Health Insurance in the U.S.

Issues to be aware of are:

  • · That you generally get what you pay for. Be aware that low cost plans may provide limited benefits.
  • · Insurance usually does not cover all costs. There are often deductibles & co-pays that need to be paid by the student.
  • · You need to know the plan benefits. The benefits provided may be better if you use a Health Center or a certain provider.
  • · You need to be pro-active in making sure that claims and other paperwork are handled properly. If the insurance company needs additional information from the doctor’s office, you may need to prompt the office to send the info in a timely manner.

Note, some information in the following websites and publications contain information intended for U.S. citizens
· Georgetown University – “A Consumer Guide for Getting and Keeping Health Insurance
· The Agency for Healthcare & Research Quality “Checkup on Health Insurance Choices”
· The Agency for Healthcare & Research Quality “Understanding Health Insurance Terms”
· National Association of Health Underwriters “Glossary of Terms”

Do I need international student health insurance?
Comparison Chart ? You Decide Which Health Insurance Plan is Right for You.
Health Insurance in the U.S.& Buyers Guides

Compass plans provide value and choice

Compass Plans are designed to meet the different reasons our clients have for purchasing medical insurance. Be sure to check your school's requirement before purchasing. If your school has more stringent requirements, check to see if your school is listed under exclusive alternatives.

Compass Elite–The Elite plan provides the greatest protection against a large covered claim. After the deductible, the first$10,000 is covered at 80%, then it covers eligible claims 100% from $10,001 to $250,000..

Compass Care–The Compass Care plan provides 80% coverage for covered medical expenses up to the plan maximum of $100,000. NOTE: There are no hidden caps or limitations on standard medical care as is the case with less expensive, low level plans currently being offered on some websites.

Compass Budget–The Budget plan is similar to the Compass Care plan but it does not provide pregnancy coverage. It is designed for those looking for the lowest cost plan that offers decent, straightforward coverage.

Compass Benchmark–The Benchmark Plan is an exclusive alternative plan available to students at schools that require higher levels of coverage.