How do I choose the right plan?

The process starts with you providing your visa type, name of your University/College and date of birth. Why? 

• Visa type determines if government minimum requirements are needed. Our plans are made to meet the requirements of the U.S. Department of State for J visa holders.
• Our sales model is to provide you with plans which meet the waiver requirements of your educational institution. This model allows you to waive out of the expensive school policy for a more economical policy.    
• Age is needed to determine which policy is available and rate

---

How to pick a plan if more than one is available to you?

In most situations, more than one plan will be available to you. In order to make the correct choice, consider the following:

• Price. The less expensive plans are always going to have lesser benefits. Health care is extremely expensive in the USA. A policy with limited benefits will be much more expensive to you in the end if you become ill or injured. Always check deductible, co-payments, co-insurance, limitations, and exclusions. 
• Pay now, or pay later? Consider if the plan has you paying little up front, but later paying a lot of out-of-pocket costs each time you need medical care. 
• Benefits. Take a few minutes to look beyond the price. Compare the benefits available in the plans, including the limitations and exclusions. Imagine a common medical problem that could happen to anyone at any time - such as acute appendicitis and needing surgery. This illness costs thousands of dollars in the USA. Which plan will better protect you? 
• Limitations and Exclusions. Take a few minutes to know what is limited or excluded. This is just as important as knowing what is covered.
• Additional Services. Does the package include robust telemedicine services? Which program provides the most comprehensive coverage?

If you are unsure how to interpret any of these items, contact us by call/chat/email.   

---

Understand the insurance terms. This is critical to understanding what you are buying:

• Deductible: The amount of covered Allowable Charges payable by the Insured Person during each Period of Insurance before the Plan benefits are applied. Such amount will not be reimbursed under the Plan. The Deductible is not considered part of the Out-Of-Pocket Maximum. 
  
• Copayment: A fixed dollar amount that may be applied per office visit (or other designated service per Policy) each time medical services are received. Ancillary services such as Laboratory and Radiology service (i.e. blood tests, x-rays) that may be in conjunction with an office visit do not require a separate Copayment. Copayments do not apply to the Deductible, Coinsurance or to the Out-Of-Pocket Maximum.''
  
• Coinsurance: The percentage amount of the Allowable Charges that the Insured Person and the Insurer will share after the Deductible and Copayment is met.
  
• Out-of-Pocket Maximum:  The maximum dollar amount an Insured Person is responsible to pay during a Period of Insurance. After an Insured Person has reached the Out-of-Pocket Maximum, the Plan covers benefits at 100% for the remainder of the Period of Insurance. Some benefits, however, will always remain payable at the percentage shown in the Schedule of Benefits. The Out-of-Pocket Maximum is met by Coinsurance. Penalties and amounts above the Usual, Customary, and Reasonable Charge do not count toward the Out-of-Pocket Maximum.