Study USA Insurance. Unique Features of Study USA Insurance for international students and US Students

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Study USA Health Insurance provides affordable student medical insurance to foreign students studying in the US and to US registered students studying abroad. This flexible, comprehensive plan is tailored to the specific needs of students and their dependents. Study USA Insurance meets the health insurance requirements for international students at many universities. Upon purchase we can complete the insurance waiver form of US universities and send it to the International Students' Office.

Brochure
Working Example
Advantages
COMPARATIVE ADVANTAGES
Offers coverage to F2 visa holders only if the F1 visa holders are covered under this plan.

Comprehensive coverage plan with benefits per incident.

This plan covers international students studying in US and US students studying outside the US.

Meets J1 Visa requirements.

Option for family coverage.

This plan meets most of the requirements set by Department of State, Immigration and naturalization services, NAFSA and university study abroad programs.

Initially can be purchased for one year and can be renewed later.

Policy has to be renewed within 30 days following the end of their current coverage period to avoid a lapse in coverage.

This plan covers for repatriation of remains, medical evacuation, AD&D, mental or nervous disorders and alcohol & substance abuse benefits, concierge services, dental treatment, therapeutic termination of pregnancy and ID theft service.

Offers coverage for pregnancy of an insured student or enrolled spouse if the conception of pregnancy occurs after the effective date of coverage.

Copay for prescription drugs - After you pay the deductible, $10 for generic and $20 for brand names.

For medical expenses up to $25,000, coinsurance within the network or outside the US, plan pays 80% and then pays up to 100% of covered expenses. Coinsurance out of the PPO network, plan pays 70% of the eligible medical expenses.

Waiver of deductible if medical service is first received from the student health center.

Round the clock emergency assistance for medical services, arranging communication between insured, insured family, doctors, legal emergencies etc.

Only student plan that covers 100% 1 wellness exam per year

Offers comprehensive coverage for students with M1 visa taking part in vocational training.
Disadvantages
DISADVANTAGES
The benefit for US students studying abroad is only $5000 for mental or nervous disorders and alcohol & substance abuse benefits

It does not cover the pregnancy of a dependent child.
Comprehensive
COMPREHENSIVE PLAN
Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care arouond the world. The plan is worth every penny of premium paid in the event of catastrophic medical emergencies.

These plans do not have benefit limits based on the type of medical expense.

Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)
Claims
Renewal
Provider Network

Frequently asked questions about Travelinsure insurance plans coverage for Coronavirus

Now that the CDC announced that the world is at a level 3 travel advisory, is there any coverage for your policies, particularly the travel or student policies, for COVID-19? Will these policies be voided given that clients are basically stuck wherever they are and there is no place "better" to travel to?

As of the CDC Global Warning Level 3 on March 27th, any insured not already located in a destination under a CDC Warning Level 3 has 10 days of coverage for charges related to COVID-19. Those already in a country under a CDC Warning Level 3 would have 10 days of coverage based on the date the warning for that country was first issued. Insureds will continue to be covered for eligible Non-Covid-19 related expenses after the 10 days have elapsed.

Will policies already purchased before March 27th where travelers where NOT in level 3 areas already have "normal" coverage for all illnesses except COVID-19 or will COVID-19 be covered for them?

They will have coverage through April 6th for COVID-19, which is the tenth day following the global warning on March 27th. After this, COVID-19 will no longer be covered, though coverage for all other eligible expenses will remain in place.

Will you be issuing new policies since the CDC announcement? Many people are currently stuck in countries with their other policies running out and non-renewable. Can they purchase a VisitUSA or StudyUSA policy? Will these policies cover any other illness, injury or accident as long as the person does not travel? Can they travel (say from US to Canada and back?)? Will they cover COVID-19 if they stay in one country or if they travel or not at all?

COVID-19 will not be covered under any current policy due to the CDC Global Warning Level 3. Policies will continue to cover other illness and accidents as per the policy wording. I understand that new coverages/plans may be considered in the future, though at this time no policies will be covering COVID-19.

