Study USA Insurance for International students and US students

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Study USA insurance is an ideal medical insurance for International students pursuing their studies outside their home country (F1 visa in the USA). The medical insurance coverage of Study USA meets the requirements stipulated by the US Department of State, immigration & Naturalization Services and NAFSA. Study USA insurance is widely accepted by American universities and is very popular with international students. It is administered by Travel Insurance Services

Benefits Details

Coverage Basic Standard Preferred 300 Preferred 500
Pre-existing Conditions Waiting Period No Coverage $500 maximum per certificate period; 12 months waiting period 12 months waiting period 6 months waiting period
Maximum per injury or illness $100,000 $100,000 $300,000 $500,000
Deductible (except emergency room) $100 in network / $150 out of network $50 in network / $150 out of network $45 in network / $90 out of network $25 in network / $50 out of network
ER Deductible $500 per incident $350 per incident $250 per incident $100 per incident
Coinsurance inside the U.S. In network: 80% after deductible, up to overall maximum limit
Out of Network: Plan pays 100%
In network: 80% after deductible, up to $25,000, then overall maximum limit
Out of Network: Plan pays 100%
In network: 80% after deductible, up to $25,000, then overall maximum limit
Out of Network: Plan pays 100%
In network: 80% after deductible, up to $25,000, then overall maximum limit
Out of Network: Plan pays 100%
Coinsurance outside the U.S. Plan pays 100% Plan pays 100% Plan pays 100% Plan pays 100%
Local Ambulance $300 per injury or illness $350 per injury or illness $350 per injury or illness $350 per injury or illness
Prescription Drugs For outpatient prescription 50% of actual charges $10 deductible for generic drugs
$20 deductible for brand name
$10 deductible for generic drugs
$20 deductible for brand name
$10 deductible for generic drugs
$20 deductible for brand name
Wellness Not Avaliable 100% of one routine physical exam per member 100% of one routine physical exam per member 100% of one routine physical exam per member
Physical Therapy & Chiropractic Care Up to $25 per visit per day Up to $50 per visit per day Up to $50 per visit per day Up to $75 per visit per day
Dental Treatment due to Accident Not Available Not Available $1,000 maximum per certificate period $1,000 maximum per certificate period
Dental Treatment due to Alleviate pain Not Available Not Available $100 $100
Intercollegiate Interscholastic, Intramural or club sports Not Available $2,500 maximum per injury or illness. Medical Expenses Only $5,000 maximum per injury or illness. Medical Expenses Only $5,000 maximum per injury or illness. Medical Expenses Only
Mental Health Disorders Outpatient $50 max per day, $500 max;
Inpatient Up to $5,000 (excludes drug and alcohol abuse).
No treatment at student health center
Outpatient $50 max per day, $500 max;
Inpatient Up to $5,000 (excludes drug and alcohol abuse).
No treatment at student health center
Outpatient $50 max per day, $500 max;
Inpatient Up to $5,000 (excludes drug and alcohol abuse).
No treatment at student health center
OWithin PPO 80% of eligible expenses; Outside PPO up to overall maximum limit
Outside U.S. 100% coinsurance No treatment at student health center (includes drug and alcohol abuse).
Maternity care for covered pregnancy Not Avaliable In PPO Network: 80% of eligible expenses;
Out Of PPO Network: Up to the overall maximum.
Outside US: 100% coinsurance up to overall maximum
In PPO Network: 80% of eligible expenses;
Out Of PPO Network: Up to the overall maximum.
Outside US: 100% coinsurance up to overall maximum
In PPO Network: 80% of eligible expenses;
Out Of PPO Network: Up to the overall maximum.
Outside US: 100% coinsurance up to overall maximum
Repatriation of Remains $25,000 lifetime maximum $25,000 lifetime maximum $25,000 lifetime maximum $25,000 lifetime maximum
Terrorism Up to $50,000 lifetime maximum Up to $50,000 lifetime maximum Up to $50,000 lifetime maximum Up to $50,000 lifetime maximum
Accidental Death and Dismemberment Up to $10,000 lifetime maximum Up to $25,000 lifetime maximum Up to $25,000 lifetime maximum Up to $25,000 lifetime maximum
Emergency Reunion Up to $1,500, maximum of 15 days Up to $1,500, maximum of 15 days Up to $1,500, maximum of 15 days Up to $1,500, maximum of 15 days

Pre-existing Conditions Waiting Period

No Coverage

$500 maximum per certificate period; 12 months waiting period

12 months waiting period

6 months waiting period

Maximum per injury or illness

$100,000

$100,000

$300,000

$500,000

Deductible (except emergency room)

$100 in network / $150 out of network

$50 in network / $150 out of network

$45 in network / $90 out of network

$25 in network / $50 out of network

Assistant Surgeon

Plan A:Up to $500

Plan B:Up to $750

Plan C:Up to $1,000

Plan D:Up to $1,650

ER Deductible

$500 per incident

$350 per incident

$250 per incident

$100 per incident

Coinsurance inside the U.S.

