Adjusting to life in a new country or at a college means excitement, challenge, and the unexpected. No amount of preparation can guarantee a trouble-free transition. There is one area, however, in which you do not want to face the unexpected: medical care for yourself and your family. The United States does not have a national health plan, and the government is not a major provider of medical care. Arranging and paying for medical care is your responsibility. Because medical care in the United States is very expensive, the best way to meet this responsibility is to obtain comprehensive health-insurance coverage to protect you and your family from exorbitant costs.
Saint Vincent College has partnered with Student Resources and the Midwest National Life Insurance Company of Tennessee to offer you an economical, comprehensive, major medical insurance plan called the Collegiate Care Plan. The plan's major coverages are described below. We strongly recommend you acquire this health insurance if you are not currently covered under a comparable or better health insurance plan. Too often students do not recognize their need for insurance until it is too late. To receive an application or more information on the Collegiate Care Plan contact the OMISL.
Student Health Insurance Collegiate Care Plan
| MAXIMUM BENEFIT |
$25,000 for each injury or sickness |
| DEDUCTIBLE |
$50 per policy year (per insured)*deductible is waived when treatment is rendered at the Health Center |
| INPATIENT |
|
| * Room and Board |
$300 per day |
| * Hospital Miscellaneous |
$700 first day/$500 second day/ $300 each subsequent day |
| * Physiotherapy |
Paid under hospital miscellaneous |
| * Surgery |
U&C/$1,500 maximum |
| * Anesthetist |
25% of Surgery Allowance |
| * Physician’s Visits |
$30.00 per day |
| * Pre-Admission Testing |
Paid under hospital miscellaneous |
| * Psychotherapy |
Paid as any other sickness/$1,500 maximum per policy year |
| OUTPATIENT |
|
| * Surgery |
U&C/$1,500 maximum |
| * Day Surgery Miscellaneous |
$700 maximum |
| * Anesthetist |
25% of Surgery Allowance |
| * Outpatient Misc. Benefit |
$400 maximum |
| * Physicians Visits |
Paid under Outpatient Miscellaneous Benefit |
| * Physiotherapy |
Paid under Outpatient Miscellaneous Benefit (outpatient Physiotherapy benefits are payable only for a condition that required surgery or hospital confinement: 1) Within the 30 days immediately preceding such physiotherapy or 2) within the 30 days immediately following the attending physician'’ release from rehabilitation. |
| * Medical Emergency |
Paid Under Outpatient Miscellaneous Benefit |
| * X-Rays & Laboratory |
Paid Under Outpatient Miscellaneous Benefit |
| * Tests & Procedures |
Paid Under Outpatient Miscellaneous Benefit |
| * Prescription Drugs |
$100 maximum/ Per policy year |
| * Psychotherapy |
$45 per day/ 10 days maximum per policy year |
| OTHER |
|
| * Ambulance |
$100 maximum |
| * Braces & Appliances |
$100 maximum |
| * Consultant |
$100 maximum |
| * Dental |
$200 maximum(Benefits paid on injury to sound, natural teeth only) |
| * Maternity |
Paid as any other sickness |
| * Complications of Pregnancy |
Paid as any other sickness |
| * AD&D |
$2,500 - $5,000 maximum |
| |
|
| ANNUAL RATES |
|
| Under age 30 |
|
| * Student |
$386.00 |
| * Spouse |
$1,256.00 |
| * Each Child |
$966.00 |
| Age 30 & Over |
|
| Student |
$463.00 |
| Spouse |
$1,507.00 |
| Each Child |
$966.00 |
Some information contained in this document has been compiled from the NAFSA's International Student Handbook p90. ©1996 NAFSA & ©1996 AT&T.
