Student Medical Health Insurance
Frequently Asked Questions
Purchasing Study USA-HealthCare
1. Who is eligible to buy Study USA-HealthCare Insurance? Answer
Full-Time Students or Scholars (under age 66) who are studying outside their home country are eligible to buy Study USA-HealthCare:
- Must be a Full-time Student at a college or university, excluding online colleges and universities, or within 31 days of being a Full-time Student at a college or university; or must be a Full-time Scholar affiliated with an educational institution and performing work or research for at least 30 hours per week. The Full-time Student/Scholar status requirement is waived for Participants within the US holding a valid F-1 visa. Full-time status requirements remain in force for individuals holding M-1, J-1, or other category visas; and
- Must be residing outside his or her Home Country for the purpose of pursuing international educational activities; and
- Must not have obtained residency status in the Host Country.
- Must be the Participant’s legally married spouse, or must be the Participant’s unmarried child under age 19 years and chiefly dependent on the Participant for support and maintenance; and
- Must accompany the Participant abroad on a similar visa or passport while the Participant engages in international educational activities; and
- Must be temporarily located outside the Participant’s Home Country; and
- Must not have obtained residency status in the Host Country.
2. How will my proof of insurance be sent to me? Answer
If you buy or renew your coverage online, your receipt, Confirmation, Description of Coverage, and ID card will be instantly emailed to you.
3. I need coverage to begin as soon as possible. Is it possible for my Study USA-HealthCare policy to go into effect the day I enroll? Answer
No, however, your policy can go into effect the next day after you enroll online.
4. Are a student's dependents eligible for coverage? Answer
Yes. Spouse and/or unmarried children (under age 19) of enrolled students can be enrolled for insurance with the student's initial enrollment, or within 31 days of birth, legal adoption, marriage or arrival in country of study. Dependents must be temporarily be located outside their home country, and must not have obtained residency status in the host country. If your dependents are not eligible for Study USA-HealthCare, they can enroll in one of our other plans for people outside their home country.
5. Are Newborn or Adopted Children Included in Study USA-HealthCare? Answer
Newborn or Adopted Children will automatically be covered for the first 31 days. Afterwards, they must be enrolled in Study USA-HealthCare in order to be covered. Contact us for more information.
Note: If the birth was not covered by a Study USA-HealthCare policy, then Newborn children will not be automatically covered. However, they will become eligible after 14 days of life.
6. My school requires an Insurance Compliance Form or a Waiver Form be completed as proof of my insurance. Can you complete this form for me? What should I do? Answer
First, purchase Study USA HeathCare Insurance. After your purchase, simply fill in your portion of your school's Compliance or Waiver Form, sign it, and fax it to us at (610) 537-9851 or email it to email@example.com. We will complete it and fax it back to your school for you within one business day.
7. Can I buy Study USA-HealthCare if I am already studying outside my home country? Answer
Yes. You can enroll in Study USA-HealthCare regardless of how long you have been studying outside your home country, as long as you fulfill the eligibility requirements in Question 1 above.
Renewing Your Policy
8. Can I renew my coverage? Answer
Yes - Study USA-HealthCare can be renewed for up to 4 years, as long as you fulfill the eligibility requirements in Question 1 above.
9. How do I renew my coverage? Answer
Before your existing Study USA-HealthCare coverage has expired, renew your current coverage using our instant secure online renewal form. You will be sent an email reminder to do so, beginning 3 weeks prior to your coverage Expiration Date.
10. When I renew my coverage, can I add or remove coverage for eligible dependents? Answer
Yes, you can add coverage for eligible dependents (spouse and/or children) during your renewal. Call us at (800) 937-1387 for more information on how to add eligible dependents.
Spouse and/or children (under age 19) of enrolled students can enroll for insurance with the student, or within 31 days of birth, legal adoption, marriage or arrival in country of study. If your dependents are not eligible for Study USA-HealthCare, you can enroll them in one of our other plans for people traveling outside their home country.
11. Can 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? Answer
For International Students Studying in the U.S.:
- If you choose to be seen at your Student Health Center first, you will receive the in-network benefit.
- For other incidents, if you use a doctor or hospital in Study USA-HealthCare's large preferred provider network, you will pay a lower deductible and co-insurance than if you go outside the network. Click here to search for a network provider.
- You can also use any doctor or hospital. The Emergency Assistance Company can help you locate a doctor or hospital.
For U.S. Students Studying Outside the U.S.: Outside the U.S., Study USA-HealthCare does not have a Preferred Provider Network.
- You can choose to be seen at the Student Health Center or at another doctor or hospital and receive the in-network benefit.
