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보험 약관

Elite

$129.90/30 DaysUnder 25

  • 가장 효율적이고 인기있는 플랜: 저렴한 공제액, 최대 90 %의 보상 비율 및 예방 치료 서비스.

Prime

$106.20/30 DaysUnder 25

  • 효율적인 비용의 보험 플랜: 저렴한 보험료, 낮은 공제액, 최대 80% 보상 및 예방 치료 서비스.

Choice

$89.70/30 DaysUnder 25

Preferred

$73.50/30 DaysUnder 25

  • 이 보험 플랜은 보험료 및 공제액이 저렴합니다. 또한 처방약 및 양질의 의료 혜택을 보장합니다.

Basic

$57/30 DaysUnder 25or$54/30 DaysUnder 25

  • 저렴한 보험료와 질병에 대한 충분한 보호를 원하는 학생들에게 적합합니다.

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Deductible

The amount you pay for covered health care services before your insurance plan starts to pay. Deductible may not apply to all services.

Deductible (Preferred Provider)
$0 Per Policy Year $100 Per Policy Year $500 Per Policy Year $100 Per Policy Year $100 Per Policy Year

Maximum Benefit

The most an insurance company will pay for claims made within a certain period of time.

Maximum Benefit (For each Injury or Sickness)
No Overall Maximum Dollar Limit No Overall Maximum Dollar Limit No Overall Maximum Dollar Limit $500,000 $500,000

Coinsurance

The percentage of costs of a covered health care service the insurance company pays after you've paid your deductible.

Coinsurance (Preferred Provider)
90% except as noted 80% except as noted 80% except as noted 80% except as noted 80% except as noted

Out-of-pocket maximum

The most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance, your health plan pays 100% of the costs of covered benefits. The out-of-pocket limit doesn't include your monthly premiums. It also doesn't include anything you spend for services your plan doesn't cover.

Out-of-pocket Maximum (Preferred Provider)
$5000 Per Policy Year $6350 Per Policy Year $7350 Per Policy Year

Pre-existing waiting period

The time period during which an individual policy won't pay for care relating to a pre-existing condition.

Pre-existing Waiting Period
12 months

Preventative care services

Health care services that help prevent disease. Flu shots and Pap smears are examples of preventive care.

Preventive Care Services
100% of Perferred Allowance 100% of Perferred Allowance 100% of Perferred Allowance No Benefits No Benefits

Prescription Drugs

Drugs and medications that by law require a prescription.

Prescription Drugs (UnitedHealthcare Pharmacy)
$15 Copay - Tier 1
30% Coinsurance - Tier 2
50% Coinsurance - Tier 3
$15 Copay - Tier 1
30% Coinsurance - Tier 2
50% Coinsurance - Tier 3
$25 Copay - Tier 1
30% Coinsurance - Tier 2
50% Coinsurance - Tier 3
$20 Copay - Tier 1
40% Coinsurance - Tier 2
50% Coinsurance - Tier 3
No Benefits for UHCP

Routine Eye Exam

TBA

Routine Eye Exam
$100 Maximum $100 Maximum

Vision Care Supplies/h3>

TBA

Vision Care Supplies
$100 Maximum $100 Maximum
Enroll Now
Download Policy FlyerCertificate

Deductible

The amount you pay for covered health care services before your insurance plan starts to pay. Deductible may not apply to all services.

Deductible (Preferred Provider)
$0 Per Policy Year

Maximum Benefit

The most an insurance company will pay for claims made within a certain period of time.

Maximum Benefit (For each Injury or Sickness)
No Overall Maximum Dollar Limit

Coinsurance

The percentage of costs of a covered health care service the insurance company pays after you've paid your deductible.

Coinsurance (Preferred Provider)
90% except as noted

Out-of-pocket maximum

The most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance, your health plan pays 100% of the costs of covered benefits. The out-of-pocket limit doesn't include your monthly premiums. It also doesn't include anything you spend for services your plan doesn't cover.

Out-of-pocket Maximum (Preferred Provider)
$5000 Per Policy Year

Pre-existing waiting period

The time period during which an individual policy won't pay for care relating to a pre-existing condition.

