| Benefits | HTH/GeoBlue Navigator | SC Liaison Student | IMG Student Health Advantage | IMG Student Health Advantage Platinum | HCC Student Secure Budget & Smart Plan –Student Only | HCC Student Secure Elite & Select Plan – Student only |
| Policy Year Coverage | Unlimited |
Lifetime $250,000 (G) $500,000 (H) $1,000,000 (I) |
$500,000 (student) $100,000 (dependent) |
$1,000,000 (student) $100,000 (dependent) |
$250,000 – Budget $200,000 – Smart |
$500,000 – Elite $300,000 – Select |
| Maximum Benefit per Injury or Sickness | Unlimited |
$250,000(G) $300,000(H) $500,000 (I) |
$300,000 (student) $100,000 (dependent) |
$500,000 (student) $100,000 (dependent) |
$250,000 – Budget $100,000 – Smart |
To the policy limit |
| Deductible |
Amount Selected Maximum of $500 for J-1 visa. |
$25/per illness/injury in PPO $50/per illness/injury outside PPO |
$100 (Per injury or Sickness) reduced |
$25 PPO Provider $50 non-PPO Provider |
$45 (Per injury or Sickness) in PPO or Student Health Center Otherwise $90 |
$25 (Per injury or Sickness) in PPO & Student Health Center; otherwise $50 |
| Co-pays |
$30 U.S. in-Network $10 overseas |
$5 co-pay Student Health Center | Student Health Center: $5 co-pay | none | none | |
| Co-insurance |
Co-insurance: 0 – outside USA 20% in-Network in USA 40% out-of-Network in USA Maximum coinsurance $3000 |
Plan G: 80% to $10,000, then 100% to plan Maximum (out of your pocket, $2,000) Plan 2: 100% to plan maximum after deductible (out of your pocket, $0.00) |
In PPO & Student Health Center: no coinsurance. Outside PPO in U.S. 80% to $5000, the 100% |
In PPO & Student Health Center: no coinsurance. Outside PPO in U.S. 80% to $5000, the 100% |
Underwriters will pay 80% of 80% of Expenses – Smart |
Elite: Charges incurred within the US using PPO network or Student Health Center 100% of eligible expenses, (80% out of PPO) Select: Charges in PPO network in the US then 80% covered of $5,000, then 100% |
| Pre-existing Medical Coverage | Covered after 12 months | Up to $25,000 for Acute Onset | Covered after 12 months of continuous coverage | Covered after 6 months continuous coverage |
12 month waiting period – Budget $25,000 – unexpected – Smart |
6 month waiting period |
| Maternity coverage | As any other illness with maternity rider added in 2cd year |
G: 80% to a maximum of $5000 in PPO H: 80% to $300,000 or $100, 00 if spouse I: 80% of $500,000 or $100,000 if spouse |
none |
PPO: 80% of eligible expenses Out of PPO: 60% of eligible expenses Newborn care: $750 |
Budget: PPO: 80% up to $5,000 Out of PPO: 60% up to $5000 Smart: none |
80% up to certificate period maximum within the PPO; 60% up to certificate period maximum outside the PPO |
| Coverage location |
Available in licensed states |
Available to students in most states |
Anywhere in the US. Throughout the world Incidental trip home – 2 wks |
Anywhere in US and throughout the world Incidental trip home 2 weeks |
Anywhere in the US
Incidental Home country coverage 15 days every 3 months, does not accumulate |
Anywhere in the US Incidental Home country coverage 15 days every 3 months, does not accumulate |
| Medical Facilities, Doctors, and Hospitals to use |
Use network facilities in U.S. (Aetna or BlueCross/Blue Shield depending on the State) |
Any in the US Best to use the PPO network on your card |
Any in the US Best to use the First Health network for PPO |
Any in the US Best to use the First Health network for PPO |
Any in the US Best to use First Health Network |
Any in the US Best to use First Health Network |
| Accidental Death & Dismemberment | $10,000 | $25,000 | $25,000 | $25,000 | none | $25,000 |
| Medical Evacuation | Up to $250,000 | Included in maximum | $500,000 | $500,000 |
Up to policy limit – Budget $50,000 – Smart |
Up to policy limit |
| Return of Mortal Remains | $25,000 | $50,000 | $50,000 | $50,000 | $25,000 |
$50,000 – Elite $25,000 – Select |
| Emergency Reunion | $750 | $50,000 | $50,000 | $50,000 | $1,000 | $5,000 |
| Medical treatment arising from participation in intercollegiate | As any other illness | $5,000 per Injury/Illness (non-contact sports) | $5,000 per Injury/Illness | $5,000 per Injury/Illness |
$3,000 per Injury / Illness – Budget None – Smart |
$5,000 per Injury / Illness |
| Outpatient Rx |
Rx discount card, reimbursable up to $5000/year |
Outpatient: $10 for Generic $20 for Brand |
Inpatient: URC Outpatient: 50% of actual charges |
Inpatient: URC Outpatient: 50% of actual charges |
Outpatient: 50% of actual charges – Budget None – Smart |
Elite: 80% of actual charges Select: 50% of actual charges |
| Terrorism Coverage | Yes | $50,000 | $50,000 lifetime | $50,000 lifetime | $50,000/Budget Smart: none | $50,000 |
| Political Evacuation | None | $50,000 | $10,000 lifetime | $10,000 lifetime | None | None |
| Universal Rx Pharmacy Discount Savings | Yes | Yes | Yes. Up to 35,000 participating pharmacies in the US | Yes. Up to 35,000 participating pharmacies in the US | None | None |