Compare Patriot Exchange vs Student Health Advantage by IMG

Compare Patriot Exchange and Student Health Advantage plans with various maximum coverage limits & deductibles. We have provided a friendly insurance compare facility where you can compare these policies, download plan brochures, obtain online quotes and also purchase plans.

Compare Patriot Exchange vs Student Health Advantage

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Maximum coverage:
Deductible
Maximum coverage:
Deductible
Maximum coverage:
Deductible
Brochure & Details links
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Hospital room and board
Up to average semi-private room rate. Average semi-private room rate. Includes nursing service Average semi-private room rate. Includes nursing service
Prescription Drugs
Company pays 100% after deductible is met 90 day dispensing maximum Inpatient - After deductible is met, company pays 80% of expenses out-of-network(U.S.) or 100% in-network(U.S.) and internationally
Outpatient- 50% of actual charges
90 day dispensing maximum
Inpatient - After deductible is met, company pays 80% of expenses out-of-network(U.S.) or 100% in-network(U.S.) and internationally
Outpatient- 50% of actual charges
90 day dispensing maximum
Physical Therapy
Company pays 100% after deductible is met, one visit per day After deductible is met, company pays 80% of expenses out-of-network(U.S.) or 100% in-network(U.S.) and internationally; limit one visit per day After deductible is met, company pays 80% of expenses out-of-network(U.S.) or 100% in-network(U.S.) and internationally; limit one visit per day
Waiver of Pre-existing Conditions
For condition existing within 36 months before effective date. After 12 months of continous coverage $500 per period of coverage; $1,500 lifetime maximum. Charges excluded until after 12 months of continuous coverage Charges excluded until after 6 months of continuous coverage
Mental Illness including Alcohol & Substance Abuse
Not covered if incurred in student health center
Inpatient: $10,000 maximum limit
Outpatient: $50 maximum limit per day.$500 maximum limit
Outpatient : $50 per day; $500 maximum limit
Inpatient : After deductible is met, company pays 80% of expenses out of network(U.S.) or 100% in network(U.S.) and internationally upto $10,000 maximum limit; Student health center treatment :$0
Outpatient : $50 per day; $500 maximum limit
Inpatient : After deductible is met, company pays 80% of expenses out of network(U.S.) or 100% in network(U.S.) and internationally upto $10,000 maximum limit; Student health center treatment :$0
Dental - Sudden Relief of Pain
$350 $350 $350
Dental - Accident
$500 $500 $500
Emergency Medical Evacuation & Repatriation
$50,000 lifetime maximum $500,000 lifetime maximum $500,000 lifetime maximum
Emergency Medical Reunion
$15,000 lifetime maximum $50,000 lifetime maximum $50,000 lifetime maximum
Return of Mortal Remains
$25,000 $50,000 lifetime maximum $50,000 lifetime maximum
Political Evacuation & Repatriation
$10,000 $10,000 $10,000
Terrorism
$50,000 $50,000 $50,000
Accidental Death and Dismemberment (AD&D)
$25,000 principal sum, Not subject to deductible $25,000 principal sum, Spouse : $10,000 principal sum; Dependent child : $5,000 principal sum; $25,000 principal sum, Spouse : $10,000 principal sum; Dependent child : $5,000 principal sum;
Personal liability
Injury to third party: $2,000 per period of coverage limit after $100 deductible; Damgae to third party's property: $500 per period of coverage limit after $100 deductible $10,000 combined maximum limit; Injury to third person : subject to a $100 per injury deductible; Damage to third person's property : subject to a $100 per damage deductible; $10,000 combined maximum limit; Injury to third person : subject to a $100 per injury deductible; Damage to third person's property : subject to a $100 per damage deductible;
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