- If you go to the Student Health Center first, your deductible for such incidents will be waived.
- You can also use any doctor or hospital. The Emergency Assistance Company can help you locate a doctor or hospital in the country where you are studying.
12. Does Study USA-HealthCare cover Pre-Existing Conditions? Answer
Pre-Existing Conditions are defined by the policy as "Any (1) 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 for 12 months; (2) 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; (3) 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." For Study USA-HealthCare Standard, the waiting period is 12 months. For Study USA-HealthCare Preferred, the waiting period is 6 months. See Study USA-HealthCare's complete list of policy exclusions in the plan details section.
13. Does Study USA-HealthCare cover pregnancy? Answer
Yes, it covers the pregnancy of an insured student or enrolled spouse if the conception of pregnancy occurs after the effective date of coverage. It does not cover the pregnancy of a dependent child.
14. Will my Study USA-HealthCare policy cover me if I travel outside the U.S.? Answer
Yes, Study USA-HealthCare covers the Insured worldwide, except in their home country. For each 3 months of coverage with Study USA-HealthCare, the insured is eligible for no more than 15 days of home country coverage.
15. Are there Pre-Certification Requirements for hospitalization or other services? Answer
The following expenses must always be pre-certified:
- Inpatient care
- Any Surgery or Surgical Procedure
- Care in an Extended Care Facility
- Home Nursing Care
- Durable Medical Equipment
- Artificial limbs
- Computerized Tomography (CAT Scan)
- Magnetic Resonance Imaging (MRI)
- Newborn care
To comply with the Pre-certification requirements, the Member must:
- Contact the Plan Administrator at the telephone number contained in the Member's Certificate as soon as possible before the expense is to be incurred, and;
- If Pre-certification is for Maternity, contact the Plan Administrator at the telephone number contained in the Member's Certificate as soon as possible but always:
- a: during the first 90 days of pregnancy, and,
- b: immediately upon any change in status during pregnancy, and
- c: upon admission to a hospital for delivery, and
- Comply with the instruction of the Plan Administrator and submit any information or documents they require; and
- Notify all Physicians, Hospitals, and other providers that this insurance contains Pre-certification requirements and ask them to fully cooperate with the Plan Administrator.
If the Member complies with the Pre-Certification requirements, and the expenses are Pre-certified, Underwriters will pay Eligible Medical Expenses subject to all terms, conditions, and provisions and exlusions herein. If the Member does not comply with the Pre-certification requirements or if the expenses are not Pre-certified:
- Eligible Medical Expenses will be reduced by 50%; and
- The Deductible will be subtracted from the remaining amount; and
- The Coinsurance will be applied.
Emergency Pre-certification: In the event of an Emergency Hospital admission, Pre-certification must be made within 48 hours after the admission, or as soon as reasonably possible.
Pre-certification Does Not Guarantee Benefits — The fact that expenses are Pre-certified does not guarantee either payment of benefits or the amount of benefits. Eligibility for and payment of benefits are subject to all the terms, conditions, provisions, and exclusions herein.
Concurrent Review — For Inpatient stays of any kind, the Plan Administrator will Pre-certify a limited number of days of confinement. Additional days of Inpatient confinement may later be Pre-certified if a Member receives prior approval.
For International Students In The U.S.
16. Is a network provider located in my area? Answer
Most likely. For a complete listing of Preferred Provider participants please contact HCC inside the U.S. at 1-(800) 605-2282, or from outside the U.S. at 1-(317) 262-2132. Or, click here to search for a network provider.
17. How will I receive care at In-Network level if there are no Network providers in my area? Answer
There should be a provider within a 50 mile radius of your location. If you are not sure, you may verify with HCC on how benefits will be treated. If a non-Preferred Provider is used, benefits will be paid at outside-network lever. To verify, contact HCC inside the U.S. at 1-(800) 605-2282, or from outside the U.S. at 1-(317) 262-2132.
18. After I received my confirmation, I realized there may have been some errors in my application. What should I do? Answer
Send any corrections to us in writing by email to: firstname.lastname@example.org, or by fax or mail and we will confirm the changes. When sending correspondence, please include your name, a daytime phone number and reference your Transaction Number.
Mail: Travel Insurance Services
3070 Riverside Drive
Columbus, OH 43221
If the correction results in an increase in premium, please submit your check or credit card payment by fax or mail. When sending credit card details, please include the credit card number, expiration date, security code, and a statement authorizing Travel Insurance Services to charge the additional amount.
Note: These Frequently Asked Questions are not intended to be complete policy language. For more complete details, refer to the Description of Coverage. Since each situation is unique, we cannot guarantee any benefits until the entire claim has been reviewed by the claims office.