Compare Student Health Advantage Insurance Plans

Comparing 2 Plans

Student Health Advantage℠ Standard

Purchase

Student Health Advantage℠ Platinum

Purchase

Student Health Advantage is suitable for international students studying outside their home country.

There are two Student Health Advantage plan options to choose from: Standard and Platinum. The plans differ in terms of price and benefits offered.

The two plans are similar, but they have different policy maximums and maternity coverage.

Review this detailed comparison to easily see the differences between the two plans.

Comparing 2 Plans

Student Health Advantage℠ Standard

Purchase

Student Health Advantage℠ Platinum

Purchase

General

Student Health Advantage℠ Standard
Comprehensive
Within PPO network: After deductible, plan pays 90% up to $10,000, then 100% up to the policy maximum. Outside PPO network: After deductible, plan pays 80% up to the policy maximum. Outside US: After deductible, covers at 100% up to the policy maximum.
$5 copay, deductible waived
Student Health Advantage℠ Platinum
Comprehensive
Within PPO network: After deductible, plan pays 90% up to $10,000, then 100% up to the policy maximum. Outside PPO network: After deductible, plan pays 80% up to the policy maximum. Outside US: After deductible, covers at 100% up to the policy maximum.
$5 copay, deductible waived

Medical - Outpatient

To policy maximum 1 visit per day.
To policy maximum 1 visit per day.
To policy maximum Extra $250 copay for illness visit that does not result in hospital admission.
50% of actual charges. Period of coverage limit: $250,000 per person. ($100,000 for dependents).
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum
To policy maximum 1 visit per day.
To policy maximum 1 visit per day.
To policy maximum Extra $250 copay for illness visit that does not result in hospital admission.
50% of actual charges. Period of coverage limit: $250,000 per person. ($100,000 for dependents).
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum

Medical - Inpatient

To policy maximum, average semi-private room including nursing services.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum
To policy maximum, average semi-private room including nursing services.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum

Medical - Other Treatment And Services

-
Standard basic hospital bed and/or standard basic wheelchair
School/Club Sports: $5,000 per injury/illness. Optional: Adventure Sports.
$350 per injury/illness, for injury or if covered illness results in hospital admission.
-
$10,000. Cannot be provided at a Student Health Center.
$50 per day, $500 maximum. Cannot be provided at a Student Health Center.
Included in the Mental & Nervous Disorder benefit
Chiropractic Care: To policy maximum
Physical Therapy: To policy maximum, 1 visit per day

Must be ordered in advance by physician
United Healthcare PPO
Network of physicians, hospitals, urgent cares, labs and other healthcare providers.
No network for pharmacies, dentists, ambulance.
Yes
After 12 month waiting period, same as any other eligible medical expense.
-
-
-
50% reduction in benefits
Included
-
Standard basic hospital bed and/or standard basic wheelchair
School/Club Sports: $5,000 per injury/illness. Optional: Adventure Sports.
$750 per injury/illness, for injury or if covered illness results in hospital admission.
80% (60% outside PPO), $5,000 maximum combined with Newborn Care. Pregnancy must begin after effective date; cannot be Invitro.
$10,000. Cannot be provided at a Student Health Center.
$50 per day, $500 maximum. Cannot be provided at a Student Health Center.
Included in the Mental & Nervous Disorder benefit
Chiropractic Care: To policy maximum
Physical Therapy: To policy maximum, 1 visit per day

Must be ordered in advance by physician
United Healthcare PPO
Network of physicians, hospitals, urgent cares, labs and other healthcare providers.
No network for pharmacies, dentists, ambulance.
Yes
After 6 month waiting period, same as any other eligible medical expense.
Routine care for first 31 days, $5,000 maximum combined with Maternity.
-
-
50% reduction in benefits
Included

Dental

$350 for pain, $500 for non-emergency injury
To policy maximum
$350 for pain, $500 for non-emergency injury
To policy maximum

Travel

-
-
-
$50,000, maximum of 15 days
$500,000
$50,000
$5,000
$10,000
-
-
-
$50,000, maximum of 15 days
$500,000
$50,000
$5,000
$10,000

Life

Insured: $25,000, Spouse: $10,000, Child: $5,000
Insured: $25,000, Spouse: $10,000, Child: $5,000
Insured: $25,000, Spouse: $10,000, Child: $5,000
Insured: $25,000, Spouse: $10,000, Child: $5,000

Other

-
Incidental: 14 days after 30 days of continuous coverage, non-US residents only.
-
-
-
$10,000
$50,000
Outside Country of Residence
-
Incidental: 14 days after 30 days of continuous coverage, non-US residents only.
-
-
-
$10,000
$50,000
Outside Country of Residence

Plan Features

Before effective date, full refund. After effective date, pro-rated refund for whole months minus $50 cancellation fee, as long as no claims have been filed since the effective date; form required.
1 month up to 5 years
$0
-
Email
Per Incident
$250 Up to 64
Per Incident
$300,000 Up to 64
International Medical Group (IMG)
SiriusPoint Specialty Insurance Corporation
A- "Excellent"
Before effective date, full refund. After effective date, pro-rated refund for whole months minus $50 cancellation fee, as long as no claims have been filed since the effective date; form required.
1 month up to 5 years
$0
-
Email
Per Incident
$100 Up to 64
Per Incident
$500,000 Up to 64
International Medical Group (IMG)
SiriusPoint Specialty Insurance Corporation
A- "Excellent"
  • Home country - If you are a U.S. citizen, your home country is the United States, regardless of the location of your principal residence. If you are not a U.S. citizen, your home country is where you principally reside and receive regular mail.
  • For medical benefits, to policy maximum, refer to the Usual, Reasonable and Customary Charges. Deductible and coinsurance apply, unless otherwise noted.
  • Whenever there is a difference in benefits levels within PPO network and outside PPO network, the benefits shown above are applicable when availing treatment within PPO network.
  • Coverages shown are per person unless noted otherwise.
  • The dash (-) in the fields above means Not Applicable (N/A).
DISCLAIMER: This is a high level description of the insurance plan meant to provide a quick overview. It may not describe all possible scenarios or coverages in all different cases. Please refer to the brochure and the certificate wording for complete details. Even though we have tried our best to accurately describe the plan, if there is any discrepancy between this description and the certificate wording, the certificate wording will prevail.

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why buy insurance from Insubuy?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

Learn More

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