Customized plans to meet the needs of students grades 6-12
Eligibility for Insurance Coverage
All international students attending a secondary school registered for credit courses who are required to purchase an insurance Plan to be enrolled at the school.
U.S. citizens are not eligible for coverage.
Students must actively attend classes for at least the first 31 days and/or actively attend a school sponsored camp or program after the date for which coverage is purchased. The Company maintains its right to investigate student status and attendance records to verify that the policy Eligibility requirements have been met. If the Company discovers the Eligibility requirements have not been met, its only obligation is refund of premium.
For a complete view of the benefits available with each plan, view the appropriate plan brochure.
SHIP RED includes coverage for well-visits, immunizations and other Preventive Care services.
SHIP WHITE includes no Preventive Care services.
Highlights of the coverage offered:
| Preferred Providers | Out-of-Network Providers | |
|---|---|---|
| Overall Plan Maximum | Unlimited | Unlimited |
| Plan Deductable | $0 | $0 |
| Coinsurance All benefits are subject to specific benefit limitations, maximums and Copays as described in the SHIP WHITE and SHIP RED plan brochures |
100% of Preferred Allowance for Covered Medical Expenses | 80% of Usual and Customary Charges for Covered Medical Expenses (Usual and Customary Charges are based on data provided by Fair Health, Inc. using the 90th percentile based on location of provider.) |
| Prescription Drugs $2500 maximum (Per Policy Year) |
$0 copay for Tier 1 $0 copay for Tier 2 $0 copay for Tier 3 Up to a 31-day supply per prescription filled at a UnitedHealthcare Pharmacy (UHCP) |
100% of Usual and Customary Charges $0 Deductible per prescription Up to a 31-day supply per prescription |
| Outpatient Physiotherapy 60 visits maximum (Per Policy Year) |
100% of Preferred Allowance | 80% of Usual and Customary Charges |
| Surgeon’s Fees If two or more procedures are performed through the same incision or in immediate succession at the same operative session, the maximum amount paid will not exceed 50% of the second procedure and 50% of all subsequent procedures. |
100% of Preferred Allowance | 80% of Usual and Customary Charges |
| Assistant Surgeon | 30% of surgery allowance | 80% of Usual and Customary Charges |
| Preventive Care – Included in SHIP RED Plan only, see Plan Brochure here for full description Preventive Care Services which include, but are not limited to, annual physicals, GYN exams, routine screenings and immunizations. Please see www.healthcare.gov/preventive-care-benefits/ for complete details of the service provided for specific age and risk groups. |
100% of Preferred Allowance
(No Deductible, Copays or Coinsurance will be applied when the services are received from a Preferred Provider) |
80% of Usual and Customary Charges |
| The following services are also included This list is not all inclusive. Please read the plan brochure for complete listing of benefits and any individual benefit maximums or limitations. |
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| UnitedHealthcare Global Repatriation/Medical Evacuation | International Students are covered worldwide except in their home country. | |
This Plan is underwritten by StudentResources (SPC) Ltd. (A UnitedHealth Group Company) and is based on policy number 2017-203251-81. The Policy is a Non-Renewable One-Year Term Policy.