CC-ES

Collegiate Care Essential

Limited Coverage
AM Best Rating
B++ (Good)
Carrier/Underwriter
GBG Insurance Limited
Administrator
Trawick International
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Renewable
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Basic Coverage Plan
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Coverage from 5 days to 12 months
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Urgent Care
COVID-19 Included
BUY

Collegiate Care Essential plan is designed to provide basic Medical, Evacuation and Repatriation coverage, for International Students, Scholars and their Families studying or teaching in the USA.

Please review Collegiate Care Plan Brochure brochure or policy document for complete and accurate coverage information.

Out-Patient

Dr. / Physician Visit

Up to $50 maximum/visit

Surgical Treatment

up to $2,000/surgery

Prescription Drugs / Medicines

Up to $100 maximum benefit per event:
Within the PPO: 100% of the allowance
Outside the PPO: Up to 75% of the allowance
Up to $40 for oral contraceptives

Lab & X-rays

Up to $500 maximum benefit:
Within the PPO: up to 100% of the allowance
Outside of the PPO: Up to 75% of URC

Physical Therapy

Up to $35 maximum/visit:
Within the PPO: up to 100% of the allowance
Outside of the PPO: Up to 75% of URC

In-Patient

Hospital Room

Within the PPO network: Up to $1,000/day (30 days max)
Outside of the PPO network: 75% of Semi-Private room rate

Surgical Treatment

Up to $2,000

Hospital Intensive Care Unit

Within the PPO network: Up to $1,525 per day
Outside of the PPO network: up to 75% of URC

Drug/Alcohol Abuse

100% of the preferred allowance

Emergency Services

Ambulance Expenses

Up to $400 maximum
Within the PPO: up to 100%
Outside of the PPO: up to 75%

Emergency Room(ER)

Within the PPO network: up to 100% of the allowance
Outside of the PPO network: up to 75% of URC
*subject to $300 deductible per visit, waived if admitted*

Dental

Accidental emergency

Up to $250/per tooth, $500 maximum benefit

Travel

Emergency Medical Evacuation / Repatriation

Medical Evacuation: up to $60,000

Return of Remains

Up to $50,000

Life

AD&D

the plan pays up to $10,000

Other

Mental Illness

Within the PPO network: up to 75% of $5,000 Outside the PPO network: up to 75% of URC

Pre-Existing Conditions

Covered after 6months of coverage up to $20,000 maximum

Maternity

Up to $5,000 maximum
Within the PPO network: up to 100%
Outside of the PPO network: up to 75% of URC

Brochure

Support

24-Hrs Emergency Assistance

Yes. Contact Number and details can be found on the ID card.

Plan Administrator Company

Trawick International

Carrier / Underwriter

GBG Insurance Limited

Eligibility

You are eligible for this coverage in USA, if you are temporarily residing outside your home country/country of permanent residence while actively engaged in education, teaching or research activities and if you are one of the following: F1/J1 valid Visa holder. Spouse and dependent children are also eligible for coverage. Permanent residents (green card holders) and US Citizens are not eligible for coverage under this plan.

Deductible Content

Deductible Per Incident
What is Deductible?

Deductible is the amount that you are responsible for, before insurance company starts paying for any covered expenses. Deductible for this type of plan is applicable once per incident.


For example: If you visit a doctor for a medical problem, and after consultation, the doctor prescribes Medicines, X-rays, and Lab tests, then since all these services are part of one incident, your deductible will be applicable for these services only once.

If you visit a doctor again after a few days for a new problem, the deductible will be applicable again for that new incident.

What deductible to choose with this Plan?

Since deductible is per incident for these type of plans. It is a good idea to select a lower deductible such as “0“.

Note : For Age 70 and above, lower deductible like Zero “0“ is not available.

Plan Type

Comprehensive Coverage plan

AM Best Rating

B++ (Good)

Coverage in U.S.A.

Covered

Coverage outside U.S.A.

Not Covered

Co-Pay

No Co pay

Co-Insurance

Within the PPO network, the plan pays 100% of the allowance.
Outside of the PPO network, the plan pays 75% of URC

Plan Effective Date

The Effective Date of this Policy is the later of the following:
1. The Date the Company receives a completed Application and correct premium for the Policy Period, or
2. The Effective Date requested on the Application, or
3. The day after applying online, or
4. The day after postmark when mailed.