Travel Insurance services insurance coverage for Coronavirus (Covid 19)

The USI global medical policies have an exclusion based on the Centers for Disease Control (CDC) Warning to avoid travel (level 3). Travelers who contract coronavirus in areas with a level 3 advisory will not be covered for coronavirus illness. If your travel began under a level 2 advisory and changed to level 3 during your trip, you will be covered even if they contracted it after the updated warning was issued.

Study USA Basic Plan Maximum $200,000 Deductible BUY NOW	Study USA Standard Plan Maximum $200,000 Deductible BUY NOW	Study USA Preferred 300 Plan Maximum $300,000 Deductible BUY NOW	Study USA Preferred 500 Plan Maximum $500,000 Deductible BUY NOW
Pre-existing Conditions Waiting Period
No Coverage	$500 maximum per certificate period; 12 months waiting period	12 months waiting period	6 months waiting period
Maximum per injury or illness
$100,000	$100,000	$300,000	$500,000
Deductible (except emergency room)
$100 in network / $150 out of network	$50 in network / $150 out of network	$45 in network / $90 out of network	$25 in network / $50 out of network
ER Deductible
$500 per incident	$350 per incident	$250 per incident	$100 per incident
Coinsurance inside the U.S.
In network: 80% after deductible, up to overall maximum limit Out of Network: Plan pays 100%	In network: 80% after deductible, up to $25,000, then overall maximum limit Out of Network: Plan pays 100%	In network: 80% after deductible, up to $25,000, then overall maximum limit Out of Network: Plan pays 100%	In network: 80% after deductible, up to $25,000, then overall maximum limit Out of Network: Plan pays 100%
Coinsurance outside the U.S.
Plan pays 100%	Plan pays 100%	Plan pays 100%	Plan pays 100%
Local Ambulance
$300 per injury or illness	$350 per injury or illness	$350 per injury or illness	$350 per injury or illness
Prescription Drugs
For outpatient prescription 50% of actual charges	$10 deductible for generic drugs $20 deductible for brand name	$10 deductible for generic drugs $20 deductible for brand name	$10 deductible for generic drugs $20 deductible for brand name
Wellness
Not Avaliable	100% of one routine physical exam per member	100% of one routine physical exam per member	100% of one routine physical exam per member
Physical Therapy & Chiropractic Care
Up to $25 per visit per day	Up to $50 per visit per day	Up to $50 per visit per day	Up to $75 per visit per day
Dental Treatment due to Accident
Not Available	Not Available	$1,000 maximum per certificate period	$1,000 maximum per certificate period
Dental Treatment due to Alleviate pain
Not Available	Not Available	$100	$100
Intercollegiate Interscholastic, Intramural or club sports
Not Available	$2,500 maximum per injury or illness. Medical Expenses Only	$5,000 maximum per injury or illness. Medical Expenses Only	$5,000 maximum per injury or illness. Medical Expenses Only
Mental Health Disorders
Outpatient $50 max per day, $500 max; Inpatient Up to $5,000 (excludes drug and alcohol abuse). No treatment at student health center	Outpatient $50 max per day, $500 max; Inpatient Up to $5,000 (excludes drug and alcohol abuse). No treatment at student health center	Outpatient $50 max per day, $500 max; Inpatient Up to $10,000 (includes drug and alcohol abuse). No treatment at student health center	Within PPO 80% of eligible expenses; Outside PPO up to overall maximum limit Outside U.S. 100% coinsurance No treatment at student health center (includes drug and alcohol abuse).
Maternity care for covered pregnancy
Not Avaliable	IN PPO NETWORK: 80% of eligible expenses; OUT OF PPO NETWORK: Up to the overall maximum. Outside US: 100% coinsurance up to overall maximum	IN PPO NETWORK: 80% of eligible expenses; OUT OF PPO NETWORK: Up to the overall maximum. Outside US: 100% coinsurance up to overall maximum	IN PPO NETWORK: 80% of eligible expenses; OUT OF PPO NETWORK: Up to the overall maximum. Outside US: 100% coinsurance up to overall maximum
Repatriation of Remains
$25,000 lifetime maximum	$25,000 lifetime maximum	$25,000 lifetime maximum	$25,000 lifetime maximum
Terrorism
Up to $50,000 lifetime maximum	Up to $50,000 lifetime maximum	Up to $50,000 lifetime maximum	Up to $50,000 lifetime maximum
Accidental Death and Dismemberment
Up to $10,000 lifetime maximum	Up to $25,000 lifetime maximum	Up to $25,000 lifetime maximum	Up to $25,000 lifetime maximum
Emergency Reunion
Up to $1,500, maximum of 15 days	Up to $2,500, maximum of 15 days	Up to $2,500, maximum of 15 days	Up to $5,000, maximum of 15 days

