| 아래 정보는 Vassar College F-1 비자 기준이며, 연간 학교 보험료는 $1,535 입니다. 이 조건에 만족한 플렌으로 가입시 연간 $440 정도의 보험료를 절약하실 수 있습니다. 유학생, 모든 J비자, 포닥 및 동반 가족분들의 많은 이용 부탁드립니다. E-mail 및 연락처로 문의 주시면 자세하게 안내해 드리겠습니다. 감사합니다. |
 | Vassar College 보험회사 : UnitedHealthcare |
| Insurance Provider | 학교보험 | UHC Plus | UHC Preferred |
| Maximum Benefit | Unlimited | Unlimited | Unlimited |
| In / Out of Network | 100% / 80% | 80% / 70% | 90% / 70% |
| Deductible | $50 | $100 per year | $50 per year |
| Mental Health Care | 100% / 80% | 80% / 70% | 90% / 70% |
| Preventive Care | 100% | 100% | 100% |
| Pre-Existing Condition | Covered | Covered | Covered |
| Annual Insurance Rate | $1,535 | $1,088 | $1,240 |
| Annual 08/17-08/16 | |||
| 학교보험료 | $1,535 |
International students are enrolled on a mandatory basis and cannot waive coverage.
What is considered ‘comparable coverage’?
Determining comparable coverage requires comparison of cost-sharing levels (deductibles and coinsurance) and access to In-Network Providers. The level of benefits should meet or exceed the benefits provided through the Student Health Insurance Plan. Coverage is considered comparable if it provides students with access to a range of services in and around the area where they attend school. Services include, but are not limited to, preventive and primary care, emergency care, surgical care, inpatient and outpatient hospitalization benefits, lab work, diagnostic x-rays, physical therapy and chiropractic care, prescriptions, and mental health and substance abuse treatment. Also, consider the amount of your current plan’s deductible and In- and Out-of-Network coinsurance to avoid high out-of-pocket costs. Students should be able to seek these services from providers who are considered In-Network or Preferred. If your current plan is an HMO, it is very likely that coverage is limited, or not available, outside of the HMO’s service area.
Plans that only provide emergency services in the campus area are not considered comparable.
Is there anything I need to know before waiving coverage?
Before waiving coverage you should review your current policy, considering the following:
§ Will your current plan cover medical care beyond emergency services (i.e. doctor’s office visits, diagnostic testing, x-rays, prescription drugs, mental health, etc.) on- and off-campus?
§ Does your plan have doctors and hospitals near campus?
§ Check the cost -- is the annual cost of this Student Health Insurance Plan less expensive than the cost of being added as a dependent to your parents’ plan? Be sure to compare deductibles and total out-of-pocket costs, not just the annual premium.
§ Are there administrative pre-requirements, pre-certification, or Primary Care Physician referrals required under your current plan that may delay receipt of care?