International Student health insurance FAQ and Answers

Yes. After your enrollment is processed, your Certificate of Insurance will be mailed to the mailing address you specified while enrolling.

Yes, as long as you remain eligible (see FAQ 1). To renew your policy online you may do so 24 hours before your policy lapses. If you wish to renew via fax or mail then please allow at least 10 business days for renewal.

The coverage will come into effect as early as the following day after you complete your enrollment online, provided you correctly complete your Online Enrollment and correct payment is received.

Please send any corrections to us in writing by email, fax or mail and we will confirm the changes. When sending correspondence, please include a daytime phone number and reference your Online Order Transaction number.

Insurance Company(IMG) will need to know ahead of time about the hospital, etc where the delivery is to take place to arrange payment and pre-authorize benefit payment. As soon as you find out you are pregnant, then call IMG customer service (M-F 9-4 EST) to find out what you should do.
Student Health Advantage Details

As long as you do NOT let the coverage lapse (forget to renew your policy when it expires) there will not be a break in coverage and a pregnancy started in the first year will continue to be covered in the next year of the policy. Should the policy lapse, then you may have issues getting coverage for an existing pregnancy. Conception must occur AFTER the start date of the policy. There is no waiting period or other condition.
Student Health Advantage Details

Yes, your example is accurate. You would pay only one $100 deductible for one sickness regardless of how many times you had to go to the doctor for the follow up etc.

This would have to be allowed by the university. Also, a co-pay is a payment made evert visit (unlike the deductible), so in your above example, the $5 would be paid for first visit, another $5 for follow up.

Several of our student insurance cover acute onset of pre-existing conditions. Pre-existing conditions are defined by the policy as "an injury, illness or condition which was contracted or which first manifested itself, or for which a licensed physician was consulted, or for which treatment or medication was prescribed, prior to the effective date of the insurance plan.

Most plans will exclude a pre-existing condition from coverage for a short waiting period of 6 to 12 months following the effective date of coverage unless stipulated by State or Federal regulation. A Covered Person seeking coverage of a pre-existing condition must fulfill this waiting period without any gaps in insurance.

Yes, many of our international student insurance cover pregnancy of an insured student or enrolled spouse if the pregnancy begins during the coverage period. They do not cover the pregnancy of a dependent child.

Atlas America will not cover pregnancy. However once the child is born you may cover the baby by filling in an additional form, we can help you with this when the time comes.

The health insurance cost for the college student will depend on the student insurance coverage benefits, the age of the student, the medical maximum coverage required and the deductible for the plan. The cost of student health insurance coverage within the US is more expensive when compared to coverage outside the US.

Students and scholars on F or J visas have the best student insurance coverage for maternity coverage. However, the benefits have been reduced a few years ago such that the best coverage is 80% coverage of costs, so the students will have to be aware that they will be responsible for a portion of all costs. Also note that unless their wife is the J1 visa holder they will have to be the primary on the policy and the wife (with J2) will be secondary. Also note that prices are DIFFERENT for the primary and the spouse, so when students quote the prices, quote them for two people at the same time since the cost will be MUCH HIGHER for the wife's coverage.

There are five policies that cover maternity at an 80% coverage without a set limit on benefits. Here is the list in order of their approximate cost. Note that conception has to occur after the start of the plan and most plans ask that students must let them know at least three months before the delivery date.

• Study USA Pref 300 and Pref 500 both cover maternity at a 80/70% (in network/out of network). Conception has to occur after the start of this plan.
• Liaison Student plans Choice and Plus have a $10k limit on maternity benefits at 80/60 coverage respectively.
• Student Secure Secure Elite, Select and Smart plans also cover at 80/70% to the maximum of the plan. The Select plan can be purchased with a $300k maximum, Smart plan can be purchased with a $250k maximum and the Elite can be purchased with $500k.
• Student Health Advantage Platinum has a $5000 maximum limit to maternity and newborn care coverage. It has a $1 million maximum and a $35 deductible and covers at 80/60%. The plan also covers pre-existing conditions with a 6 month waiting period.

GeoBlue student insurance is a student health insurance plan that provides preventive care services along with the other benefits that are usually available with all student health insurance plans.