Compare ExchangeGuard Insurance Plans

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ExchangeGuard is a very popular insurance plan for exchange visitors and international students studying, teaching, or researching in the U.S.

There are two ExchangeGuard plan options to choose from: Essential and Choice. The plans differ in terms of price and benefits offered.

These two plans are similar, but they have different waiting periods for coverage of pre-existing conditions.

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

General

ExchangeGuard® Choice
Comprehensive
Comprehensive
US - Within PPO/Outside US: After deductible, pays 100% to policy maximum; or After deductible, pays 80% to policy maximum. Otherwise: After deductible, plan pays Usual, Reasonable and Customary to policy maximum.
To policy maximum
ExchangeGuard® Essential
Comprehensive
Comprehensive
US - Within PPO/Outside US: After deductible, pays 100% to policy maximum; or After deductible, pays 80% to policy maximum. Otherwise: After deductible, plan pays Usual, Reasonable and Customary to policy maximum.
To policy maximum

Medical - Outpatient

To policy maximum
US-Urgent Care/Walk-in Clinic: Deductible waived, $15 copay; unless $0 deductible. Co-insurance still applies. Outside US: No copay.
To policy maximum In US: Extra $250 copay for illness visit that does not result in hospital admission.
To policy maximum, 60 day supply per prescription.
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
US-Urgent Care/Walk-in Clinic: Deductible waived, $15 copay; unless $0 deductible. Co-insurance still applies. Outside US: No copay.
To policy maximum In US: Extra $250 copay for illness visit that does not result in hospital admission.
To policy maximum, 60 day supply per prescription.
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

90 days
Standard basic hospital bed and/or standard wheelchair rental up to purchase prices
Recreational: Included
To policy maximum, if covered injury/illness results in hospital admission.
Only the complications of pregnancy, during first 26 weeks of pregnancy.
-
-
-
Physical Therapy and Chiropractic Care: $500 maximum.
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, $500 per certificate period.
-
-
-
-
Included
90 days
Standard basic hospital bed and/or standard wheelchair rental up to purchase prices
Recreational: Included
To policy maximum, if covered injury/illness results in hospital admission.
Only the complications of pregnancy, during first 26 weeks of pregnancy.
-
-
-
Physical Therapy and Chiropractic Care: $500 maximum.
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, $500 per certificate period.
-
-
-
-
Included

Travel

$10,000
$50 per item, $1,000 maximum
$50,000
$100,000, maximum of 15 days
$1,000,000
To policy maximum
$5,000
$100,000
$10,000
$50 per item, $1,000 maximum
$50,000
$100,000, maximum of 15 days
$1,000,000
To policy maximum
$5,000
$100,000

Life

Under 18: $5,000, Ages 18-64: $25,000; maximum $250,000 per family or group.
Under 18: $10,000, Ages 18-64: $50,000; maximum $250,000 per family or group.
Under 18: $5,000, Ages 18-64: $25,000; maximum $250,000 per family or group.
Under 18: $10,000, Ages 18-64: $50,000; maximum $250,000 per family or group.

Other

For every parent insured, one child under age 10 years is free. Maximum 2 children free.
Incidental: U.S. home country: 15 days per 3 month period. Non-U.S. home country: 30 days per 3 month period.
$100 per day
-
$250 per day, 5 day maximum
$25,000
$50,000 Eligible medical expenses only
Outside Home Country
For every parent insured, one child under age 10 years is free. Maximum 2 children free.
Incidental: U.S. home country: 15 days per 3 month period. Non-U.S. home country: 30 days per 3 month period.
$100 per day
-
$250 per day, 5 day maximum
$25,000
$50,000 Eligible medical expenses only
Outside Home Country

Plan Features

Before effective date, full refund. After effective date, pro-rated refund minus $25 cancellation fee as long as no claims have been filed since the effective date.
5 days up to 4 years
$0
Travel Delay of 12+ hours and unplanned overnight stay - $100/day, 2 days maximum. Emergency Eye Exam - $50 per incident copay, $150 maximum (plan deductible waived). Bedside Visit: $1,500 Pet Return: $1,000 Crisis Response: $10,000 Loss of Passport or Travel Documents: $100
Email
Postal Mail
Courier
Varies
$0 0-64
$100 0-64
$250 0-64
$500 0-64
Per Incident
$100,000 0-64
$250,000 0-64
$500,000 0-64
WorldTrips
Lloyd's
Before effective date, full refund. After effective date, pro-rated refund minus $25 cancellation fee as long as no claims have been filed since the effective date.
5 days up to 4 years
$0
Travel Delay of 12+ hours and unplanned overnight stay - $100/day, 2 days maximum. Emergency Eye Exam - $50 per incident copay, $150 maximum (plan deductible waived). Bedside Visit: $1,500 Pet Return: $1,000 Crisis Response: $10,000 Loss of Passport or Travel Documents: $100
Email
Postal Mail
Courier
Varies
$0 0-64
$100 0-64
$250 0-64
$500 0-64
Per Incident
$100,000 0-64
$250,000 0-64
$500,000 0-64
WorldTrips
Lloyd's
  • 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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