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Compare StudentSecure Insurance Plans
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StudentSecure is an excellent international student insurance for foreign students studying in the USA.
There are four variations of StudentSecure to choose from, Elite, Select, Budget and Smart; each plan differs in price as well as benefits.
All 4 of the StudentSecure international student medical insurance plans are widely accepted by many universities and all plans meet the requirements for J1 Visa holders. When deciding which plan is best for you, start with the specific requirements set by your university; you should choose the plan that meets their requirements and meets your needs.
While these plans have many similarities, they also have many differences. Review this detailed comparison to easily see the differences between the plan variations.
General
StudentSecure® Elite
Within PPO network: After copayments, plan pays 80% up to $10,000, then 100% up to the policy maximum.
Outside PPO network: Pays Usual, Reasonable and Customary to policy maximum.
Outside US: After copayments, plan pays 100% to policy maximum.
$10 copay per visit
StudentSecure® Select
Within PPO network: After copayments, plan pays 80% up to $25,000, then 100% up to the policy maximum.
Outside PPO network: Pays Usual, Reasonable and Customary to policy maximum.
Outside US: After copayments, plan pays 100% to policy maximum.
$10 copay per visit
StudentSecure® Smart
Within PPO network: After copayments, plan pays 80% up to $100,000, then 100% up to the policy maximum.
Outside PPO network: Pays Usual, Reasonable and Customary to policy maximum.
Outside US: After copayments, plan pays 100% to policy maximum.
$25 copay per visit
StudentSecure® Budget
Within PPO network: After copayments, plan pays 80% up to $45,000, then 100% up to the policy maximum.
Outside PPO network: Pays Usual, Reasonable and Customary to policy maximum.
Outside US: After copayments, plan pays 100% to policy maximum.
$25 copay per visit
Medical - Outpatient
Within the PPO network or outside the U.S.: $20 copay per visit.
Otherwise, $40 copay per visit.
Urgent Care: $30 copay per visit within the PPO network or outside the U.S.
Otherwise, $60 copay per visit.
To policy maximum
In US: $100 copay
Generic: 100% coinsurance
Brand Name: 50% coinsurance
Oral Contraceptives: 50% coinsurance
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum
Within the PPO network or outside the U.S.: $50 copay per visit.
Otherwise, $100 copay per visit.
Urgent Care: $50 copay per visit within the PPO network or outside the U.S.
Otherwise, $100 copay per visit.
To policy maximum
In US: $200 copay
50% of actual charges
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum
Within the PPO network or outside the U.S.: $75 copay per visit.
Otherwise, $150 copay per visit.
Urgent Care: $100 copay per visit within the PPO network or outside the U.S.
Otherwise, $200 copay per visit.
To policy maximum
In US: $350 copay
50% of actual charges
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum
Within the PPO network or outside the U.S.: $50 copay per visit.
Otherwise, $100 copay per visit.
Urgent Care: $75 copay per visit within the PPO network or outside the U.S.
Otherwise, $150 copay per visit.
To policy maximum
In US: $350 copay
50% of actual charges
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
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
60 days
Standard basic hospital bed and/or standard wheelchair rental up to purchase prices
Recreational: Included. School/Club Sports - $5,000 per injury/illness.
$750 per injury/illness, if covered injury/illness results in hospital admission.
$15,000.
Pregnancy must begin after effective date.
Maximum of 40 days. Cannot be provided at a Student Health Center.
Maximum of 40 visits. Cannot be provided at a Student Health Center.
Included in the Mental & Nervous Disorder benefit
Physical Therapy and Chiropractic Care: $75 per day Must be ordered in advance by a physician.
United Healthcare PPO
Network of physicians, hospitals, urgent cares, labs and other healthcare providers.
No network for pharmacies, dentists, ambulance.
On effective date, $25,000 for Acute Onset only.
After 6 month waiting period, same as any other eligible expense.
$750
$500
-
-
Included
60 days
Standard basic hospital bed and/or standard wheelchair rental up to purchase prices
Recreational: Included. School/Club Sports - $5,000 per injury/illness.
$750 per injury/illness, if covered injury/illness results in hospital admission.
$10,000.
Pregnancy must begin after effective date.
Maximum of 30 days. Cannot be provided at a Student Health Center.
Maximum of 30 visits. Cannot be provided at a Student Health Center.
Included in the Mental & Nervous Disorder benefit
Physical Therapy and Chiropractic Care: $50 per day Must be ordered in advance by a physician.
United Healthcare PPO
Network of physicians, hospitals, urgent cares, labs and other healthcare providers.
No network for pharmacies, dentists, ambulance.
