The StudentSecure, our international student health insurance plan, is designed for international and study abroad students and is available in four plan levels: Smart, Budget, Select and Elite. Each plan level offers different coverage limits, with the Smart being the most affordable and the Elite the most comprehensive of the four plans. Please view the benefits below and contact us if you need further help with choosing the best plan option for you.
Benefits | Smart | Budget | Select | Elite |
---|---|---|---|---|
Overall Maximum Limit | $200,000$200k | $500,000$500k | $600,000$600k | $5,000,000$5M |
MaximumMax.
per injury/ illness |
$100,000$100k | $250,000$250k | $300,000$300k | $500,000$500k |
Deductible
per injury/ illness Inside PPO Network, Outside USA or at Student Health Center (Except Emergency Room) |
$50 | $45 | $35 | $25 |
Deductible
per injury/ illness All other locations (Except Emergency Room) |
$100 | $90 | $70 | $50 |
ER Deductible per visit claims incurred in the USA | $350 | $350 | $200 | $100 |
Provider Network | Doctor/Hospital Search | |||
Coinsurance — In Network, Inside the USA | 80% of eligible expenses after the deductible up to the overall maximum | 80% of the next $25,000 of eligible expenses after the deductible, then 100% to the overall maximum | 80% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum | 100% of eligible expenses after the deductible to the overall maximum |
Coinsurance — Out of Network, Inside the USA | Usual, Reasonable, and Customary (URC) | |||
Coinsurance — Outside the USA | 100% of Eligible Expenses, up to the Overall Maximum Limit, after the Deductible | |||
Eligible expenses are subject to deductible, coinsurance, overall maximum limit, and are per certificate period unless specifically indicated otherwise. | ||||
Hospital Room & Board | Average Semi-Private Room Rate, including nursing services | |||
Intensive Care Unit | Up to Overall Maximum Limit | |||
Local Ambulance per injury/ illness if hospitalized as Inpatient Not subject to coinsurance | Up to $300 | Up to $500 | Up to $750 | Up to $750 |
Outpatient Treatment | Up to Overall Maximum Limit | |||
Outpatient Prescription Medication Not subject to deductible or coinsurance | 50% of Actual Charge | 50% of Actual Charge | 50% of Actual Charge |
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For those members with a US destination, you will be automatically enrolled into the VantageAmerica Drug Discount program — further details below | ||||
Vaccination Not subject to deductible or coinsurance | No Coverage | No Coverage | No Coverage | $150 maximum see plan wording for list of covered vaccinations |
Sports & Activities Leisure, Recreational, Entertainment, or Fitness | Up to the Overall Maximum Limit | |||
Mental Health — Outpatient Treatment must not be obtained at the Student Health Center | Up to $50 per day $500 maximum |
Maximum of 30 visits.
Coverage includes drug and alcohol abuse. |
Maximum of 30 visits.
Coverage includes drug and alcohol abuse. |
Maximum of 30 visits.
Coverage includes drug and alcohol abuse. |
Mental Health — Inpatient Treatment must not be obtained at the Student Health Center | Up to $5,000 |
Maximum of 30 days.
Coverage includes drug and alcohol abuse. |
Maximum of 30 days.
Coverage includes drug and alcohol abuse. |
Maximum of 30 days.
