Factors to consider while buying student medical insurance
Student insurance plans are available in wide range of policy maximums starting from $50,000 to $8,000,000. Usually student plans have an university requirement for a per injury sickness plans. All of the student plans satisfy this requirement.
Most of the times customers are confused while understanding the difference between deductible?, co-insurance? and co-pay?. All the three represent a portion of the medical bill that you as customer might incur in case of any unexpected sickness and injury which is otherwise going to be out of pocket expense.
The most Universities specify a requirement in the health insurance plan is pre-exisiting condition coverage. The student plans have a minimum 6 month waiting period for coverage of pre-existing conditions.. Read More
The student plans cover maternity for a covered pregnancy. American Student Insurance provides student plans with maternity benefit if the pregnancy occurs after the insurance becomes effective. Student Secure, Student Health Advantage Platinum, Geoblue Navigator and Study USA plans are some of the popular plans that cover maternity...Read More
Most of the student plans cover the sports benefit. Some of the plans provide coverage for intercollegiate and interscholastic sports etc... Read More
Most of the student plans in American Student Insurance provide coverage for mental health and drug abuse which is also requirement specified in most Univeristy requirement. Student Secure, Student Health Advantage Platinum, Geoblue Navigator and Study USA plans are some of the popular plans that Mental Health.
Very few student plans provide coverage for preventive care and wellness checkup. The Navigator for Student plan from Geoblue. The Study USA plan from Travel Insurance Services provides 100% coverage for one wellness checkup for the entire benefit period.
Normally all the student plans cover the spouse on F2 Visa. There is one plan that covers just the F2 without F1 being on the same plan. This is an exceptional case. In some cases we come across students on F1 having their school health insurance for themselves and are looking for private insurance for their spouse who is on F2. Patriot Exchange is a plan that satisfies this condition and is popular student plan for such case...Read More