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Student Health Advantage Standard Insurance

Quotes & Purchase

Please use this high level information as a guide only and do not make any decisions solely based on this information. If you have any concerns, doubts or questions, please refer to the individual policy details for complete information, as it is not possible to accurately represent all the details in concise information such as follows, or call us for further details. If there is any discrepancy between this information and the actual policy details, the policy details will override.

All the amounts are in U.S. dollars.

Vision (eyeglasses, etc.) is not covered in any of the plans.

General

Student Health Advantage℠ Standard
Comprehensive
Within PPO network: After deductible, plan pays 90% up to $10,000, then 100% up to the policy maximum. Outside PPO network: After deductible, plan pays 80% up to the policy maximum. Outside US: After deductible, covers at 100% up to the policy maximum.
$5 copay, deductible waived

Medical - Outpatient

To policy maximum 1 visit per day.
To policy maximum 1 visit per day.
To policy maximum Extra $250 copay for illness visit that does not result in hospital admission.
50% of actual charges. Period of coverage limit: $250,000 per person. ($100,000 for dependents).
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum

Medical - Inpatient

To policy maximum, average semi-private room including nursing services.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum

Medical - Other Treatment And Services

-
Standard basic hospital bed and/or standard basic wheelchair
School/Club Sports: $5,000 per injury/illness. Optional: Adventure Sports.
$350 per injury/illness, for injury or if covered illness results in hospital admission.
-
$10,000. Cannot be provided at a Student Health Center.
$50 per day, $500 maximum. Cannot be provided at a Student Health Center.
Included in the Mental & Nervous Disorder benefit
Chiropractic Care: To policy maximum
Physical Therapy: To policy maximum, 1 visit per day

Must be ordered in advance by physician
United Healthcare PPO
Network of physicians, hospitals, urgent cares, labs and other healthcare providers.
No network for pharmacies, dentists, ambulance.
Yes
After 12 month waiting period, same as any other eligible medical expense.
-
-
-
50% reduction in benefits
Included

Dental

$350 for pain, $500 for non-emergency injury
To policy maximum

Travel

-
-
-
$50,000, maximum of 15 days
$500,000. Medically Necessary Repatriation up to $100,000.
$50,000
$5,000
$10,000

Life

Insured: $25,000, Spouse: $10,000, Child: $5,000
Insured: $25,000, Spouse: $10,000, Child: $5,000

Other

-
Incidental: 14 days after 30 days of continuous coverage, non-US residents only.
-
-
-
$10,000
$50,000
Outside Country of Residence

Plan Features

Before effective date, full refund. After effective date, pro-rated refund for whole months minus $50 cancellation fee, as long as no claims have been filed since the effective date; form required.
1 month up to 5 years
$0
-
Email
Per Incident
$250 Up to 64
Per Incident
$300,000 Up to 64
International Medical Group (IMG)
SiriusPoint Specialty Insurance Corporation
A- "Excellent"

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Quotes & Purchase
  • For medical benefits, to policy maximum, refer to the Usual, Reasonable and Customary Charges. Deductible and coinsurance apply, unless otherwise noted.
  • Whenever there is a difference in benefits levels within PPO network and outside PPO network, the benefits shown above are applicable when availing treatment within PPO network.
  • Coverages shown are per person unless noted otherwise.
  • The dash (-) in the fields above means Not Applicable (N/A).
DISCLAIMER: This is a high level description of the insurance plan meant to provide a quick overview. It may not describe all possible scenarios or coverages in all different cases. Please refer to the brochure and the certificate wording for complete details. Even though we have tried our best to accurately describe the plan, if there is any discrepancy between this description and the certificate wording, the certificate wording will prevail.

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