As a parent, should I purchase a Student insurance plan for my child, or cover them through my standard medical plan?

The answer depends on your specific circumstances. The following are some factors that might influence you to buy separate student insurance: Your child is nearing the age at which he or she can no longer be covered under your plan. This is usually around the age of 24 years however do check with your insurance company to find out the specific age limits for your current policy. The cost savings of removing your child from your insurance plan is greater than the cost of the separate Student insurance plan. To determine if this is the case, get a quote on […]

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How does the Student Select medical Insurance satisfy the needs of college students?

The Student select medical insurance plan works for students in all of the following circumstances No longer covered as a dependant under your parent’s plan Attending school outside an HMO or PPO region Required to have coverage but choose not to participate in a college-sponsored plan Finding a traditional individual medical or other current coverage to be too expensive

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Does Study USA-HealthCare cover pre-existing conditions?

Sometimes. Pre-existing conditions are defined by the policy as “an injury, illness or condition which was contracted or which first manifested itself, or for which a licensed physician was consulted; or for which treatment or medication was prescribed, within 12 months prior to the effective date of the Covered Person’s coverage under this Program. Pre-existing conditions shall be excluded from coverage for a period of 12 months following the effective date of coverage under this program unless stipulated by State or Federal regulation. A Covered Person must be continuously insured. The maximum amount payable for a Pre-existing condition is $10,000.” […]

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May I go to any doctor or hospital, or must I use my school’s Student Health Center or a preferred provider from Study USA-HealthCare’s network?

For Foreign Students Studying in the U.S.: You may choose any of these. If you choose choose to be seen at your Student Health Center when it is equipped to treat your condition, you will receive the in-network benefit and also your deductible for such incidents will be waived. For other incidents, if you use a doctor or hospital in Study USA-HealthCare’s large preferred provider network, MultiPlan, Inc., you will pay a lower deductible and reach your plan limits more slowly than if you go outside the network. For US Registered Students Studying Abroad: Outside the U.S., Study USA-HealthCare does […]

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