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Study USA - HealthCare

Student Medical Insurance

30 Days to 1,456 Days

How Study USA - HealthCare Insurance Works

If used:

First

You pay the deductible once per incident, even for Dr. visits.

Then

  • Plan pays 80% up to policy maximum, or
  • Plan pays 80% up to $25,000, then 100% up to policy maximum, or
  • Plan pays 85% up to $10,000, then 100% up to policy maximum
  • Plan pays usual, reasonable and customary to selected policy maximum.

    Plan pays 100% up to the selected policy maximum.

    Overview

    Study USA - HealthCare insurance is an excellent student health insurance for international students studying in the U.S. You can obtain an instant quote and/or purchase on this web site. The insurance coverage can start as early as the next day or any future date you specify. As soon as you make a purchase, you will receive confirmation of insurance and your I.D. card in your email. No physical cards will be mailed to you for this international student medical insurance.

    What is covered and not covered?

    The insurance company will generally pay for new medical conditions, injuries (caused either by accidents or otherwise) or sicknesses that occur after the effective date of the policy. Coverage for pre-existing conditions has a waiting period that varies by plan. One (1) routine physical is covered; however, immunizations are not covered. The Standard plan includes coverage for acute onset of pre-existing conditions up to $5,000. As long as the person is not already pregnant as of the effective date, maternity is covered at 80% to the specified amount per plan, or the Usual, Reasonable and Customary out of network to the specified amount.

    Prescription drugs are covered just like any other eligible medical expenses.

    Dental is not covered in the Standard plan; the Preferred and Platinum plans offer a maximum of $1,000 if there is an accident and $100 for acute onset of pain. Consider a low cost plan from CAREINGTON that provides excellent coverage.

    Study USA - HealthCare provides coverage as long as you are a full-time international student taking classes in the U.S., up to maximum of 4 years. Study USA - HealthCare meets the requirements of most universities for international students on an F-1 visa. Additionally, you are eligible if you are on J-1 visa and doing scholarly research at an educational institution.

    How do I use the insurance?

    Please look at the detailed description.

    How much is covered?

    • With the Standard Plan you have to pay a $100 deductible per incident as long as you visit a provider within the PPO network or you visit your student health center. You have to pay a $250 deductible per incident outside the network. For all eligible expenses, the insurance company will pay 80% up to the overall policy maximum.
    • With the Preferred Plan you have to pay a $50 deductible per incident as long as you visit a provider within the PPO network or you visit your student health center. You have to pay a $150 deductible per incident outside the network. For all eligible expenses, the insurance company will pay 80% for the first $25,000, then 100% up to the overall policy maximum.
    • With the Platinum Plan you have to pay a $25 deductible per incident as long as you visit a provider within the PPO network or you visit your student health center. You have to pay a $100 deductible per incident outside the network. For all eligible expenses, the insurance company will pay 85% for the first $10,000, then 100% up to the overall policy maximum.

    Example:

    Let's assume that you have purchased the Standard Plan ($200,000 policy maximum) for 6 months.

    • Let's assume that the doctor charges you $150/visit and you need to visit 4 times.

      If you visit the student health center first or if you visit the providers in the United Healthcare PPO Network; you will first pay $100 deductible, then you will have to pay 20% for each visit.

      The first visit you pay $100, this satisfies the deductible, then pay 20% of the remaining $50 which is $10, the plan pays the other $40. For the remaining 3 visits you would pay 20% of $150 which is $30 and the plan pays the rest.

      Otherwise, you will have to pay $250 deductible outside the network. Then 20% for each visit.

    • Let's assume that you were in an accident and are hospitalized for 4 days. The hospital charges $10,000 per day for a total bill of $40,000.

      Assuming this is the first instance of your needing to use the insurance, you will cover the $100 deductible plus $8,000 (20% of overall policy maximum) and the insurance company will pay the rest.

    Benefits Updated: 08/13/2020

    Did you know?

    Prices are regulated by law.

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

    Learn More

    Why purchase insurance from Insubuy®?

    Same Price. Better Service.®

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

    Learn More

    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 are not 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

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