Dear customer support,,
Do you offer group international student health and accident policies for colleges in the U.S?
Thank you for contacting us for your health insurance needs! Here are some options for your international students:
Patriot Exchange Group administered by International Medical Group (IMG)
This is a student policy with a $100 deductible per injury/sickness. The student would only pay the deductible and nothing after that (unless there is another sickness or injury). Also, if a student can use a college health center, they only pay a $5 copay (no deductible). These are great advantages to the plan. The plan is only for sudden illness and accident and will not cover collegiate sports involvement (recreational activities are OK). No mental health or maternity coverage. There are several maximum options: $50,000, $250,000 and $500,000. The approximate costs by age and maximum per month are as follows:
Group policy is a visitor policy also administered by IMG (not just for students). The student pays a one time deductible. After that, they pay a 10 or 20% coinsurance amount up to $5000. It is 10% if they are within the PPO network and 20% if they are outside the network. There is no coverage for collegiate sports (recreational activities are OK). No mental health or maternity coverage. This policy has many deductible options from $0 to $2,500. I will only list a $100 deductible option here to compare with the other policies I am presenting. Here are approximate costs by age and maximum:
Student Health Advantage
is a more complete student plan. It covers up to $5,000 for collegiate sports, as well as mental health and maternity coverage. This policy is only available with a $100 deductible per injury/sickness and a $500,000 maximum. It also has a $5 copay if used at a student health center. The student, if outside the health center, will pay the deductible plus 20% of the next $5,000 in coinsurance if they are outside the company network. It will cost $85 per month for a student age 19-23 and $98 for a student ages 24-30.
I researched some other companies, but the costs were higher and I have had very good experience with this company and putting groups together. I'm not sure how you bill students, but it may be that we can sign up a batch for fall semester and then a second batch in the spring (to eliminate double payment for those graduating). I will have to talk to my contact about removing students. Usually, once the policy starts they charge a fee for cancellation, but I can see what we can do for you there.
Here is a link to the company's PPO network in case you want to see coverage in your area:
imglobal ppo network
Let me know which option you are most interested in and I can contact the company to get more details on how we can handle cancellations. Last minute additions should not be an issue.
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