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MEDICAL INSURANCE FOR INTERNATIONAL STUDENTS
Obtaining and maintaining medical insurance during your stay in the United States is vital if you are an international student because the cost of treating even relatively minor medical problems is extremely expensive in the United States. For F-1 students, (and their dependents), medical insurance is not mandatory but it is strongly recommended that you purchase insurance to protect you while studying in the US.

The chart below provides information to allow you to compare the costs and coverage provided by some insurance plans currently available for international students.

INTERNATIONAL STUDENT AND EXCHANGE VISITOR INSURANCE

The U.S. Department of State requires that all Exchange Visitors (J-1 Status) maintain insurance for themselves and their dependents while in the United States. Students in F-1 status are strongly urged to maintain insurance. This chart is for informational purposes only. The City College of New York bears no responsibility for the accuracy of this information. For complete details about each policy, read the provider's brochure (available in the International Student Office) and contact the insurance company directly.

COMPARATIVE SUMMARY OF SELECTED POLICY BENEFITS – 2004-2005 *

NAME

OF

INSURANCE

POLICY

And

PLAN

ADMINISTRATOR

MONTHLY

PREMIUMS

3-Month Minimum Required

(Premiums

by Age Range.

Check Brochure for Current Rates)

DEDUCTIBLES

& STUDENT COST

PER CLAIM

(1) = Deductible.

(2) = Deductible

with University

Health Service Referral

(3) = Amount you would pay for bills of $5,000

CO-INSURANCE

&

MAJOR MEDICAL

COVERAGE

(Covers Usual,

Customary and

Reasonable Charges

after

payment of

Deductible.)

MEDICAL

EVACUATION

and

REPATRIATION

COVERAGE

MAXIMUM

BENEFIT

per injury or

illness

PC = Previous

Conditions

Covered After

FAMILY

COVERAGE

Monthly

Premium

Range

S = Spouse

C = Child

HEALTHCARE

ADVANTAGE

HTH

To 7/31/2005

19-23 $ 34

24-30 $ 47

31-40 $ 67

41-50 $ 128

(1) $ 100

(2) $ 50

(3) $ 990

80% of first

   $10,000,

then

100% up to

   policy maximum.

M.E. up to

   $50,000

R. up to

   $15,000

$250,000 (Stu.)

$ 50,000 (Dep.)

PC = one year.

S=$ 156 to

$ 219

C=$ 63 to

$ 92

PREFERRED

HEALTH PLAN

HTH

To 7/31/2005

19-23 $   46

24-30 $   58

31-40 $   81

41-50 $ 139

(1)   $ 100

(2)   $ 50

(3)   $ 50

100% of first

   $25,000,

then

80% up to

   policy maximum.

M.E. up to

   $50,000

R. up to

   $15,000

$500,000 (Stu.)

$50,000 (Dep.)

PC = one year.

S=$ 183 to

$ 323

C=$ 93

PREFERRED

HEALTH PLAN

HTH

To 7/31/2005

19-23 $ 46

24-30 $ 58

31-40 $ 81

41-50 $ 139

(1) $ 100

(2) $ 50

(3) $ 50

100% of first

$25,000,

then

80% up to

policy maximum.

M.E. up to

$50,000

R. up to

$15,000

$500,000 (Stu.)

$50,000 (Dep.)

PC = one year.

S=$ 183 to

$ 323

C=$ 93

SILVER

I.S.O. & AIG

To7/1/2005

To 23 $ 27

24-30 $ 120

31-40 $ 99

41-50 $ 110

(1) $ 100

(2) $ 50

(3) $ 50

100% up to

policy maximum.

M.E. up to

$15,000

R. up to

$10,000

Lifetime

$100,000

Per Incident

$ 50,000

PC = one year.

S & C

Dependent

Rate =

$ 190 each

COMPASS CARE

PLAN

(Compass Benefits)

To 7/1/2005

To 23 $ 44

24-30 $ 58

31-40 $ 79

41-50 $ 133

(1) $ 100

(2) $ 50

(3) $ 990

80% of first

$10,000,

then

100% up to

policy maximum

M.E. up to

$50,000

R. up to

$25,000

$250,000 (Stu.)

$50,000 (Dep.)

PC = one year.

S= $84

to $282

C = $ 83

VIP

I.S.O. & AIG

$ 57

Flat Rate up to Age 40

(1) $ 100

(2) $ 100

(3) $ 100

Generally 100%

See Brochure for Limits per Type of Treatment.

M.E. up to

$20,000

R. up to

$10,000.

Maximum benefit per event

$ 150,000

PC = none