With any international student health insurance plan, there will most likely be questions about different aspects of the plan that you may have. Our frequently asked questions section provides you with the most common questions we receive on a daily basis so that you can find as much information for yourself about the plans. If you however have further questions or would simply like clarification – please do not hesitate to contact us for assistance and we will be more than happy to help you.
When applying online, you will receive all your insurance documents, including your ID card and receipt of purchase, immediately by email. These documents can be printed out as proof of coverage.
If you would like physical documents to be mailed, make sure you choose the “Email and Regular Mail” option on the online application. Physical delivery time will depend on the postal service, with delivery to a US address taking about one week and international addresses may take about 2-3 weeks. Express delivery is also available for an additional $20 if your address is in the US or an additional $30 if your address is outside the US.
To be eligible for a full refund, the request for cancellation must be received prior to the effective date of your policy.
Cancellation requests received after the effective date will be subject to the following conditions:
Yes, the StudentSecure Budget, Select and Elite do cover pregnancies if conception occurs after the policy effective date. Benefits include, but are not limited to, pre-natal, delivery, and post-natal care as well as expenses for miscarriage and complications of pregnancy. Routine nursery care of newborns is also covered.
The StudentSecure plan does not provide any coverage for vision.Accidental dental is covered if you suffer an accident to your teeth and need to have dental surgery with coverage of $250 per tooth up to a maximum of $500 on the Smart, Budget, Select and Elite plans. Regular dental check-ups or visits are not covered — however if you do have unexpected dental pain the plan will pay $100 towards expenses for treatment for this pain on all four levels of the plan. If you require a more comprehensive dental insurance plan, please see our dental plans.
A Pre-existing Condition is any 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; a 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; or a 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.The StudentSecure plan will over coverage for eligible pre-existing conditions after a 6 month waiting period on the Select and Elite levels and after a 12 month waiting period on the Budget level. The Smart level does not offer coverage for pre-existing conditions, except charges resulting directly from an Acute Onset of a Pre-Existing Condition, an Emergency Medical Evacuation, or Repatriation of Remains, subject to the limits set forth in the Schedule of Benefits and Limits.
The StudentSecure plan comes in four plan options; Smart, Budget, Select and Elite. The main differences between the four plans falls into two main areas 1) Differences in benefit levels and 2) Out of Pocket expenses you will need to pay.
The main benefit differences are as listed in our benefits table, where the Elite typically has higher coverage levels for each benefit, and then the Smart, Budget and Select plans are more restricted or may not cover all benefits. For the out of pocket differences, please see the Frequently Asked Questions listed below as they deal with the deductible and coinsurance differences on each plan level.
The deductible is the amount you are required to pay to the doctor or hospital before the insurance company will pay toward your eligible expenses. On the StudentSecure plan, it is paid once for every new illness or injury — not per visit. If you became ill or injured and went to the doctor you would pay the deductible, but if you went for a follow-up visit on that same condition you would not need to pay the deductible again since you’ve already paid it for that condition.
|Treatment Received:||Inside the PPO Network in the USA, or Outside the USA, or At a Student Health Center||Outside the PPO Network in the USA|
After the deductible, coinsurance applies to your benefits, and this is the cost sharing between you and the insurance plan. This is typically referred to as a percentage that the plan will pay, for example if there is 80% coverage — the insurance plan will pay 80% and you will need to pay the remaining 20%.
The coinsurance on the StudentSecure plan when seeking treatment in the network inside the United States is as follows:
For policies purchased with a United States destination, you will be provided with a VantageAmerica Discount Pharmacy Card. This card will provide discounts on most FDA approved prescription drugs at over 54,000 participating pharmacies across the United States, and will save you an average 5%-15% off the cash price for brand drugs and an average 15%-40% of the price of generic drugs.
Once you have received your instant discount, the remaining prescription expenses can still be submitted for reimbursement as usual.Please note:
You are free to visit any doctor or hospital (known as providers) that you wish when seeking treatment. However, we do suggest you visit the providers mentioned below, as you will generally have less out of pocket expenses.
The StudentSecure plan uses a Preferred Provider Organization (PPO), and we strongly recommend utilizing this network of doctors when seeking treatment. Your plan uses the following network depending on the following conditions:
First Health Network
United Healthcare Network
Depending on when you purchased your plan, and where you are from, your StudentSecure plan will either use the First Health Network or the UnitedHealthcare Network when seeking treatment in the United States. The network logo will be included on your insurance ID card, but please also keep in mind the following:
If your plan was purchased prior to July 1st, 2019, or, if your Home Country or Citizenship is in the European Union, your plan uses the First Health Network as the Preferred Provider Organization.
If your Home Country or Citizenship is in the following countries, your plan will use the First Health Network.
If your plan was purchased as of July 1st, 2019, and, if you Home Country is not in the European Union as listed above, your plan uses the UnitedHealthcare Network as the Preferred Provider Organization.For more help finding a provider in your area that accepts your insurance plan, please contact us.
Claims are paid depending on where you are located and where you seek treatment:
This plan is underwritten by Lloyd's.