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Broadmoor Agency
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Compare Student Health Advantage Insurance Plans
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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.
General
Student Health Advantage℠ Standard
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
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.
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.
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. Medically Necessary Repatriation up to $100,000.
$50,000
$5,000
$10,000
-
-
-
$50,000, maximum of 15 days
$500,000. Medically Necessary Repatriation up to $100,000.
$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
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
- 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).
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