Stanford University International Student Health Insurance

Stanford University requires all International Students and scholars on J-1 visas to carry health insurance for themselves and their J-2 dependents for the full duration of their J program.

Hundreds of thousands of students and other educational professionals travel internationally each year, which is why “Student Travel Insurance” plans are so important.  Many are now choosing to waive the school plan in favor of a more comprehensive less costly International plan which provides better access to care in the U.S. and outside the U.S. if you happen to travel back to your home country or to a different country while on winter or summer break.

• View Brochure
• Quote or Apply Online

The Minimum benefits are …

• Medical benefits of at least $50,000 per accident or illness.
• Repatriation of remains in the amount of $7,500.
• Expenses associated with the medical evacuation of the exchange visitor to his or her home country in the amount of $10,000.
• A deductible not to exceed $500 per accident or illness.
• If a particular activity is a part of your Exchange Visitor program, your insurance must cover injuries resulting from your participation in that activity.
• The policy may establish a waiting period before it covers pre-existing conditions (health problems you had before you bought the insurance), as long as the waiting period is reasonable by current standards in the insurance industry.
• The policy must be backed by the full faith and credit of your home country government or the company providing the insurance must meet minimum rating requirements established by DOS (an A.M. Best rating of “A-” or above, an Insurance Solvency International, Ltd. (ISI) rating of “A-i” or above, a Standard & Poor’s Claims-paying Ability rating of “A-” or above, or a Weiss Research, Inc. rating of B+ or above)

Stanford University does offer a student plan through Health Net Insurance company, although it does not provide coverage for “Medical Evacuation” to your home country or “repatriation of remains.”

• Stanford annual premium of: $3,384 U.S. dollars.
• Comprehensive International Health Insurance plan annual premium: $1,252.  Which also includes; medical evacuation and repatriation of remains.

• Brochure
• Premiums

Take it with you …

A typical school health insurance plan will not provide much coverage if you return to your home country for a visit(s).  Or, if you decide to travel internationally over the holidays.  An international health insurance plan provides quality health insurance coverage regardless of where you go.

Eligibility …

All international citizens studying, traveling, working and living abroad who are age 12 and older.

How to Enroll …

Simply complete the paper application or enroll on-line.  If using the paper application please fax or scan & email back to me, I will make sure the process is quick and accurate with the effective date you require.

Please feel free to contact me anytime, I will be happy to answer all of your questions.

John Conner
john@JohnConner.com
916-682-1117 – phone
916-258-0296 – fax

HTH Global Citizen International Health Insurance

Ideal for the “Long-Term” International Traveler

The HTH Global Citizen travel medical insurance plan is ideal for the “global-traveler” who is a U.S. citizen, or International citizen, traveling, living or working abroad on a long-term basis.  The policy is annual renewable which offers comprehensive major medical coverage inside and outside the U.S.

Two Plans to Consider …

Global Citizen allows coverage both in and outside of the U.S.   If  you only need coverage outside the U.S. you can save with the Global Citizen EXP plan for coverage worldwide except the U.S.

The HTH Global Citizen is the only international health policy that is administered using HIPAA guidelines and meets all U.S. mandates for health insurance.  HTH also offers the security of a US underwriter and administrator (BCS Insurance Services) that has met the standards of state regulators and thus features coverage more generous than plans sold as non-admitted surplus-lines carriers many times off shore.

• Brochure & Application with Rates

Emergency Evacuation and Centers of Excellence …

HTH coordinates emergency services with a worldwide network of contracted Physician Advisors as well as air ambulance operators selected for their safety records.  Members in need of life-saving medical intervention are treated in Centers of Excellence in the U.S. and around the world whenever possible.

Key Benefits …

• Around the clock Assistance Call Center.
• Free to access care “in and outside” the U.S.
• Pre-existing condition exclusion can be waived with proof of prior creditable coverage.
• Strength of a U.S. Regulated Insurer.
• 3 tiers of coinsurance: 100% outside the U.S.; 80% in-network in the U.S.; 60% out of network in the U.S.
• Unlimited Lifetime Maximum coverage.
• $250,000 benefit for emergency medical evacuation.
• Full “major-medical” plan; doctor visits, annual physical and screenings, Surgery, lab & X-ray, radiology, ambulance, acupuncture & chiropractic, hospital/inpatient coverage, physical therapy, mental health, prescription drugs, home health care, immunizations, medical equipment, private duty nurse … please see the brochure for complete benefit outline.

Pre-Existing Conditions …

The Global Citizen plan does not cover services for treatment of a medical condition for which medical advice, diagnosis, care, or treatment was recommended or received during 180 days (6 months) immediately preceding the members eligibility date.

Creditable Coverage … The 180-day pre-existing conditions period can be reduced or eliminated if you have been covered by a creditable group or individual health insurance plan.

Licensed & Admitted … This policy is a U.S. Admitted plan and affords members unique protections not available on most “offshore” plans.

