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Hi everyone,
I'm having a real problem in trying to get cover for my time in South Carolina later this month.
They have their own insurance, coupled with AIG but it's over $900 and I've been told that I can get it far cheaper elsewhere, but it MUST meet their restrictions otherwise I'll be forced to pay twice.
I'll be staying from 14th August 2015 until 20th December 2015.
Their conditions are:
Coverage must allow the insured student to receive services in South Carolina (note – these are requirements for all plans according to the Patient Protection Affordable Care Act):
Ambulatory patient services
Emergency services
Hospitalization
Maternity and newborn care
Mental health and substance use disorder services (including behavioral health treatment)
Prescription drugs
Rehabilitative and habilitative services and devices
Laboratory services
Preventive and wellness services (to include Dental and Vision)
Chronic disease management
Pediatric services including oral and vision care
Coverage amount of $100,000 per policy year per illness/accident/injury
Coverage amount of US $500,000 or greater aggregate per lifetime
No pre-existing condition limitation
A combined benefit of US $100,000 for medical evacuation and repatriation of remains (for international students)
Yearly deductible not to exceed $5,000/individual and $10,000/family per policy year.
Additional Requirements for International Students
The University-sponsored Student Health Insurance Plan through AIG meets all additional insurance requirements for international students and dependents. In addition to the coverage requirements listed for graduate students, international students must have insurance that meets the following requirements:
For J-1 exchange visitors and their J-2 dependents, the U.S. Department of State regulations require that the health insurance plan must also meet one or more of the following criteria:
Part of a group benefits program offered to enrolled students by a designated sponsor, or
A health maintenance organization (HMO) that is federally-qualified as determined by the Health Care Financing Administration (HFCA) of the U.S. Department of Health and Human Services, or
A Competitive Medical Plan (CMP) as determined by the Health Care Financing Administration (HFCA) of the U.S. Department of Health and Human Services, or
Underwritten by an insurance company that has an AM Best Company rating of "A-" or above, an Insurance Solvency International, LTD. (ISI) rating of "A-" or above, a Standard and Poor's Claims Paying Ability rating of "A-" or above, or a Weiss Research, Inc. rating of "B+" or above.
I have tried contacting the university directly, but they're not able to provide any assistance other than to say that they would need a separate insurance provider to print a letterheaded letter stating that the requirements are covered.
Would anyone be able to give me links to policies which would cover me?
I would massively appreciate it.
Thanks for your help>
J
I'm having a real problem in trying to get cover for my time in South Carolina later this month.
They have their own insurance, coupled with AIG but it's over $900 and I've been told that I can get it far cheaper elsewhere, but it MUST meet their restrictions otherwise I'll be forced to pay twice.
I'll be staying from 14th August 2015 until 20th December 2015.
Their conditions are:
Coverage must allow the insured student to receive services in South Carolina (note – these are requirements for all plans according to the Patient Protection Affordable Care Act):
Ambulatory patient services
Emergency services
Hospitalization
Maternity and newborn care
Mental health and substance use disorder services (including behavioral health treatment)
Prescription drugs
Rehabilitative and habilitative services and devices
Laboratory services
Preventive and wellness services (to include Dental and Vision)
Chronic disease management
Pediatric services including oral and vision care
Coverage amount of $100,000 per policy year per illness/accident/injury
Coverage amount of US $500,000 or greater aggregate per lifetime
No pre-existing condition limitation
A combined benefit of US $100,000 for medical evacuation and repatriation of remains (for international students)
Yearly deductible not to exceed $5,000/individual and $10,000/family per policy year.
Additional Requirements for International Students
The University-sponsored Student Health Insurance Plan through AIG meets all additional insurance requirements for international students and dependents. In addition to the coverage requirements listed for graduate students, international students must have insurance that meets the following requirements:
For J-1 exchange visitors and their J-2 dependents, the U.S. Department of State regulations require that the health insurance plan must also meet one or more of the following criteria:
Part of a group benefits program offered to enrolled students by a designated sponsor, or
A health maintenance organization (HMO) that is federally-qualified as determined by the Health Care Financing Administration (HFCA) of the U.S. Department of Health and Human Services, or
A Competitive Medical Plan (CMP) as determined by the Health Care Financing Administration (HFCA) of the U.S. Department of Health and Human Services, or
Underwritten by an insurance company that has an AM Best Company rating of "A-" or above, an Insurance Solvency International, LTD. (ISI) rating of "A-" or above, a Standard and Poor's Claims Paying Ability rating of "A-" or above, or a Weiss Research, Inc. rating of "B+" or above.
I have tried contacting the university directly, but they're not able to provide any assistance other than to say that they would need a separate insurance provider to print a letterheaded letter stating that the requirements are covered.
Would anyone be able to give me links to policies which would cover me?
I would massively appreciate it.
Thanks for your help>
J
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