COMPARE PLANS: Health Insurance for International Students

StudyUSA-HealthCare offers four plan levels to meet your needs and budget: Basic, Standard, Preferred and Platinum.

Scroll down to see Benefits Table

Please read How Study USA-HealthCare Works for a brief explanation of how to use this plan.

If you have questions, please visit the FAQ and/or contact us!

 

Basic

Standard

Preferred

Platinum

Maximum Medical Limit

$200,000

$200,000

$600,000

$3,000,000

Maximum Injury or Illness

$100,000

$100,000

$300,000

$500,000

No coverage for pre-existing conditions

12 Months

6 Months

6 Months

In-Network Deductible
(except Emergency Room)

$250 per Injury or Illness with the Preferred Provider Organization or Student Health Center; otherwise $500 per Injury or Illness

$100 per Injury or Illness with the Preferred Provider Organization or Student Health Center; otherwise $250 per Injury or Illness

$50 per Injury or Illness with the Preferred Provider Organization or Student Health Center; otherwise $150 per Injury or Illness

$25 per Injury or Illness with the Preferred Provider Organization or Student Health Center; otherwise $100 per Injury or Illness

Emergency Room Deductible

$500 per incident

$350 per incident

$250 per incident

$100 per incident

Coinsurance

80% of eligible expenses after deductible up to the overall max limit

80% in network/ Usual, reasonable and customary outside of network

80% in network to $25K/Usual, reasonable and customary outside of network

85% of the first $10k in network/Usual, reasonable and customary outside of network

Local Ambulance

$300 per injury or illness, when covered illness or injury results in hospitalization as inpatient

$350 per injury or illness

$350 per injury or illness

$350 per injury or illness

Prescription Drugs (Outpatient)

50% of actual charges

$30 copay generic / $100 copay brand name

$15 copay generic / $50 copay brand name

$15 copay generic / $30 copay brand name

Wellness

N/A

100% of one routine physical exam per member

100% of one routine physical exam per member

100% of one routine physical exam per member

Vaccinations

N/A

N/A

N/A

Optional buyup

Acute Onset of Pre-existing Conditions**

Not covered

$5,000

Not covered

Not covered

Physical Therapy & Chiropractic Care

$25 per visit per day. Must be ordered in advance by a physician and not obtained at a student health center.

$50 per visit per day.

$50 per visit per day.

$75 per visit per day.

Dental Treatment
(Due to Accident)

N/A

N/A

$1,000 maximum per certificate period

$1,000 maximum per certificate period

Dental Treatment
(to alleviate pain)

N/A

N/A

$100

$100

Mental Health Disorders (Excludes drug and alcohol abuse)

Outpatient: $50 maximum per day, $500 maximum. Inpatient: up to $5,000

Outpatient: $50 maximum per day, $500 maximum. Inpatient: up to $5,000

Outpatient: $50 maximum per day, $500 maximum. Inpatient: up to $10,000

80% in network; Out of network: Usual, reasonable and customary. Outpatient: Maximum of 30 visits. Inpatient: Maximum of 30 days.

Emergency Medical Evacuation

$50,000 lifetime maximum

$250,000 lifetime maximum

$500,000 lifetime maximum

$500,000 lifetime maximum

Accidental Death & Dismemberment

Not Covered

$5,000 lifetime maximum

$25,000 lifetime maximum

$25,000 lifetime maximum

Repatriation of Remains

$25,000 lifetime maximum

$25,000 lifetime maximum

$25,000 lifetime maximum

$50,000 lifetime maximum

Maternity Care for Covered Pregnancy

N/A

80% up to $5,000.

80% up to $10,000.

80% up to $20,000.

Intramural, Intercollegiate, Interscholastic or Club Sports

Not Covered

Not Covered

Not Covered

Optional Buyup: $10,000

Terrorism

Not Covered

Not Covered

$50,000 lifetime maximum

$50,000 lifetime maximum

Emergency Reunion

$1,500, subject to a maximum of 15 days

$2,500, subject to a maximum of 15 days

$2,500, subject to a maximum of 15 days

$5,000, subject to a maximum of 15 days

Personal Liability

N/A

N/A

N/A

$150,000 ($1,500 for 3rd person property)

COVID-19

Not covered

Covered

Covered

Covered

 

*Pre-existing Condition means any: (1) condition for which medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) was recommended or received during the 12 months immediately preceding the certificate effective date; (2) condition that had manifested itself in such a manner that would have caused a reasonably prudent person to seek medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) within the 12 months immediately preceding the certificate effective date; (3) injury, illness, sickness, disease, or other physical, medical, mental, or nervous conditions, disorder or ailment (whether known or unknown) that, with reasonable medical certainty, existed at the time of application or within the 12 months immediately preceding the certificate effective date.

Pre-existing conditions are excluded during the waiting period. For Study USA-HealthCare Standard and StudyUSA Preferred 300, the waiting period is 12 months. For Study USA-HealthCare Preferred 500, the waiting period is 6 months. The Study USA-HealthCare Basic plan does not have coverage for pre-existing conditions.



**An Acute Onset of Pre-existing Condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Chronic and congenital conditions are excluded from coverage.