Compare Patriot Exchange and Navigator for Student 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.
| Brochure and Details link | |
| Coronavirus coverage | |
| Covers coronavirus medical expenses arising from Covid illness. | Not Covered |
| Hospital room and board | |
| Up to the average semi-private room rate. | Not Covered |
| Prescription Drugs | |
| Company pays 100% after deductible is met 90 day dispensing maximum |
100% of actual charge up to an annual maximum of $5,000. Maximum 90 - day supply |
| Coinsurance - Claims Incurred Inside the U.S | |
| Plan pays 100% | Within PPO:20%; Outside PPO: 40% |
| Coinsurance - Claims Incurred outside the U.S | |
| Plan pays 100% | Waived outside the US |
| Local Ambulance Benefit | |
| Company pay 100%.Transfer must be in patient hospital admission | In network: 80% to Coinsurance Maximum then 100% Out of network:60% to Coinsurance Maximum then 100% |
| Dental Treatment - Due to Accident | |
| $500 per accident | 100% of Covered Expenses up to $500 per Calendar Year maximum |
| Dental Treatment - Sudden Pain | |
| $350 maximum | Not Covered |
| Maternity | |
| Not covered | Covered after 364 days |
| Terrorism | |
| $50,000 | No Coverage |
| Intercollegiate, interscholastic, intramural or club sports | |
| Plan pays 100% after deductible is met for High School and college sports ONLY | Covered |
| Emergency Medical Evacuation | |
| $50,000 lifetime maximum | $250,000 lifetime maximum |
| Repatriation of Remains | |
| $25,000 for return of mortal remains or $5,000 maximum for cremation / burial | Maximum Benefit up to $25,000 |
| Pre-existing condition coverage | |
| Sudden & Unexpected Recurrence of a Pre-existing Condition (U.S. Citizens plan only) Eligible Medical Expenses: $5,000 lifetime maximum Emergency Medical Evacuation: $25,000 lifetime maximum |
Covered with creditable coverage within 365 days, can be reduced or eliminated if you have been covered by a creditable group or individual health insurance plan |
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