Pre-existing Waiting Period

Preventative care services

Health care services that help prevent disease. Flu shots and Pap smears are examples of preventive care.

Preventive Care Services
100% of Perferred Allowance

Prescription Drugs

Drugs and medications that by law require a prescription.

Prescription Drugs (UnitedHealthcare Pharmacy)

Routine Eye Exam

TBA

Routine Eye Exam
$100 Maximum
Download Policy FlyerCertificate

Deductible

The amount you pay for covered health care services before your insurance plan starts to pay. Deductible may not apply to all services.

Deductible (Preferred Provider)
$100 Per Policy Year

Maximum Benefit

The most an insurance company will pay for claims made within a certain period of time.

Maximum Benefit (For each Injury or Sickness)
No Overall Maximum Dollar Limit

Coinsurance

The percentage of costs of a covered health care service the insurance company pays after you've paid your deductible.

Coinsurance (Preferred Provider)
80% except as noted

Out-of-pocket maximum

The most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance, your health plan pays 100% of the costs of covered benefits. The out-of-pocket limit doesn't include your monthly premiums. It also doesn't include anything you spend for services your plan doesn't cover.

Out-of-pocket Maximum (Preferred Provider)
$6350 Per Policy Year

Pre-existing waiting period

The time period during which an individual policy won't pay for care relating to a pre-existing condition.

Pre-existing Waiting Period

Preventative care services

Health care services that help prevent disease. Flu shots and Pap smears are examples of preventive care.

Preventive Care Services
100% of Perferred Allowance

Prescription Drugs

Drugs and medications that by law require a prescription.

Prescription Drugs (UnitedHealthcare Pharmacy)

Routine Eye Exam

TBA

Routine Eye Exam
$100 Maximum
Download Policy FlyerCertificate

Deductible

The amount you pay for covered health care services before your insurance plan starts to pay. Deductible may not apply to all services.

Deductible (Preferred Provider)
$500 Per Policy Year

Maximum Benefit

The most an insurance company will pay for claims made within a certain period of time.

Maximum Benefit (For each Injury or Sickness)
No Overall Maximum Dollar Limit

Coinsurance

The percentage of costs of a covered health care service the insurance company pays after you've paid your deductible.

Coinsurance (Preferred Provider)
80% except as noted

Out-of-pocket maximum

The most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance, your health plan pays 100% of the costs of covered benefits. The out-of-pocket limit doesn't include your monthly premiums. It also doesn't include anything you spend for services your plan doesn't cover.

Out-of-pocket Maximum (Preferred Provider)
$7350 Per Policy Year

Pre-existing waiting period

The time period during which an individual policy won't pay for care relating to a pre-existing condition.

Pre-existing Waiting Period

Preventative care services

Health care services that help prevent disease. Flu shots and Pap smears are examples of preventive care.

Preventive Care Services
100% of Perferred Allowance

Prescription Drugs

Drugs and medications that by law require a prescription.

Prescription Drugs (UnitedHealthcare Pharmacy)

Routine Eye Exam

TBA

Routine Eye Exam
Download Policy FlyerCertificate

Deductible

The amount you pay for covered health care services before your insurance plan starts to pay. Deductible may not apply to all services.

Deductible (Preferred Provider)
$100 Per Policy Year

Maximum Benefit

The most an insurance company will pay for claims made within a certain period of time.

Maximum Benefit (For each Injury or Sickness)
$500,000

Coinsurance

The percentage of costs of a covered health care service the insurance company pays after you've paid your deductible.

Coinsurance (Preferred Provider)
80% except as noted

Out-of-pocket maximum

The most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance, your health plan pays 100% of the costs of covered benefits. The out-of-pocket limit doesn't include your monthly premiums. It also doesn't include anything you spend for services your plan doesn't cover.

Out-of-pocket Maximum (Preferred Provider)

Pre-existing waiting period

The time period during which an individual policy won't pay for care relating to a pre-existing condition.

Pre-existing Waiting Period

Preventative care services

Health care services that help prevent disease. Flu shots and Pap smears are examples of preventive care.

