Study USA 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. It does not cover any expenses related to pre-existing conditions (waiting period applies for coverage - Standard plan never covers), preventive check ups (1 routine physical exam covered) or immunizations. As long as the person is not already pregnant as of the effective date, it will cover maternity at 80% in-network or 70% out of network up to the policy maximum.
Prescription drugs are covered just like any other eligible medical expenses.
Dental is not covered in the Standard plan and Preferred plans offer a maximum of $1,000 if there's an accident and $100 for acute onset of pain. Consider a low cost plan from CAREINGTON that provides excellent coverage.
Study USA 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 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 $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.
- With the Preferred 300 Plan you have to pay a $45 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 $90 deductible per incident outside the network.
- With the Preferred 500 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 $50 deductible per incident outside the network.
For all eligible expenses, the insurance company will pay 80% for the first $25,000, you pay 20% (that is $5,000 out of pocket maximum). After that, the plan pays 100% up to the selected policy maximum of the plan you choose: $100,000 (Standard), $300,000 (Preferred 300), or $500,000 (Preferred 500).
Let's assume that you have purchased the Standard Plan ($100,000 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 First Health PPO network, you will first pay $50 deductible, then you will have to pay 20% for each visit.
Therefore first visit you pay $50, this satisfies the deductible, then pay 20% of the remaining $100 which is $20, the plan pays the other $80. 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 $150 deductible outside the network. Then 30% 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 pay your $50 deductible plus $5,000 (20% of first $25,000) and the insurance company will pay the rest.