On effective date, $25,000 for Acute Onset only.
After 6 month waiting period, same as any other eligible expense.
$750
$500
-
-
Included
60 days
Standard basic hospital bed and/or standard wheelchair rental up to purchase prices
Recreational: Included
$300 per injury/illness, if covered injury/illness results in hospital admission.
-
$5,000. Cannot be provided at a Student Health Center.
$500. Cannot be provided at a Student Health Center.
-
Physical Therapy and Chiropractic Care: $25 per day Must be ordered in advance by a physician.
United Healthcare PPO
Network of physicians, hospitals, urgent cares, labs and other healthcare providers.
No network for pharmacies, dentists, ambulance.
$25,000 for Acute Onset only.
-
$500
-
-
Included
60 days
Standard basic hospital bed and/or standard wheelchair rental up to purchase prices
Recreational: Included
$500 per injury/illness, if covered injury/illness results in hospital admission.
$5,000.
Pregnancy must begin after effective date.
Maximum of 30 days. Cannot be provided at a Student Health Center.
Maximum of 30 visits. Cannot be provided at a Student Health Center.
Included in the Mental & Nervous Disorder benefit
Physical Therapy and Chiropractic Care: $50 per day Must be ordered in advance by a physician.
United Healthcare PPO
Network of physicians, hospitals, urgent cares, labs and other healthcare providers.
No network for pharmacies, dentists, ambulance.
On effective date, $25,000 for Acute Onset only.
After 12 month waiting period, same as any other eligible expense.
$250
$500
-
-
Included
Dental
$500
$500
$500
$500
$500
$500
$500
$500
Travel
-
-
-
$5,000, maximum of 15 days
$300,000
$50,000
-
-
-
-
-
$5,000, maximum of 15 days
$300,000
$50,000
-
-
-
-
-
$1,000, maximum of 15 days
$50,000
$25,000
-
-
-
-
-
$1,000, maximum of 15 days
$250,000
$25,000
-
-
Life
$25,000 Optional: up to $50,000
$25,000 Optional: up to $50,000
$25,000 Optional: up to $50,000
$25,000 Optional: up to $50,000
-
-
-
-
Other
-
Incidental: 15 days per 3 month period
Within the PPO network or outside the U.S.: $75 copay per visit. Otherwise, $150 copay per visit
-
-
$250,000
$50,000 Eligible medical expenses only
Outside Home Country
-
Incidental: 15 days per 3 month period
Within the PPO network or outside the U.S.: $100 copay per visit. Otherwise, $200 copay per visit.
-
-
-
$50,000 Eligible medical expenses only
Outside Home Country
-
Incidental: 15 days per 3 month period
Within the PPO network or outside the U.S.: $200 copay per visit. Otherwise, $400 copay per visit.
-
-
-
-
Outside Home Country
-
Incidental: 15 days per 3 month period
Within the PPO network or outside the U.S.: $150 copay per visit. Otherwise, $300 copay per visit.
-
-
-
$50,000 Eligible medical expenses only
Outside Home Country
Plan Features
Before effective date, full refund.
After effective date, must be within first 60 days, pro-rated refund for whole months minus $25 cancellation fee, as long as no claims have been filed since the effective date; form required.
1 month up to 4 years
$0
Vaccination Coverage: Up to $150
Optional Crisis Response Rider: $100,000
Preventative Care: $200 after 6 months of continuous coverage
Email
Postal Mail
Courier
Per Incident
$0 0-64
Per Incident
$500,000 0-64
WorldTrips
Lloyd's
Before effective date, full refund.
After effective date, must be within first 60 days, pro-rated refund for whole months minus $25 cancellation fee, as long as no claims have been filed since the effective date; form required.
1 month up to 4 years
$0
Optional: Crisis Response Rider $100,000
Email
Postal Mail
Courier
Per Incident
$0 0-64
Per Incident
$500,000 0-64
WorldTrips
Lloyd's
Before effective date, full refund.
After effective date, must be within first 60 days, pro-rated refund for whole months minus $25 cancellation fee, as long as no claims have been filed since the effective date; form required.
1 month up to 4 years
$0
-
Email
Postal Mail
Courier
Per Incident
$0 0-64
Per Incident
$100,000 0-64
WorldTrips
Lloyd's
Before effective date, full refund.
After effective date, must be within first 60 days, pro-rated refund for whole months minus $25 cancellation fee, as long as no claims have been filed since the effective date; form required.
1 month up to 4 years
$0
-
Email
Postal Mail
Courier
Per Incident
$0 0-64
Per Incident
$250,000 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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