred, and;
  • If Pre-certification is for Maternity, contact the Plan Administrator at the telephone number contained in the Member's Certificate as soon as possible but always:
    • during the first 90 days of pregnancy, and,
    • immediately upon any change in status during pregnancy, and
    • upon admission to a hospital for delivery, and
  • Comply with the instruction of the Plan Administrator and submit any information or documents they require; and
  • Notify all Physicians, Hospitals, and other providers that this insurance contains Pre-certification requirements and ask them to fully cooperate with the Plan Administrator.

If the Member complies with the Pre-Certification requirements, and the expenses are Pre-certified, Underwriters will pay Eligible Medical Expenses subject to all terms, conditions, and provisions and exclusions herein. If the Member does not comply with the Pre-certification requirements or if the expenses are not Pre-certified:

  • Eligible Medical Expenses will be reduced by 50%; and
  • The Deductible will be subtracted from the remaining amount; and
  • The Coinsurance will be applied.

Emergency Pre-certification: In the event of an Emergency Hospital admission, Pre-certification must be made within 48 hours after the admission, or as soon as reasonably possible.

Pre-certification Does Not Guarantee Benefits - The fact that expenses are Pre-certified does not guarantee either payment of benefits or the amount of benefits. Eligibility for and payment of benefits are subject to all the terms, conditions, provisions, and exclusions herein.

Concurrent Review - For Inpatient stays of any kind, the Plan Administrator will Pre-certify a limited number of days of confinement. Additional days of Inpatient confinement may later be Pre-certified if a Member receives prior approval.

For International Students In The U.S.

Is a network provider located in my area?

Most likely. . For a complete listing of Preferred Provider participants please click here to search for a network provider.

How will I receive care at In-Network level if there are no Network providers in my area?

There should be a provider within a 50 mile radius of your location. If you are not sure, you may verify how benefits will be treated. If a non-Preferred Provider is used, benefits will be paid at outside-network lever. To verify please contact the administrator, number should be on the back of ID card.

Policy Changes

After I received my confirmation, I realized there may have been some errors in my application. What should I do?

Send any corrections to us in writing by email to: ecivres, or by fax or mail and we will confirm the changes. When sending correspondence, please include your name, a daytime phone number and reference your Transaction Number.

If the correction results in an increase in premium, please submit a statement authorizing Travel Insurance Services to charge the additional amount to the credit card on file. Please call to change credit card for security reasons.

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

Learn More

Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

Learn More

New immigrant to USA?

You would not be eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

Learn More

Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

Learn More

Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

Learn More

Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

Learn More

Traveling frequently throughout the year?

You don’t need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

Learn More

International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

Learn More

To continue with the application please scroll down to confirm this notice

CALIFORNIA RESIDENTS SPECIAL NOTICE

1. THE INSURANCE POLICY THAT YOU ARE APPLYING TO PURCHASE IS BEING ISSUED BY AN INSURER THAT IS NOT LICENSED BY THE STATE OF CALIFORNIA. THESE COMPANIES ARE CALLED "NONADMITTED" OR "SURPLUS LINE" INSURERS.

2. THE INSURER IS NOT SUBJECT TO THE FINANCIAL SOLVENCY REGULATION AND ENFORCEMENT THAT APPLY TO CALIFORNIA LICENSED INSURERS.

3. THE INSURER DOES NOT PARTICIPATE IN ANY OF THE INSURANCE GUARANTEE FUNDS CREATED BY CALIFORNIA LAW. THEREFORE, THESE FUNDS WILL NOT PAY YOUR CLAIMS OR PROTECT YOUR ASSETS IF THE INSURER BECOMES INSOLVENT AND IS UNABLE TO MAKE PAYMENTS AS PROMISED.