Plan End Date

Your coverage ends on the earliest of the following:
1. The date you cease to be eligible for coverage; or
2. The end of your term of coverage; or
3. The date requested on your application; or
4. The last day for which premium has been paid.

Coverage Type

Up to $150,000 per injury or sickness, to an overall $300,000 maximum.

Deductible Type

Per Injury or Sickness

Renewability

Yes, can be renewed on monthly basis.

Cancellation

Upon effective date - this plan is fully earned and non-refundable. There are no partial refunds.

PPO Network

Unitedhealth Care

Coverage Length

The minimum period of coverage is 1 Month and Maximum is 364 days

Available Deductibles

$35 if first treated by the Student Health Center
$250 if not first treated by the Student Health Center

Provider Directory

By Provider, Toll Free: 888-301-9289 ,Direct: 251-661-0924

Plan Brochure

Collegiate Care Essential Insurance Brochure brochure

US States Restrictions

No Restriction

Country Restrictions

Nigeria and Antartica

Collegiate Care FAQs

Q: Who is eligible to buy Collegiate Care plans?

You are eligible for this coverage in the USA, if you have a current passport or visa and are temporarily residing outside your home country/country of permanent residence while actively engaged in education or research activities. You are "actively engaged" in education, teaching or research activities if you are one of the following: F1/J1 valid Visa holder;

For purposes of this insurance, if the Eligible Person's home country or country of permanent residence (passport country) is different from the Eligible Person's country of permanent residence (location in which the Eligible Person permanently resides), the Eligible Person will not be covered in either location. Permanent residents (green card holders) and US Citizens are not eligible for coverage under this Policy.

Home study, correspondence, internet classes and television courses do not fulfill the eligibility requirements.

Q: Do I have to be a full-time student to purchase your Collegiate Care Insurance?

Yes, to be eligible for Collegiate Care Insurance you must be Undergraduate - registered for and attending classes on full-time basis; Graduate Student; Scholar or researcher who is invited by an educational organization; Student involved in education, educational activities, or research related activities.
Students must actively attend classes for at least the first 31 calendar days after the date for which coverage is purchased.

Q: Are a student's dependents eligible for coverage?

Your spouse and dependent children are also eligible for coverage if accompanying you and
enrolled on your policy.

Q: How will my proof of insurance be sent to me?

If you apply online, the application process generally takes about 10 minutes. If you submit an application by e-mail, fax or mail, it will be processed by the second business day that the completed application and correct premium are received.

Q: When I apply online, when do I get my fulfillment?

Your fulfillment is your policy information. When you apply online for your policy, your fulfillment will be available in your Web browser immediately following the successful purchase of the plan. A copy of the fulfillment will also be sent to the e-mail address you provided on the application. Your fulfillment will include: a summary of benefits, name(s) of policy member(s), ID cards, receipt, and the description of coverage.

Q: I need coverage to begin as soon as possible. Is it possible for my Collegiate Care policy to go into effect the day I enroll?

No, however, your policy can go into effect as soon as one day after you enroll online.

Q: Can I renew my coverage?
Yes, you can renew the coverage up to 1 year. You must actively attend classes for at least the first 31 calendar days after the date for which coverage is purchased and be enrolled in class at each renewal. Only monthly renewal is possible

Q: Can I cancel my coverage?
Upon effective date - this plan is fully earned and non-refundable. There are no partial refunds.

Q: Does Collegiate Care Insurance cover Pre-Existing Conditions?

After 6 months of continuous coverage, Collegiate Care will provide benefits for pre-existing condition. If you receive treatment or service for a Pre-Existing Condition: a) No benefits will be paid for such condition until the day after a 6 consecutive month period has passed from your effective date; and b) The plan will pay only for Covered Expenses incurred after such 6 consecutive month period.

Q: After graduation, I plan to remain in the U.S. for practical training. Am I still eligible for coverage under Collegiate Care plans?

No. Once you graduate and are no longer attending school, you are no longer eligible for Collegiate Care plans. You should instead enroll in an insurance Plan for Visitors to the U.S.

Disclaimer

Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.