Eligibility …

All U.S. citizens living abroad who are 74 or younger  -  All legal residents of the U.S. (citizens and foreign nationals) up to age 74  -  An employee of a U.S. company and the company pays the insurance premium.

Renewal …

If your policy is due to renew, you will be notified of your new plan rate at least 30 days prior to your policy expiration date.  You must confirm your new policy rate in writing or by accepting the rate when logged into our secure website.  Plan rates are based on age, and you will NOT be asked any medical questions and your personal health history will not determine your new rate.  Global Citizen rates are standard rates for all members re-enrolling.

Effective Date …

The 1st or 15th of the month following the approval date of the application.

Enroll …

To enroll in the HTH Global Citizen plan, this can be done with a paper application or online.  If you choose a paper application once finished please fax or scan and email back to me.  Online applicants simply follow the link below.  When either enrollment process is complete, I will keep you informed of any missing or needed information to complete the application process.

• Benefit Brochure
• Application – paper
• Application – On-Line

Please feel free to contact me anytime, I will be happy to answer all of your questions.

John Conner
www.JohnConner.com
john@johnconner.com
916-682-1117 – phone
916-258-0296 – fax

Expat International Health Insurance

When traveling to, or living in a new Country, you will most likely need to have an International Health Insurance policy in place in order to keep your work visa, student visa, spouse visa or immigrant visa valid.

There are many quality companies which provide International Health insurance for all sorts of travelers visiting and living away from their home country.  A couple you will want to compare are HTH Worldwide (Rates & Benefits) which is an American company providing International Health Insurance plans to travelers in every country.  The other is; Seven Corners (Rates & Benefits), they also are a global carrier with comprehensive coverage coupled with competitive rates for Students, Business travelers, Missionaries and Individuals and Families working, traveling and living abroad.  Flexibility to cover you and your families unique needs.

Plan Type …

• Short-Term – 5 days to 6 months.
• Long-Term – 6 months to several years.
• Benefit Maximum – Up to Unlimited.
• Deductible options – $0, $250, $500, $1,000, $2,500, $5,000, $10,000, $25,000
• Emergency Evacuation – up to $250,000 annually.
• Comprehensive coverage – up to 100% after deductible.
• Low premium plans.
• Richer Benefits – Emergency, routine treatment, terrorism, pre-existing conditions and more…

Traveling Far from Home …

You are now halfway around the world, maybe in a part of the world which you are not familiar with how to access health care.  This is why you need a partner to help you along the way if your suddenly encounter a serious illness or accident.

Questions you should ask yourself …

• How do you access care?
• Do you go to the public clinic or hospital, or are the private doctors a better choice?
• How do I find the right doctor?
• How do I communicate if the Doctor or staff do not speak my language?
• You are taken to an unfamiliar facility after an auto accident, what now?
• A terrorist attack, or bombing while sitting in a cafe, what if I’m hurt?

Your Health Care Partner …

All policies are not made equal.  Make sure your benefits include coverage for; a terrorist act, emergency evacuation to receive proper medical attention.  A company who meets rigorous U.S. insurance laws, translating to enhanced consumer rights.  You don’t want an “off-shore” insurer with few consumer regulations.  You also want 24/7 toll free call center to assist you with everything from routine requests, to emergencies.  The HTH staff have years of experience with international medical assistance and has close working relationships with it’s international provider community.

International Health Insurance plans come in all shapes and sizes.  Make sure the plan you enroll in will meet your needs while living, traveling, studying or working abroad.  The right company and plan can turn a frightening situation in a foreign land into one you are thankful for the choices you made before you left home.

Please feel free to contact me anytime with questions.

John Conner
john@johnconner.com
twitter: @John_Conner
916-682-1117 – phone
916-258-0296 – fax

Student International Medical for Chinese in the U.S.

Hundreds of thousands of students and other educational professionals travel internationally each year, which is why “Student Travel Insurance” plans are so important.

Are you a Chinese student traveling to the U.S. for education?  Or, a U.S. student traveling to China for a semester or for several years?  If so you will need to look into an International Health insurance policy which will cover you regardless of where you are for your medical expenses if in an accident or become ill while outside your country of residence.

To protect against unforeseen events that could result in long-term financial hardship, Seven Corners Insurance Company has established a medical travel insurance program to fit the needs of international students, teachers and faculty.

• Quick Quote – International Student Travel Insurance

Many people falsely believe that their existing health insurance policy will cover them worldwide.  This is not usually the case.  Confirm what coverage, if any, your current insurer provides in China.  Likewise for a person coming to America from another country, in most situations you will need an International Travel health policy in place when you arrive in the U.S.

Whether you are a foreign national studying in the United States for several years or a U.S. citizen studying abroad, “Seven Corners” is designed to protect you during your time away from home.

Why Choose Seven Corners …

• Seven Corners has been providing international medical insurance to citizens of all countries since 1993.
• Student Plans and benefits are specifically designed and priced for international students.
• 24 Hour Assistance Service is ready to assist in locating proper medical care when you are traveling away from home.

Coverage Period …

5 days up to several years.  Additional coverage time, see “Continuing Coverage” section in the brochure.