4. THE INSURER SHOULD BE LICENSED EITHER AS A FOREIGN INSURER IN ANOTHER STATE IN THE UNITED STATES OR AS A NON-UNITED STATES (ALIEN) INSURER. YOU SHOULD ASK QUESTIONS OF YOUR INSURANCE AGENT, BROKER, OR “SURPLUS LINE” BROKER OR CONTACT THE CALIFORNIA DEPARTMENT OF INSURANCE AT THE FOLLOWING TOLL-FREE TELEPHONE NUMBER 1-800-927-4357. ASK WHETHER OR NOT THE INSURER IS LICENSED AS A FOREIGN OR NON-UNITED STATES (ALIEN) INSURER AND FOR ADDITIONAL INFORMATION ABOUT THE INSURER. YOU MAY ALSO CONTACT THE NAIC’S INTERNET WEB SITE AT WWW.NAIC.ORG.

5. FOREIGN INSURERS SHOULD BE LICENSED BY A STATE IN THE UNITED STATES AND YOU MAY CONTACT THAT STATE’S DEPARTMENT OF INSURANCE TO OBTAIN MORE INFORMATION ABOUT THAT INSURER.

6. FOR NON-UNITED STATES (ALIEN) INSURERS, THE INSURER SHOULD BE LICENSED BY A COUNTRY OUTSIDE OF THE UNITED STATES AND SHOULD BE ON THE NAIC’S INTERNATIONAL INSURERS DEPARTMENT (IID) LISTING OF APPROVED NONADMITTED NON-UNITED STATES INSURERS. ASK YOUR AGENT, BROKER, OR “SURPLUS LINE” BROKER TO OBTAIN MORE INFORMATION ABOUT THAT INSURER.

7. CALIFORNIA MAINTAINS A LIST OF APPROVED SURPLUS LINE INSURERS. ASK YOUR AGENT OR BROKER IF THE INSURER IS ON THAT LIST, OR VIEW THAT LIST AT THE INTERNET WEB SITE OF THE CALIFORNIA DEPARTMENT OF INSURANCE: www.insurance.ca.gov.

8. IF YOU, AS THE APPLICANT, REQUIRED THAT THE INSURANCE POLICY YOU HAVE PURCHASED BE BOUND IMMEDIATELY, EITHER BECAUSE EXISTING COVERAGE WAS GOING TO LAPSE WITHIN TWO BUSINESS DAYS OR BECAUSE YOU WERE REQUIRED TO HAVE COVERAGE WITHIN TWO BUSINESS DAYS, AND YOU DID NOT RECEIVE THIS DISCLOSURE FORM AND A REQUEST FOR YOUR SIGNATURE UNTIL AFTER COVERAGE BECAME EFFECTIVE, YOU HAVE THE RIGHT TO CANCEL THIS POLICY WITHIN FIVE DAYS OF RECEIVING THIS DISCLOSURE. IF YOU CANCEL COVERAGE, THE PREMIUM WILL BE PRORATED AND ANY BROKER’S FEE CHARGED FOR THIS INSURANCE WILL BE RETURNED TO YOU.

07/11
LSW1146D

Cuba Notice

Travel to Cuba remains subject to restrictions imposed by U.S. sanctions, administered by the US Treasury. Only those who qualify for travel authorized under US Treasury's regulations and who comply with the terms of such authorization can legally travel to Cuba. Individuals traveling to Cuba must meet the following criteria in order to qualify for travel authorized under one of the general licenses outlined below:

Criteria for travel authorized by the US Treasury

If you have read and agree to the terms of both Notices: California and Cuba, please click the continue button if you wish to complete the application process. Otherwise, please click cancel to abort the application process.

To continue with the application please scroll down to confirm this notice

CALIFORNIA RESIDENTS SPECIAL NOTICE

1. THE INSURANCE POLICY THAT YOU ARE APPLYING TO PURCHASE IS BEING ISSUED BY AN INSURER THAT IS NOT LICENSED BY THE STATE OF CALIFORNIA. THESE COMPANIES ARE CALLED "NONADMITTED" OR "SURPLUS LINE" INSURERS.

2. THE INSURER IS NOT SUBJECT TO THE FINANCIAL SOLVENCY REGULATION AND ENFORCEMENT THAT APPLY TO CALIFORNIA LICENSED INSURERS.

3. THE INSURER DOES NOT PARTICIPATE IN ANY OF THE INSURANCE GUARANTEE FUNDS CREATED BY CALIFORNIA LAW. THEREFORE, THESE FUNDS WILL NOT PAY YOUR CLAIMS OR PROTECT YOUR ASSETS IF THE INSURER BECOMES INSOLVENT AND IS UNABLE TO MAKE PAYMENTS AS PROMISED.

