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

Plan Benefits of Study USA insurance

Age

Start Date

End Date

Coverage

Citizenship

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 insurance plan highlights

Overall Maximum Limit^?: $200,000, $300,000, $500,000;
Insurance Provider: Travel Insurance Services
Plan Name: Study USA
Study USA Insurance satisfies J1 visa requirements
J1 Visa requirements
Maximum medical benefits of at least $100,000 per accident or illness.

Repatriation of remains coverage of $25,000.

$50,000 coverage for expenses associated with the medical evacuation of the exchange visitor to his or her home country.

A deductible not to exceed $500 per accident or illness.
Underwriter: Underwritten by HCC Lloyd’s Syndicate 4141