Student Health Advantage - Standard
Limited Coverage- AM Best Rating
- A (Excellent)
- Carrier/Underwriter
- IMG
- Administrator
- Sirius International
Renewable & Cancelable
Basic Coverage Plan
Coverage from 5 days to 365 days
PPO
UnitedHealthcare Network Urgent Care
- Cannot accept an address in Maryland (MD).
Student Health Advantage is designed to meet the needs of international students, scholars, and faculty, their families, and groups of two or more involved in long-term educational programs. In addition to meeting the requirements of the J1 Visa, this plan includes benefits for maternity, mental health and organized sports. After a period of 12 months, pre-existing conditions will be covered as well.
Please review Student Health Advantage Insurance Brochure
or policy document for complete and accurate coverage information. Out-Patient
Dr. / Physician Visit
Inside PPO Network or Student Health Center: Insurance pays 100 % after deductible, to coverage maximum.
Outside PPO Network : Insurance company will pay 80% of $5,000 of Eligible Expenses after deductible, then 100% to coverage maximum.
Prescription Drugs / Medicines
Inside PPO Network or Student Health Center: Insurance pays 100 % after deductible, to coverage maximum.
Outside PPO Network : Insurance company will pay 80% of $5,000 of Eligible Expenses after deductible, then 100% to coverage maximum.
(For Outpatient Perscription insurance pays 50% of Actual Charges),
Lab & X-rays
Inside PPO Network or Student Health Center: Insurance pays 100 % after deductible, to coverage maximum.
Outside PPO Network : Insurance company will pay 80% of $5,000 of Eligible Expenses after deductible, then 100% to coverage maximum.
Physical Therapy
Inside PPO Network or Student Health Center: Insurance pays 100 % after deductible, to coverage maximum.(Limit Once per day)
Outside PPO Network : Insurance company will pay 80% of $5,000 of Eligible Expenses after deductible, then 100% to coverage maximum. (Limit Once per day)
In-Patient
Hospital Room
Inside PPO Network or Student Health Center: Insurance pays 100 % after deductible, to coverage maximum.
Outside PPO Network : Insurance company will pay 80% of $5,000 of Eligible Expenses after deductible, then 100% to coverage maximum.
Hospital Intensive Care Unit
Inside PPO Network or Student Health Center: Insurance pays 100 % after deductible, to coverage maximum.
Outside PPO Network : Insurance company will pay 80% of $5,000 of Eligible Expenses after deductible, then 100% to coverage maximum.
Emergency Services
Ambulance Expenses
Up to $500 per injury
Up to $350 per illness (only if admitted as in-patient)
Dental
Acute, spontaneous and unexpected pain
Up to $350 (Not Available for Basic Short Term Plan )
Accidental emergency
Up to $500 (Not Available for Basic Short Term Plan )
Travel
Emergency Medical Evacuation / Repatriation
Up to $500,000 life maximum (independent of Maximum limit)
Return of Remains
Up to $50,000 Maximum
Emergency Reunion
Up to $50,000 Maximum
Return of minor Child(ren)
Not Covered
Loss of checked Baggage
Covered under Optional Add-On plan
Life
AD&D
Student : $25,000
Dependent Spouse :$10,000
Dependent Child :$5000
Other
Pre-Existing Conditions
Covered after 12 months of continuous coverage( Rider Available for certain states resident . See policy details)
Maternity
Covered
Incidental Home Country Coverage
Available only for non-US citizens
General Physical full Checkup
Not Covered
Terrorism Coverage
Up to $50,000 Life Time Maximum
Brochure
Support
24-Hrs Emergency Assistance
Yes. Contact number and details can be found on the ID card.
Plan Administrator Company
IMG
Carrier / Underwriter
Sirius International
Deductible Content
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.
Since deductible is per incident for these type of plans. It is a good idea to select a lower deductible such as “0“.
Plan Type
Comprehensive Coverage Plan
AM Best Rating
A (Excellent)
Coverage in U.S.A.
Covered
Coverage outside U.S.A.
Covered
Co-Pay
$5 per visit for Student Health Center
Co-Insurance
Inside PPO Network or Student Health Center: Insurance company will pay 100 % after deductible, to coverage maximum.
Outside PPO Network: Insurance company will pay 80% of $5,000 of Eligible Expenses after deductible, then 100% to coverage maximum.
Coverage Type
Per Illness or Injury
Deductible Type
$100 per Illness or Injury
Renewability
Renewable (Only if initially purchased for 3 month) provided there is no break in coverage , up to a maximum period of 5 years.
Cancellation
Full refund available if cancelled before start date. Only Monthly refund available after start date if no claims have been made( $50 Cancellation Fee Applicable)
PPO Network
UnitedHealthcare Network
Coverage Length
Min 1 month to Max 5 years
Available Deductibles
$100
Available Coverage
Ages 14 days - 64 years
Student: $300,000 (Lifetime Maximum :$500,000)
Dependent: $100,000 (Lifetime Maximum :$100,000)
Provider Directory
By Provider, 24 hours Worldwide, Phone Nos. : 866-281-1688
Plan Brochure
Student Health Advantage Insurance - Plan FAQs | ||||||||
Q1: Am I eligible for the Student Health Advantage program? | ||||||||
Q2: Are a student's dependents eligible for coverage? | ||||||||
Q3. What does the optional Adventure Sports Rider cover?
| ||||||||
Q4: Can I renew the Student Health Advantage plan? | ||||||||
Q5: Can I cancel the Student Health Advantage plan? | ||||||||
Q6: Does this plan cover any pre-existing conditions? | ||||||||
Q7. Does Student Health Advantage program cover pregnancy? | ||||||||
Q8. Which doctor or hospital can I go to? | ||||||||
Q9: What information do I need to purchase this insurance? | ||||||||
Q10: When will I receive my ID card? | ||||||||
Q11: Where can I find answers to other questions I have? | ||||||||
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.
