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INSURANCE PLAN

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아래 정보는 2017~2018 Florida State University F-1 비자 기준이며, 연간 학교 보험료는 $2,361 입니다.
이 조건에 만족한 플렌으로 가입시 연간 $1,150 이상의 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
    • Florida State University 보험회사 : United Healthcare
Insurance Provider 학교보험 (UHC) GBG
Maximum Benefit Unlimited Unlimited
In / Out of Network 80% / 70% 100% / 50%
Deductible $500 / $1,000 $250(입원시에만 적용)
Mental Health Care80% / 70% 100% / 50%
Substance Abuse Treatment80% / 70% 100% / 50%
Preventive Care 100% / X 100% / 50%
Maternity80% / 70% 제한적인 보상
Suicide Attempt N/A 100%
Pre-Existing ConditionCovered Covered
Annual Insurance Rate $2,361 $1,199



  • Florida State University 학교보험 기간 / 금액
Annual
08/15/17-08/14/18
Fall
08/15/17-12/31/17
Spring/Summer
01/01/18-08/14/18
학교보험료 $2,361 $899 $1,462

* 보험 GBG Plan 가입 시 학교보험을 가입하시는 것보다 약 $1,150 정도 보험료를 절감하실 수 있습니다.

  • Florida State University Waiver Requirement.

1. Who must be covered?
   a. Students studying at FSU on a J visa and their accompanying dependents.
   b. Students studying at FSU on an F visa and their accompanying dependents.
   c. All other students, for health insurance compliance purposes, are considered to be    domestic students.
2. To meet FSU Board of Trustee requirements for health insurance your insurance policy MUST provide the following:
   a. Coverage for the entire academic year, including annual breaks, regardless of your terms of enrollment. The policy must provide continuous coverage for the entire period you are enrolled as an eligible student. Payment of benefits must be renewable.
   i. For the fall term dates of coverage must be at least August 15 through December 31.
   ii. For the spring term dates of coverage must be at least January 1 through May 9.
   iii. For the summer term, even if you will not be attending classes during summer session, dates of coverage must be at least May 10 through August 14.
   b. Basic benefits: room, board, hospital services, physician fees, surgeon fees, ambulance, outpatient services, and outpatient customary fees paid at 80% or more of usual, customary, reasonable (UCR) charges per accident or illness, after deductible is met, for in-network, and 70% or more of UCR charges for out-of-network providers per accident or illness.
   c. Mental health care for in-patient mental health care paid at 80% in-network or 60% out-of-network of the UCR fees with a minimum 30-day cap per benefit period AND outpatient mental health care paid at 80% in-network or 60% out-of-network of the UCR fees for a minimum of 30 (preferably 40) sessions per year.
   d. Maternity benefits treated as any other temporary medical condition and paid at no less than 80% of UCR fees in-network or 60% out-of-network.
   e. In-patient/out-patient prescription medication coverage of $1,000 or more.
   f. At least $25,000 to cover return of your remains to your native country should you die in the United States.
   g. At least $50,000 for medical evacuation to permit you to be transported to your home country and to be accompanied by a provider or escort, if directed by the physician in charge.
   h. A deductible of no more than $50 per occurrence if treatment or services are rendered at the FSU Wellness Center and no more than $100 per occurrence if
treatment or services are rendered at an off-campus ambulatory care of hospital emergency department facility.
   i. At least $200,000 for covered illnesses/injuries per illness or accident per policy year.
   j. No more than a six-month waiting period at the beginning of the policy for coverage of pre-existing conditions.
   k. Your insurance carrier must have an “A” rating or above per Federal Regulations.
   l. Claims must be paid in US dollars payable on a US financial institution. Your carrier must have a US claims mailing address.
   m. Your policy provisions must be available from the insurer in English.
   n. Your policy cannot unreasonably exclude coverage for perils inherent in your program of study. That means that if your studies involve, for example, working with chemicals, your policy cannot exclude coverage for injury due to exposure to chemicals in the laboratory. If your program of study requires scuba diving for oceanographic studies, scuba diving cannot be excluded from coverage. If you will be working with laboratory animals, your coverage cannot exclude coverage for exposure to the laboratory animals.
  3. The student health insurance available through Florida State University will meet all the requirements outlined in paragraph 2 above.
  4. If you will NOT be purchasing the student health insurance available through Florida State University:
   a. Verify with your prospective insurance company that the coverage you want to purchase will meet all of the requirements listed in paragraph 2 above BEFORE you make any payment for the policy. Understand that there is more to insurance than the premium price. Look at the benefits the plan will provide.
   b. Complete the waiver. You will have to answer questions and provide information about the policy you have purchased.
   i. Your policy must cover you for the entire time you will be a student at FSU including holiday and summer breaks, even if you will be going to your home country for the breaks.
   ii. Your insurance must begin and end according to the dates shown in paragraph 2.a. above.
   iii. FSU, University Health Services and the Health and Wellness Center are not responsible for loss of premiums for non-compliant insurance policies or loss of academic privileges due to inaccurately completed waivers.
   c. If the insurance you will be using is dependent coverage from your spouse’s employer-paid plan, you may not have the coverage required for medical evacuation or repatriation of your remains as outlined in paragraphs 2. f and 2.g above.
   i. That coverage can be purchased directly from United HealthCare Student Resources at their web site: www.uhcsr.com/fsu.
  1. The coverage expires every August 14.
  2. The premium is the same regardless of the date of purchase during the year.
  3. Dependent children also on J visas must also have this coverage.
   ii. Send an e-mail with confirmation of the purchase to healthcompliance@fsu.edu. That e-mail will be used to clear your insurance waiver.

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