In network: 80% after deductible, up to overall maximum limit
Out of Network: Plan pays 100%

In network: 80% after deductible, up to $25,000, then overall maximum limit
Out of Network: Plan pays 100%

In network: 80% after deductible, up to $25,000, then overall maximum limit
Out of Network: Plan pays 100%

In network: 80% after deductible, up to $25,000, then overall maximum limit
Out of Network: Plan pays 100%

Coinsurance outside the U.S.

Plan pays 100%

Plan pays 100%

Plan pays 100%

Plan pays 100%

Local Ambulance

$300 per injury or illness

$350 per injury or illness

$350 per injury or illness

$350 per injury or illness

Prescription Drugs

For outpatient prescription 50% of actual charges

$10 deductible for generic drugs
$20 deductible for brand name

$10 deductible for generic drugs
$20 deductible for brand name

$10 deductible for generic drugs
$20 deductible for brand name

Wellness

Not Avaliable

100% of one routine physical exam per member

100% of one routine physical exam per member

100% of one routine physical exam per member

Physical Therapy & Chiropractic Care

Up to $25 per visit per day

Up to $50 per visit per day

Up to $50 per visit per day

Up to $75 per visit per day

Dental Treatment due to Accident

Not Available

Not Available

$1,000 maximum per certificate period

$1,000 maximum per certificate period

Dental Treatment due to Alleviate pain

Not Available

Not Available

$100

$100

Intercollegiate Interscholastic, Intramural or club sports

Not Available

$2,500 maximum per injury or illness. Medical Expenses Only

$5,000 maximum per injury or illness. Medical Expenses Only

$5,000 maximum per injury or illness. Medical Expenses Only

Emergency Reunion

Up to $1,500, maximum of 15 days

Up to $2,500, maximum of 15 days

Up to $2,500, maximum of 15 days

Up to $5,000, maximum of 15 days

Accidental Death and Dismemberment

Up to $10,000 lifetime maximum

Up to $25,000 lifetime maximum

Up to $25,000 lifetime maximum

Up to $25,000 lifetime maximum

Terrorism

Up to $50,000 lifetime maximum

Up to $50,000 lifetime maximum

Up to $50,000 lifetime maximum

Up to $50,000 lifetime maximum

Repatriation of Remains

$25,000 lifetime maximum

$25,000 lifetime maximum

$25,000 lifetime maximum

$25,000 lifetime maximum

Maternity care for covered pregnancy

Not Avaliable.

In PPO Network: 80% of eligible expenses; Out Of PPO Network: Up to the overall maximum. Outside US: 100% coinsurance up to overall maximum

In PPO Network: 80% of eligible expenses; Out Of PPO Network: Up to the overall maximum. Outside US: 100% coinsurance up to overall maximum.

In PPO Network: 80% of eligible expenses; Out Of PPO Network: Up to the overall maximum. Outside US: 100% coinsurance up to overall maximum

Return of Mortal Remains

Plan A:$25,000, for local cremation or burial $5,000

Plan B:$25,000, for local cremation or burial $5,000

Plan C:$25,000, for local cremation or burial $5,000

Plan D:$25,000, for local cremation or burial $5,000

Mental Health Disorders

Outpatient $50 max per day, $500 max;
Inpatient Up to $5,000 (excludes drug and alcohol abuse). No treatment at student health center

Outpatient $50 max per day, $500 max;
Inpatient Up to $5,000 (excludes drug and alcohol abuse). No treatment at student health center

Outpatient $50 max per day, $500 max;
Inpatient Up to $10,000 (includes drug and alcohol abuse). No treatment at student health center

Within PPO 80% of eligible expenses; Outside PPO up to overall maximum limit
Outside U.S. 100% coinsurance No treatment at student health center (includes drug and alcohol abuse).

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