Coverage includes drug and alcohol abuse. |
Maternity Maternity care for a covered pregnancy | No Coverage | Up to $5,000 | Up to $10,000 | Up to $25,000 |
Newborn Care Routine nursery care of newborn Not subject to coinsurance | No Coverage | $250 MaximumMax. | $750 MaximumMax. | $750 MaximumMax. |
Therapeutic Termination of Pregnancy Not subject to coinsurance |
$500 MaximumMax. |
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Outpatient Physical Therapy & Chiropractic Care Not subject to coinsurance | $25 per day | $50 per day | $50 per day | $75 per day |
Must be ordered in advance by a physician and not obtained at a student health center | ||||
Dental treatment due to accident Not subject to coinsurance | $250 per tooth / $500 MaximumMax. | |||
Dental treatment to alleviate pain Not subject to coinsurance | $100 MaximumMax. | |||
Pre-existing Condition | No Coverage | 12-monthmo. waiting period | 6-monthmo. waiting period | 6-monthmo. waiting period |
Acute Onset of Pre-existing Condition (See benefit description) | Up to $25,000 lifetime maximum for eligible medical expenses | |||
Terrorism Medical expenses only | No CoverageN/A | $50,000$50k MaximumMax. | $50,000$50k MaximumMax. | $50,000$50k MaximumMax. |
All other Eligible Medical Expenses | Up to the Overall Maximum | |||
Emergency Medical Evacuation Not subject to deductible coinsurance, or overall maximum limit | $50,000$50k lifetime maximum | $250,000$250k lifetime maximum | $300,000$300k lifetime maximum | $500,000$500k lifetime maximum |
Repatriation of Remains Not subject to deductible coinsurance, or overall maximum limit | $25,000$25k lifetime maximum | $25,000$25k lifetime maximum | $50,000$50k lifetime maximum | $50,000$50k lifetime maximum |
Emergency Reunion Not subject to deductible coinsurance, or overall maximum limit | Up to $1,000, subject to a maximum of 15 days | Up to $1,000, subject to a maximum of 15 days | Up to $5,000, subject to a maximum of 15 days | Up to $5,000, subject to a maximum of 15 days |
Accidental Death & Dismemberment AD&D Not subject to deductible coinsurance, or overall maximum limit | No CoverageN/A | No CoverageN/A |
Lifetime Maximum — $25,000 Death or Loss of 2 Limbs — $25,000 Loss of 1 Limb — $12,500 |
Lifetime Maximum — $25,000 Death or Loss of 2 Limbs — $25,000 Loss of 1 Limb — $12,500 |
Personal Liability Not subject to deductible coinsurance, or overall maximum limit | No CoverageN/A | No CoverageN/A | No CoverageN/A | Up to $250,000 lifetime maximum |
Add-Ons: | ||||
Optional Sports Add-On Intercollegiate, Intramural, Interscholastic, Club sports Medical expenses only | No CoverageN/A | $3,000 per injury/illness | $5,000 per injury/illness | $5,000 per injury/illness |
Premiums will be refunded in full if cancellation request is received prior to the certificate effective date.
Premiums may be refunded after the certificate effective date subject to the following provisions:While the certificate is in effect, the benefit period does not apply. Upon termination of the certificate, we will pay eligible medical expenses for up to 60 days beginning on the first day of diagnosis or treatment of a covered injury or illness while you are outside your home country and while this certificate is in effect. The benefit period applies only to eligible medical expenses related to a condition for which you are hospitalized as an inpatient on the termination date of the certificate.
In the event you begin a benefit period while the certificate is in effect, and the certificate terminates because you return to your home country, we will pay eligible medical expenses which are incurred in your home country during the benefit period. Home country coverage applies only to eligible medical expenses for which you are hospitalized as an inpatient on the termination date of the certificate.You must have purchased three months of coverage for the Incidental Home Country Coverage to be in effect.
For every three-month period during which you are covered, eligible medical expenses are covered up to a maximum of 15 days for any three-month period.
Any benefit accrued under a single three-month period does not accumulate to another period. Failure to continue your international trip or your return to your home country for the sole purpose of obtaining treatment for an illness or injury that began while traveling shall void any incidental home country coverage.
For all non-U.S. citizens electing coverage “Excluding the U.S.” and for all U.S. citizens or residents, no coverage is provided within the U.S., except for U.S. citizens or residents during an eligible incidental home country visit or an eligible benefit period.Your nationally recognized VantageAmerica Solutions Discount Pharmacy Card provides discounts on most FDA approved prescription drugs. There are no limited drug lists, no waiting periods and your card is active the moment you present it to the pharmacy saving an average from 5%-15% off the cash price for brand drugs and an average 15%-40% off the price of generic drugs. In the event a pharmacy's price is lower than our discounted price, you will always receive the lowest price available.
Your VantageAmerica Solutions Discount Pharmacy Card is widely accepted at over 54,000 participating pharmacies across the United States, including most national and regional chains, pharmacy associations, and many local community pharmacies.
Once you have received your instant discount, the remaining prescription expenses can still be submitted for reimbursement as usual.
Please note:This plan is underwritten by Lloyd's.