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Student Health Insurance for J1 and J2 Visa holders from Athens
Dear Mam/Sir,I would like to apply for the insurance with your company. I have come here in J1 visa and my spouse is with me on J2. The type of insurance that I am interested in is the Student Health Advantage (Standard) for me and my husband. I went through the brochure that was provided online, however, I need to understand some terms as they seem to be a bit complicated for me to understand. Here are the following points:
- Is the deductible amount that is mentioned is the amount that I will have to pay from my pocket whenever I visit a doctor ??? (Like here, they say 100 $ per illness or injury)
- What does co-insurance exactly mean???
- What is Outside US and Canada-No coinsurance - Does it mean that I do not pay from my pocket or you will not pay for it??
- In PPO network or student health center-No coinsurance - What is meant by PPO ??
- Out of PPO network - 80% of eligible expenses up to 5000, then 100% thereafter means what??
- Can you also explain about the maternity points, they have mentioned PPO provider, what does it mean?? I am located in Athens and will I have that service here??
- In Pre-existing conditions, its written as after 12 months of continuous coverage, what does that mean?? Like now I would like to have it for 6 months, so will I not be eligible for this !!!
- What is AD and D ??
Thank you.
Regards,
Poonam
Dear Poonam,Thank you for contacting us at American Visitor Insurance for your Students health insurance needs!
Following are the answers to your queries:
- Is the deductible amount that is mentioned is the amount that I will have to pay from my pocket whenever I visit a doctor ??? (Like here, they say 100 $ per illness or injury)
Answer: The deductible of per illness or injury means that each time a new illness or new emergency arises, there is a $100 deductible that you will have to pay. Follow up visits will not be considered new, therefore, there will be no deductible involved. Usage of a Student Health Center is only $5 deductible. - What does co-insurance exactly mean???
Answer: Besides the deductible that you will have to pay, Co insurance is another out of pocket expense for you.- What is Outside US and Canada-No coinsurance - Does it mean that I do not pay from my pocket or you will not pay for it ??
Answer: Yes, Co insurance does not apply outside the US or in Canada. Co insurance only applies in the US, so that company will pay all eligible expenses. - In PPO network or student health center-No coinsurance - What is meant by PPO ??
Answer: For co-insurance purposes, Student Health Advantage operates with a PPO network. In order to avoid paying co insurance, you must see a provider within the PPO network. Using the link below, you will be able to search for providers that are in the network:
US PPO
Usage of Student Health Center does not involve paying a co-insurance. - Out of PPO network - 80% of eligible expenses up to $5,000, then 100% thereafter means what???
Answer: If you decide to utilize providers outside the PPO network, then the co insurance will kick in. It means that the insurance plan will pay 80% for the first $5,000 medical expenses. Your part is the 20% of the first $5000. After this part is meet, the insurance will pay 100%.
- What is Outside US and Canada-No coinsurance - Does it mean that I do not pay from my pocket or you will not pay for it ??
- Can you also explain about the maternity points, they have mentioned PPO provider, what does it mean?? I am located in Athens and will I have that service here??
Answer: First of all, if pregnancy occurs after the effective date, you need to get a pre certification.
For maternity coverage, the plan will pay 80% eligible expenses to maximum limit within the PPO network in the US and in Canada.
To search for Gynecologist in your area use the link provided above using your zip code and specific provider you are looking for. - In Pre-existing conditions, it is written as after 12 months of continuous coverage, what does that mean?? Like now I would like to have it for 6 months, so will I not be eligible for this !!!
Answer: Coverage for pre-existing coverage is only available after 12 months of continuous coverage. Less than a year of coverage will not have coverage for pre-existing condition. - What is AD and D ??
Answer: AD and D stands for Accidental Death and Dismemberment. It means that if the primary holder and in your case the J1 visa holder will die accidentally, the dependent spouse or whoever is listed on the application will receive $10,000 as a result from that death. And Dismemberment means that if the primary holder will loses both eyes, ears, arms and legs, then the spouse or whoever is listed on the application will receive $10,000.
Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910
Student Health Advantage-FAQ's
How long can I renew Student Health Advantage?
Student Health Advantage can be renewed monthly for up to 12 months and it can be renewed for maximum of 60 months.
Can f2 visa holder buy Student Health Advantage insurance?
Student Health Advantage is one of the best health insurance for f1 student's dependents which an F2 visa holder. The F2 visa holder can buy even if the corresponding F1 visa holder is not enrolled in the same plan..
Does Student Health Advantage Insurance cover covid illness?
IMG Covid19 travel insurance by Student Health Advantage insurance for coronavirus coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.
Is IMG a good insurance company?
IMG is an award-winning provider of global insurance benefits and assistance services. International Medical Group (IMG) has been in the international travel health insurance market for 27 years and the company has been providing excellent world class medical insurance plans during this time. IMG on average takes less than 30 days to settle its claims.
International Medical Group provides US citizens and non-US citizens with international insurance resources to ease the stress of an unfamiliar culture or medical system. Whether you need individual coverage for a vacation, or group coverage for employees in locations around the world. It has an IMG international travel insurance plan to meet your needs.
International Medical Group, IMG Patriot travel insurance links
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