4. THE INSURER SHOULD BE LICENSED EITHER AS A FOREIGN INSURER IN ANOTHER STATE IN THE UNITED STATES OR AS A NON-UNITED STATES (ALIEN) INSURER. YOU SHOULD ASK QUESTIONS OF YOUR INSURANCE AGENT, BROKER, OR “SURPLUS LINE” BROKER OR CONTACT THE CALIFORNIA DEPARTMENT OF INSURANCE AT THE FOLLOWING TOLL-FREE TELEPHONE NUMBER 1-800-927-4357. ASK WHETHER OR NOT THE INSURER IS LICENSED AS A FOREIGN OR NON-UNITED STATES (ALIEN) INSURER AND FOR ADDITIONAL INFORMATION ABOUT THE INSURER. YOU MAY ALSO CONTACT THE NAIC’S INTERNET WEB SITE AT WWW.NAIC.ORG.

5. FOREIGN INSURERS SHOULD BE LICENSED BY A STATE IN THE UNITED STATES AND YOU MAY CONTACT THAT STATE’S DEPARTMENT OF INSURANCE TO OBTAIN MORE INFORMATION ABOUT THAT INSURER.

6. FOR NON-UNITED STATES (ALIEN) INSURERS, THE INSURER SHOULD BE LICENSED BY A COUNTRY OUTSIDE OF THE UNITED STATES AND SHOULD BE ON THE NAIC’S INTERNATIONAL INSURERS DEPARTMENT (IID) LISTING OF APPROVED NONADMITTED NON-UNITED STATES INSURERS. ASK YOUR AGENT, BROKER, OR “SURPLUS LINE” BROKER TO OBTAIN MORE INFORMATION ABOUT THAT INSURER.

7. CALIFORNIA MAINTAINS A LIST OF APPROVED SURPLUS LINE INSURERS. ASK YOUR AGENT OR BROKER IF THE INSURER IS ON THAT LIST, OR VIEW THAT LIST AT THE INTERNET WEB SITE OF THE CALIFORNIA DEPARTMENT OF INSURANCE: www.insurance.ca.gov.

8. IF YOU, AS THE APPLICANT, REQUIRED THAT THE INSURANCE POLICY YOU HAVE PURCHASED BE BOUND IMMEDIATELY, EITHER BECAUSE EXISTING COVERAGE WAS GOING TO LAPSE WITHIN TWO BUSINESS DAYS OR BECAUSE YOU WERE REQUIRED TO HAVE COVERAGE WITHIN TWO BUSINESS DAYS, AND YOU DID NOT RECEIVE THIS DISCLOSURE FORM AND A REQUEST FOR YOUR SIGNATURE UNTIL AFTER COVERAGE BECAME EFFECTIVE, YOU HAVE THE RIGHT TO CANCEL THIS POLICY WITHIN FIVE DAYS OF RECEIVING THIS DISCLOSURE. IF YOU CANCEL COVERAGE, THE PREMIUM WILL BE PRORATED AND ANY BROKER’S FEE CHARGED FOR THIS INSURANCE WILL BE RETURNED TO YOU.

07/11
LSW1146D

If you have read and agreed to the terms of this notice and wish to continue, please click the continue button. Otherwise, please click cancel to abort the application process.

Cuba Notice

Travel to Cuba remains subject to restrictions imposed by U.S. sanctions, administered by the US Treasury. Only those who qualify for travel authorized under US Treasury's regulations and who comply with the terms of such authorization can legally travel to Cuba. Individuals traveling to Cuba must meet the following criteria in order to qualify for travel authorized under one of the general licenses outlined below:

Criteria for travel authorized by the US Treasury

I certify that I have read the above and that all individuals applying for coverage qualify for travel authorized under one of the general licenses per US Treasury regulations.

Reset Application

Pressing “CONFIRM” will reset the whole application and erase all the data previously entered.

If you have already saved this application, you will still be able to retrieve the application with the information previously entered. Details for retrieval would have been given at the time of saving, which can be done any time after the initial quote.