While most American families are insured under managed care programs (HMOs, PPOs, etc.), such “network plans” often do not provide coverage for your child when he or she is living away from home. Network plans that do provide away-from-home coverage often require high up-front deductibles and co-payments for away-from-home care, that would not be required for "in-network care." For this reason, St. Andrew's offers the following insurance plan options to those parents and guardians whose current medical insurance does not provide adequate or affordable away-from-home coverage for their children.
Plan I—Primary Insurance
The Student Injury and Sickness Plan, underwritten by United Healthcare Insurance, provides primary first dollar benefits for students who do not have any insurance, or whose coverage is not accepted outside of their home area.
This plan provides coverage for 10 months (August 15, 2016 through June 14, 2017) for $1,875.00 USD. Some of the benefits provided include:
- zero deductible;
- coverage of pre-existing conditions;
- doctor’s visits covered at 100% of usual and customary charges; and
- prescription drugs covered at 100% up to $2,000 annually.
PLAN DETAILS FOR DOMESTIC STUDENTS
PLAN DETAILS FOR INTERNATIONAL STUDENTS
To sign up for this Plan, please complete the bottom portion of the Health and Accident Insurance form, which can be found on Page HCF-2 of our health forms packet. If you have questions regarding this plan, please contact the Health Center at 302-285-4240, or via email to firstname.lastname@example.org.
Plan II—Supplemental Insurance
The Student Accident Insurance plan, underwritten by A.W.G. Dewar, Inc., is a supplemental plan that offers coverage for accidental bodily injury from August 31, 2016 through June 3, 2017, for $120.00 USD. If your child participates in sports and/or is prone to accidents, we highly recommend this plan. There is no limit on the number of accidents covered during the policy period. The plan will pay 100% of eligible expenses incurred for medical services, up to $2,500 for each injury. Claims are submitted by the Health Center. Since this plan is a supplemental plan, it cannot be purchased and/or used as primary health insurance coverage.
To sign up for this plan, please complete the bottom portion of the Health and Accident Insurance form, which can be found on Page HCF-2 of our health forms packet. If you have questions regarding this plan, please contact the Health Center at 302-285-4240, or via email to email@example.com.