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May I renew my policy if I extend my stay in my country of study? |
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Yes, as long as you fulfill one of the eligibility requirements described above. Send the appropriate premium with another completed enrollment form within 30 days following the end of the first coverage period to avoid a lapse in coverage. Alternately, you may complete and return a renewal form that will be mailed to you one month prior to your current certificate expiration date. The Study USA-HealthCare is renewable up to a total of 48 months. |
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May I go to any doctor or hospital, or must I use my school's Student Health Center or a preferred provider from Study USA-HealthCare's network? |
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For Foreign Students Studying in the U.S.: You may choose any of these. If you choose choose to be seen at your Student Health Center when it is equipped to treat your condition, you will receive the in-network benefit and also your deductible for such incidents will be waived. For other incidents, if you use a doctor or hospital in Study USA-HealthCare's large preferred provider network, MultiPlan, Inc., you will pay a lower deductible and reach your plan limits more slowly than if you go outside the network.
For US Registered Students Studying Abroad: Outside the U.S., Study USA-HealthCare does not have a Preferred Provider Network. You may choose to be seen at the Student Health Center or at another doctor or hospital and receive the in-network benefit. If you go to the Student Health center when it is equipped to treat your condition, your deductible for such incidents will be waived. You may also use any doctor or hospital of your choice. The Emergency Assistance Company can help you locate a doctor or hospital in the country where you are studying. |
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Is a network provider located in my area? |
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Most likely. For a complete listing of MultiPlan Network participants please contact MultiPlan, Inc. at 800-557-6794 or visit www.multiplan.com. |
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How will I receive care at In-Network level if there are no Network providers in my area? |
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If there is no MultiPlan provider qualified to provide the care needed within a 50 mile radius of your residence, you may choose to be treated outside the Network by a non-MultiPlan provider. In this situation, benefits will be paid at in-network level. |
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Will my Study USA-HealthCare policy cover me if I travel outside the U.S.? |
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Yes. Study USA-HealthCare covers the Insured worldwide, except in your country of permanent residence, as long as you fulfill one of the eligibility requirements described above. |
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Does Study USA-HealthCare cover pre-existing conditions? |
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Sometimes. 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, within 12 months prior to the effective date of the Covered Person's coverage under this Program.
Pre-existing conditions shall be excluded from coverage for a period of 12 months following the effective date of coverage under this program unless stipulated by State or Federal regulation. A Covered Person must be continuously insured. The maximum amount payable for a Pre-existing condition is $10,000." See Study USA-HealthCare's complete list of exclusions. |
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Does Study USA-HealthCare cover pregnancy? |
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Yes, it covers the pregnancy of an Insured student or enrolled Spouse if the pregnancy begins during the coverage period. It does not cover the pregnancy of a dependent child. |
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What should I do if I want to change the policy effective date after I have submitted my Enrollment online? |
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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. |
ServeGlobe Inc., has tried to answer these frequently asked questions to the best of our knowledge. However we make no guarantee regarding the accuracy of our answers. The exact answers for some of the questions can change periodically as insurance companies change their policies. ServeGlobe Inc., is not liable for any problem resulting from the content on this FAQ.
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