Purchase Health Insurance

Written on September, 2007 by 况黎

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, use the link below when you buy a insurance, so ISO will count the number of people we refered)          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

Gold

Silver

Bronze

Policy Number

GLB 9112863

GLB 9112864

GLB 9112865

Lifetime Medical Maximum

$300,000

$150,000

$100,000

Per Injury or Sickness

$200,000

$50,000

$50,000

Deductible1

$90

$100

$150

Deductible1 at SHC2

$45

$50

$75

Co-insurance3

100%

100%

100%

Repatriation

$25,000

$25,000

$25,000

Medical Evacuation

$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

Gold

Silver

Bronze

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 &
Alcohol & Substance Abuse Benefits*

$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:
80%

Plan A $25,000.01 - $200,000
Plan B $25,000.01 - $250,000

The Program Pays Covered Medical Expenses:
In Network or outside U.S.: 100%, Out of Network: 80%

Out-Patient Doctor Visit Copay **

Insured Pays:
$10

Emergency Room Visit Copay **
For Outpatient Only

Insured Pays:
$50

 

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.