Preventive Care Services
No Benefits

Prescription Drugs

Drugs and medications that by law require a prescription.

Prescription Drugs (UnitedHealthcare Pharmacy)

Routine Eye Exam

TBA

Routine Eye Exam
Download Policy FlyerCertificate

Deductible

The amount you pay for covered health care services before your insurance plan starts to pay. Deductible may not apply to all services.

Deductible (Preferred Provider)
Option of $100 or $500 Per Policy Year

Maximum Benefit

The most an insurance company will pay for claims made within a certain period of time.

Maximum Benefit (For each Injury or Sickness)
$500,000

Coinsurance

The percentage of costs of a covered health care service the insurance company pays after you've paid your deductible.

Coinsurance (Preferred Provider)
80% except as noted

Out-of-pocket maximum

The most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance, your health plan pays 100% of the costs of covered benefits. The out-of-pocket limit doesn't include your monthly premiums. It also doesn't include anything you spend for services your plan doesn't cover.

Out-of-pocket Maximum (Preferred Provider)

Pre-existing waiting period

The time period during which an individual policy won't pay for care relating to a pre-existing condition.

Pre-existing Waiting Period
12 months

Preventative care services

Health care services that help prevent disease. Flu shots and Pap smears are examples of preventive care.

Preventive Care Services
No Benefits

Prescription Drugs

Drugs and medications that by law require a prescription.

Prescription Drugs (UnitedHealthcare Pharmacy)
12 months

Routine Eye Exam

TBA

Routine Eye Exam
Enroll Now

공제액
보험 플랜이 지불하기 전에 보장되는 건강 관리 서비스에 대해 지불하는 금액. 공제액이 모든 서비스에 적용되는 것은 아닙니다.

공동 부담금
일반적으로 의사 방문 또는 처방전마다 일정한 금액을 지불합니다.

공동 보험
공제액 지불 후 보험 회사가 지불하는 보장된 의료 서비스 비용의 비율입니다.

본인 부담 한도액
플랜 연도 내에 보장되는 서비스에 대해 지불해야 하는 최대 금액. 공제액, 공동 부담금 및 공동 보험을 지불한 후 이 금액을 초과하는 보장 혜택 비용의 100 %를 보험 회사에서 지불합니다. 월 보험료는 본인 부담 한도에 포함되지 않습니다. 또한 플랜이 보장하지 않는 서비스에 사용되는 비용은 포함되지 않습니다.

고려 사항

보험 플랜이 학교 요구 사항을 충족하나요?

대학에서 제공되는 건강 보험을 성공적으로 면제받으려면 가입한 의료보험 플랜이 학교의 최소 보험 요건을 충족해야 합니다. 대학 웹 사이트에서 보험 요구 사항을 검토하세요세요.

이 의료보험이 필요한 특정 치료/약물을 보장하나요?

보험 플랜을 선택할 때 본인의 의료 상태를 고려하세요. 특정한 의학적 질문이 있는 경우 의사 또는 고객 서비스에 문의하세요.

처방약을 보장하나요?

Preferred, Prime 및 Elite는 처방약에 대한 혜택을 제공합니다.

백신 접종이 필요한가요?

Prime and Elite 플랜은 MMR 및 독감 예방 주사와 같은 예방 백신을 100 % 보장합니다. 자세한 정보는 백신 접종을 방문하세요.

기존 병력도 보장하나요?

기존 병력은 보험 적용이 시작되기 전에 발생한 건강 문제입니다. Preferred, Prime and Elite플랜들은 기존 병력 보장에 제한이 없습니다. 오직 Basic 플랜만 12 개월 이내의 기존 병력에 대한 보장 대기 기간이 있습니다.

도움이 필요하신가요? 지금 바로 연락하세요.

저희의 팀은 고객들을 위한 친절과 인내심을 핵심으로 생각합니다.. 저희 보험 담당자에게 문의하시면 건강 보험 사용, 의사 방문, 보험 ID 다운로드 및 청구와 관련된 모든 문제에 대해 도움을 드릴 수 있습니다.

저희에게 연락해주세요