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

12 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 $8,000.

80% up to $15,000.

80% up to $25,000.

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