July 24, 2010
Students Studying Abroad Pack Study USA Insurance For Safety
If you are an international student in the U.S. or elsewhere, in most cases, you must have student health insurance. While you might be overwhelmed by the new experience of a new country, you can do without. International students are required to possess student health insurance, whether through a college-sponsored or private plan. One such plan is the Study USA-Healthcare plan.
It is important for a student health insurance plan to satisfy the requirements that an educational institution or government imposes. The Study USA health care insurance plan is available for international students in the U.S. and for U.S. students studying abroad. The plan meets the requirements set by the U.S. Department of State, the U.S. Citizenship and Immigration Services, and most university study abroad programs.
The Study USA healthcare plan comes in two flavors, and the student can choose the best plan for individual needs. The student can choose the Study USA insurance plan option that best meets individual university guidelines. The two options are $250,000 and $300,000 per medical incident.
Within the Study USA health insurance plan’s PPO network, the benefits pay out at 80%, after a $50 deductible for the first $25,000 and then 100%. For out-of-network healthcare, the Study USA plan co-insurance amount is 70%, and the deductible amount is fixed at $150. The deductible is waived if the student’s first stop for care is at the Student Health Center.
The benefits that are included in the Study USA health insurance plan are medical expenses, emergency medical evacuation, accidental death and dismemberment, mental or nervous disorders, alcohol and substance abuse, repatriation of remains, and bedside visitation. However, the plan excludes optical and dental care (exceptions apply), pre- existing conditions within a waiting period, and medical care not deemed necessary.
Covered medical expenses of the Study USA health insurance plan include hospitalization and outpatient consultation charges, physician charges, surgical expenses, medical tests and diagnostics, physiotherapy (if recommended by the attending physician), and chiropractic expenses, where necessary. If natural teeth are damaged, care related to their restoration may be covered.
As is the norm, there are also several additional services that are available as part of the Study USA health insurance plan. Some of these include emergency travelers’ assistance, ID Theft assistance service (available only in the United States) and concierge services, which help the student with information about entertainment and activities at the place of study.
Enrolment to Study USA-HealthCare plan is easy, and can be done online. Coverage can begin as early as the day after payment. The affordable plan can cost as low as $38 monthly. The plan underwriters are the Insurance Company of the State of Pennsylvania.
Filed under African American Scholarships by Cathy