International Student Healthcare Experts
We Know Sending Your Child Abroad to Study is Complicated, so Here are Some Answers to the Most Common Questions That Parents Have.
Pre-existing conditions, including prescription drugs, are covered up to a maximum of $2,000 for the first six months of coverage. After the initial six-month period, pre-existing conditions are covered the same as any other illness/injury.
Routine preventative care, vaccinations and tuberculosis screening are covered under this plan.
– The gold plan has no deductibles, co-pay or co-insurance.
– The silver plan has a $25 co-pay for care received in a physician’s office and a $75 co-pay for care received at an emergency room.
– The bronze plan has a $250 deductible and a 20% co-insurance on all services with a $5,000 out-of-pocket maximum.
Interscholastic sports injuries are covered up to $25,000 per coverage year. Depending on how the provider files the claim, an injury questionnaire may be required in order to finalize payment of any sports injury claims.
Yes, this plan uses the Blue Cross Blue Shield® National PPO network. You can visit provider.bcbs.com to find providers near you. The three-letter prefix is QHS.
Yes, the plan covers prescription medication up to $2,000 per coverage year. Members should provide the pharmacist with their ID card at the time of purchase. For more details, please see this pharmacy benefits flyer.
Yes. The GeoBlue plan does cover mental health care. Members have $5,000 for outpatient care and $10,000 for inpatient care per coverage year. All members also have access to the Global Wellness Assist program. This program is similar to an employee assistance program and provides six sessions of counseling, per issue, per year.
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Still have questions about ISM and international student insurance? Reach out to get in contact with a team member!