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INSURANCE PLAN

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아래 정보는 2018~2019 Harvard University F-1 비자 기준이며, 연간 학교 보험료는 $3,364 입니다.
이 조건에 만족한 플렌으로 가입시 연간 $2,100 정도의 보험료를 절약하실 수 있습니다. 유학생, 모든 J비자, 포닥 및 동반 가족분들의 많은 이용 부탁드립니다.
E-mail 및 연락처로 문의 주시면 자세하게 안내해 드리겠습니다. 감사합니다.
  • 학교보험 / GBG보험 비교정보 안내
    • Harvard University 보험회사 : Blue Cross Blue Shield

Insurance Provider 학교보험 (BCBS) GBG Plan
Maximum Benefit Unlimited Unlimited
In / Out of Network 100% / 70% 100% / 50%
Deductible None / $250~500 $250(입원시에만 적용)
Mental Health Care100% / 70% 100% / 50%
Substance Abuse Treatment
(Alcoholism and Drug Addiction)
100% / 70% 100% / 50%
Preventive Care 100% / 0% 100% / 50%
Maternity 100% / 70% 제한적인 보상
Suicide Attempt N/A N/A
Pre-Existing ConditionCovered Covered
Annual Insurance Rate $3,364 $1,216




  • Harvard University 학교보험 기간 / 금액

Annual
08/01/18-07/31/19
Fall
08/01/18-01/31/19
Spring
02/01/19-07/31/19
학교보험료 $3,364 $1,682 $1,682
Health Fee $1,178 $589 $589

* 보험 GBG Plan 가입 시 학교보험을 가입하시는 것보다 약 $2,100 정도 보험료를 절감하실 수 있습니다.


  • Harvard University Waiver Requirement


1. Inpatient and outpatient medical/surgical care in the Boston/Cambridge area

2. Emergency Services

3. Mental health care (both inpatient and outpatient) in the Boston/Cambridge area (commonly-referred facilities include McLean Hospital, Faulkner Hospital, and Cambridge Hospital)

4. Ambulance services (minimum annual benefit of $1200 recommended for emergency and medically necessary transports)

5. Services reasonably accessible to the student in the area where the student attends school

6. A maximum benefit of at least $500,000 per year

7. Coverage for prescriptions

8. Coverage for labs/blood work (not covered by Student Health Fee)

9. Coverage for gynecological services (not covered by Student Health Fee)

10. Coverage for inpatient and/or outpatient care without a referral or authorization from your doctor or health plan at home

11. Coverage for injuries and/or illnesses resulting from substance abuse or drug addiction

12. Coverage for pre-existing conditions without a waiting period

13. Coverage for injuries resulting from the practice or play of intercollegiate athletics (if applicable)

14. Coverage for medically necessary services when traveling or away from home

15. Out-of-pocket expenses (co-payments, coinsurance, deductibles or non-covered services) you can afford

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