Purchase Health Insurance
健康保险(Health Insurance)对于每一位Tulane University的注册学生都是必需的。学校提供的保险计划的条款很好,保费大约是每年1800多美元。当然你也可以不选择学校提供的保险计划而选择校外的保险计划。你可以通过搜索引擎在互联网上查找到各种各样的保险计划,从中选出条款适合你的保险计划。必须注意的是,学校要求学生自己选择的保险计划的最大保额不得少于25万美元;当你购买了非学校提供的保险计划后,你必须在学校所要求的放弃加入学校保险计划的截止日期前去学校健康中心或在通过互联网( https://www.chickering.com/hardwaiver/default.aspx?PGroupNo=890437 )申请放弃加入学校保险计划,否则会被自动加入到学校保险计划中。以下推荐两种便宜且条款比较合适的保险:
1.ISO
COMPASS Health
Insurance
( TCSSA sponosor, So If you want to buy insurance from ISO, please use this link to support our work.) http://www.isoa.org/default.aspx?ref=http://www.tulane.edu/~tcssa
如果你的年龄不足24周岁,可以选择ISO COMPASS Health Insurance计划中的黄金计划(Gold Plan):30万美元的最大保额(Maximum Medical Benefits),每月保费为43美元,一年保费为516美元。
COMPASS - Summary Schedule of Benefits |
|||
Benefit |
|||
Policy Number |
GLB 9112863 |
GLB 9112864 |
GLB 9112865 |
$300,000 |
$150,000 |
$100,000 |
|
$200,000 |
$50,000 |
$50,000 |
|
$90 |
$100 |
$150 |
|
Deductible1 at SHC2 |
$45 |
$50 |
$75 |
100% |
100% |
100% |
|
$25,000 |
$25,000 |
$25,000 |
|
$50,000 |
$50,000 |
$50,000 |
|
AD&D - Accidental Death & Dismemberment |
$10,000 |
$10,000 |
$10,000 |
Home Country Coverage |
$500 |
$500 |
$500 |
COMPASS Monthly Rates |
|||
Age |
|||
Under 24 |
$43 |
$31 |
$29 |
24-30 |
$115 |
$85 |
$81 |
31-40 |
$131 |
$110 |
$99 |
41-50 |
$173 |
$120 |
$110 |
51-65 |
$192 |
$140 |
$130 |
Dependent |
$293 |
$190 |
$180 |
2.Study USA-HealthCare http://www.travelinsure.com/what/susahigh.htm
如果你的年龄为24-39周岁,可以选择Study USA-HealthCare计划的B计划(Plan B):25万美元的最大保额,每月保费为47美元(24周岁以下)、51美元(25-29周岁)和56美元(30-39周岁),一年保费为564美元(24周岁以下)、612美元(25-29周岁)和672美元(30-39周岁),加入该保险计划需交5美元的注册费(Enrollment Fee)。
Age |
Plan A |
Plan B |
0 - 24 |
$39 |
$47 |
25 - 29 |
$42 |
$51 |
30 - 39 |
$47 |
$56 |
40 - 45 |
$73 |
$87 |
46 - 54 |
$82 |
$99 |
Spouse |
$194 |
$233 |
Child |
$64 |
$77 |
Included Benefits |
Plan A Limit |
Plan B Limit |
Medical Expenses, per incident |
$200,000 |
$250,000 |
Emergency Medical Evacuation |
$30,000 |
$30,000 |
Accidental Death and Dismemberment |
$10,000 |
$10,000 |
Mental
or Nervous Disorders & |
$5,000 * |
$5,000 * |
Repatriation of Remains |
$10,000 |
$10,000 |
Medical Benefit Schedule |
In the MultiPlan Network or Outside the U.S. |
Out of the MultiPlan Network |
After a $50 Deductible* / incident |
After a $150 Deductible* / incident |
|
Up to $25,000 |
The Program
Pays Covered Medical Expenses: |
|
Plan A $25,000.01 - $200,000 |
The Program Pays Covered Medical Expenses: |
|
Out-Patient Doctor Visit Copay ** |
Insured
Pays: |
|
Emergency Room Visit Copay ** |
Insured Pays: |
注:
1.以上推荐仅代表个人观点。强烈建议在购买之前认真阅读保险计划条款,并根据自己的实际情况及需要购买保险计划。
2.保险专业名词解释
Lifetime Medical Maximum |
means the total amount payable by the insurance company for covered medical expenses for injury or sickness per policy lifetime. |
Deductible |
means the dollar amount of covered expenses you are responsible to pay the physician or hospital before the policy will pay any benefits. |
Co-Insurance |
means the ratio (%) of splitting the bill between the insurance company and you. 80% for the first $5,000 means the insurance company will pay $4,000 and you are responsible for the remaining $1,000. |