Student Health Plan™ Coverage
What's Covered By Student Health Plan™
Here is a summary of the medical benefits offered through Student Health Plan™, written on a group policy with College Parents of America. For more information on the details of this policy, please review the plan brochure.
All state mandated benefits apply to this policy, based on the state in which the college or university of attendance is placed.
Insurance Benefits
| Accident & Sickness Benefit | Premium | BasicPLUS | |
| 1 | Accident & Sickness Medical Expense (Per Condition Applies to All Benefits Unless Specified) |
$750,000 | $500,000 |
| 2 | Lifetime Maximum | None | None |
| 3 | Co-insurance (Based on URC Unless Specified) | 80% | 70% |
| 4 | Preventive Care | ||
| • Co-insurance | 80% | None | |
| • Deductible in Addition to Plan Deductible | $100 | None | |
| 5 | Mental Health Expense (No Separate Deductible) | ||
| • Co-insurance | 80% | 70% | |
| • Benefit Maximum | $100,000 | $50,000 | |
| 6 | Prescription Drug Expense | ||
| • Co-insurance | 80% | 50% | |
| • Policy Year Deductible (Applies Toward Plan Deductible) | $250 | $250 | |
| • Benefit Maximum | $10,000 | $1,000 | |
| 7 | Emergency Room (the Deductible Will be Waived if Admitted) | ||
| • Co-insurance | 80% | 70% | |
| • Deductible (In Addition to the Overall Plan Deductible) | $250 | $250 | |
| 8 | Lab & X-ray (Includes MRI/Radiation & Chemotherapy) | 80% to $5,000 | 70% to 1000 |
| 9 | Physiotherapy (Up to a Maximum of 30 Visits) | 80% | 70% |
| 10 | Inpatient & Outpatient Surgical Expense | 80% | 70% |
| 11 | Inpatient & Outpatient Misc. Hospital Expense | 80% | 70% |
| 12 | Anesthesia Expense | 20% of Surgical | 20% of Surgical |
| 13 | Assistant Surgeon Expense | 20% of Surgical | 20% of Surgical |
| 14 | Physician Office Visits (Inpatient & Outpatient) | 80% | 75%; $75 Per Day Max. |
| 15 | Pre-existing Conditions | ||
| • Look-back Period | 6 Months | 6 Months | |
| • Waiting Period | 12 Months | 12 Months | |
| 16 | Hernia | Covered | Covered |
| 17 | Suicide | Covered | Covered |
| 18 | Loss Due to Intoxication | Covered | Covered |
| 19 | Injections | Covered | Covered |
| 20 | Durable Medical Equipment | No Benefit | No Benefit |
| 21 | Dental (Coverage to Sound & Natural Teeth Only) | 80% | 70% |
Non-Medical Student Health Insurance Benefits
Travel Assistance Services
The Travel Assist Plan is designed to provide students who travel 100 miles or more from their home (or in a foreign country that is not the country of permanent residence), with worldwide, 24-hour, emergency assistance services during the term of coverage under the student accident and sickness plan. The assistance services are provided by On Call International (OCI).
Emergency Medical Transportation Services are provided up to a combined maximum limit of $50,000 for covered services. Key services include: Emergency Evacuation, Medically Necessary Repatriation, Repatriation of Remains, and Family of Friend Transportation Arrangements. All transportation related services; coverage and payments must be arranged and pre-approved by OCI.
Additional benefits included with membership in College Parents of America:
Tuition Insurance
- $5,000 annual benefit / $2,500 semester benefit
- 100% of covered fees due to Medical "disability" withdrawal
- 100% of covered fees due to the Death of a "tuition payer"
- 100% of covered fees due to the Death of a student
- 75% of covered fees due to Medical "disability" withdrawal due to emotional, nervous or mental disorders
The coverage provided as part of membership in College Parents of America is triggered when a covered member suffers a loss as a result of medical withdrawal, including loss of life as a result thereof, that causes the member to withdraw from the accredited educational institution they are attending. The loss is calculated as the non-refunded eligible tuition, academic fees and room and board that are not refunded to the enrolled member.
Identity Theft Protection & Resolution Services
College Parents of America Identity Theft Protection & Resolution Services provides Identity Fraud Support, Card and Document Registration and Lost/Stolen Credit Card Assistance. College Parents of America designed this service to address a large concern of parents – the safety and protection of their students' financial identity.