Study USA Basic

Plan Maximum

$200,000

Deductible

BUY NOW

Study USA Standard

Plan Maximum

$200,000

Deductible

BUY NOW

Study USA Preferred 300

Plan Maximum

$300,000

Deductible

BUY NOW

Study USA Preferred 500

Plan Maximum

$500,000

Deductible

BUY NOW

Pre-existing Conditions Waiting Period

No Coverage

$500 maximum per certificate period; 12 months waiting period

12 months waiting period

6 months waiting period

Maximum per injury or illness

$100,000

$300,000

$500,000

Deductible (except emergency room)

$100 in network / $150 out of network

$50 in network / $150 out of network

$45 in network / $90 out of network

$25 in network / $50 out of network

ER Deductible

$500 per incident

$350 per incident

$250 per incident

$100 per incident

Coinsurance inside the U.S.

In network: 80% after deductible, up to overall maximum limit
Out of Network: Plan pays 100%

In network: 80% after deductible, up to $25,000, then overall maximum limit
Out of Network: Plan pays 100%

Coinsurance outside the U.S.

Plan pays 100%

Local Ambulance

$300 per injury or illness

$350 per injury or illness

Prescription Drugs

For outpatient prescription 50% of actual charges

$10 deductible for generic drugs
$20 deductible for brand name

Wellness

Not Avaliable

100% of one routine physical exam per member

Physical Therapy & Chiropractic Care

Up to $25 per visit per day

Up to $50 per visit per day

Up to $75 per visit per day

Dental Treatment due to Accident

Not Available

$1,000 maximum per certificate period

Dental Treatment due to Alleviate pain

Not Available

$100

Intercollegiate Interscholastic, Intramural or club sports

Not Available

$2,500 maximum per injury or illness. Medical Expenses Only

$5,000 maximum per injury or illness. Medical Expenses Only

Mental Health Disorders

Outpatient $50 max per day, $500 max;
Inpatient Up to $5,000 (excludes drug and alcohol abuse).
No treatment at student health center

Outpatient $50 max per day, $500 max;
Inpatient Up to $10,000 (includes drug and alcohol abuse).
No treatment at student health center

Within PPO 80% of eligible expenses; Outside PPO up to overall maximum limit
Outside U.S. 100% coinsurance
No treatment at student health center (includes drug and alcohol abuse).

Maternity care for covered pregnancy

Not Avaliable

IN PPO NETWORK: 80% of eligible expenses; OUT OF PPO NETWORK: Up to the overall maximum.
Outside US: 100% coinsurance up to overall maximum

Repatriation of Remains

$25,000 lifetime maximum

Terrorism

Up to $50,000 lifetime maximum

Accidental Death and Dismemberment

Up to $10,000 lifetime maximum

Up to $25,000 lifetime maximum

Emergency Reunion

Up to $1,500, maximum of 15 days

Up to $2,500, maximum of 15 days

Up to $5,000, maximum of 15 days

Study USA Insurance

Frequently asked questions about Travelinsure insurance plans coverage for Coronavirus

Travel Insurance services insurance coverage for Coronavirus (Covid 19)

Plan Benefits of Study USA insurance, Study USA HealthCare Review

Study USA HealthCare Insurance plan highlights

Related links for Study USA Health Insurance for International Students

Study USA Insurance Forum

Study USA Insurance Blog

Travel Insure - Provider network and how to find hospital or doctor?

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