I am looking for a less expensive alternative insurance to Babson College’s. However, the terms used in the description page confuse me so I would like to ask you whether the Student Secure Budget Insurance satisfy the Massachusetts and J1 Federal law requirements or not, including these:
The Company must have its headquarters in the United States; an office in the U.S. does not meet this requirement.
The policy may not have an overall maximum benefit.
Emergency room visits that do not result in an admission to the hospital must be covered.
Mental health must be covered as any other illness or injury. This means that both in-patient and out-patient treatment must be covered.
Injuries or illnesses that occur as a result of alcohol, illegal drugs or as the result of an attempt to commit suicide must be covered as any other illness or injury.
Diagnosis and treatment of sexually transmitted diseases must be covered.
There must be coverage for pre-existing conditions.
The maximum yearly deductible cannot exceed $250.00 per year.
Must be portable to the State of Massachusetts.
Thank you in advance for your help.
Sincerely, Wasinee (Wendy) Yana
Student Secure Select does not cover injury/sickness due to alcohol or drug abuse.
Here is a plan that is most suited for your requirements. This plan meets the J1 Visa Requirements.
STUDY USA from USI Travel Insurance Services
This plan meets the J Visa requirements. This is available for the state of Massachusetts. There are 2 types of plans available under this plan.
STUDY USA Standard: This plan offers a policy maximum of $250,000 with a in network deductible of $50 and out of network deductible of $150.
STUDY USA Preferred: This plan offers a policy maximum of $300,000 with a in network deductible of $50 and out of network deductible of $150.