Emergency Evacuation … (Very Important coverage)

Emergency Medical Evacuation or Repatriation means: a) your medical condition warrants immediate transportation from the place where you are located (due to inadequate medical facilities) to the nearest adequate medical facility where medical treatment can be obtained; or b) after being treated at a local medical facility, your medical condition warrants transportation with a qualified medical attendant to your Home Country to obtain further medical treatment or to recover; or c) both a) and b) above.

Great Service …

Working in multiple time zones, languages and with numerous currencies are not obstacles for us at Seven Corners.  We maintain an international staff or our international client base.  Our claims specialists and multilingual customer service professionals work seamlessly with you in order to communicate without any issues.

International Network of Doctors …

Seven Corners has access to over 12,000 doctors and hospitals worldwide.  With one phone call, we can assist you in locating a physician in order to receive the care you need. Additionally, Seven Corners Assist is trained to reach outside of our network in order to locate the care you need as quickly as possible.

U.S. Network of Doctors – Foreign Nationals visiting the U.S. …

When you are in the United States, you have the ability to use any medical provider / facility of your choice.  Seven Corners Assist does, however have a list of recommended providers / facilities for you to use.

• International Student Health Insurance Quote

Enrollment is Easy …

View Quotes, Enroll Online or print an application.

• Enroll Online
• Print Application  (fax applications to: 916-258-0296, or email to: john@johnconner.com)

Please feel free to contact me anytime.  I will be happy to answer all of your questions.

Need Help of have Questions?

John Conner
www.JohnConner.com
john@johnconner.com
916-682-1117 – phone
916-258-0296 – fax

International Travel Health Insurance

HTH Worldwide is an innovator and leader in helping world travelers and global citizens stay save and gain easy access to quality health care all around the world.

What is Global Citizen …

Worldwide health insurance and services for international living.

• Rate & Benefit Chart

The Global Citizen health plan is designed to support the international lifestyle of those who travel to and from the United States for extended periods of business, leisure and study.  If you leave home for six months or more, your health and financial security are at serious risk because of significant gaps in most available insurance coverage and services.  This risk is only heightened by limited knowledge of health and safety hazards around the world, including medical treatment from unfamiliar providers.

Global Citizen is the premier international health plan because it combines comprehensive worldwide benefits with a new generation of medical assistance services, which include an impressive array of online tools used to identify, access and pay for quality healthcare around the world.

Global Citizen gives you freedom to access inside and outside the U.S. If you need benefits outside the U.S. only, explore the Global Citizen EXP plan (save 40%-50% by trimming away coverage for the U.S.).

Global Citizen Deductible Chart …

What good is insurance if you can’t find a doctor you can trust …

HTH Worldwide provides all the tools a Global Citizen needs to manage health and safety risks, including finding the right doctor and clearly communicating your medical condition.

Customize you medical insurance plan to suit your international living needs with Global Citizen.  Define your deductible, pick your prescription level, choose your doctor or hospital anywhere in the world: in or out of our elite network of providers.

• Deductible is waived for office visits with doctors.
• No waiting periods associated with preventive services.
• No pre-certification required except for transplants.
• Can be kept upon return home / no time limits in the U.S.
• Pre-existing condition waiting period can be eliminated with proof of prior creditable coverage.

Rate & Benefit Chart

Global Citizen has three tiers of coinsurance: 100% outside the U.S., 80% in network in the U.S., 60% out of network in the U.S.  All Global Citizens plans have Unlimited Lifetime Maximum coverage and a $250,000 maximum benefit for emergency medical evacuation.

mPassport – the most extensive health and safety resource available!

Travelers and expatriates need more than insurance – they need information and services to keep them healthy and safe.  With the purchase of any of HTH’s Insurance products, you receive access to Global Health and Safety services.

Here are the services – click below for more information, or view the Global Health Tour.

• Access to the HTH Physician Community, available in more than 180 countries.  Find a pre-qualified, English-speaking doctor in your destination.
• Access to CityHealth Profiles, which contain critical healthcare information, including vaccination requirements and emergency listings, for more than 590 destinations.
• Access to Security Profiles, which include up-to-date information about terrorism, kidnapping and political stability.
• Access to the HTH Drug Translation Guide.  Medications are given different brand names around the world – our guide will help you find the drug you need.
• Access to the HTH Medical Phrase and Terms Translation Guides.  If you require medical care while traveling, HTH’s medical phrases/terms translation tools will help you communicate clearly with the doctor, nurse or pharmacist.
• Appointment Scheduling and Direct Pay.  Using the web, mobile device or the telephone, members can request appointments within the HTH International Provider Community.  When utilizing Direct Pay, HTH Worldwide pays the participating providers directly.

Global Citizen Advantages over Competing Plans …

• Covers illnesses and injuries that are a result of a terrorist act.
• No Waiting Periods associated with ‘preventive care.’
• The pre-existing condition exclusion can be waived with proof of prior creditable insurance.
• No pre-certification required.
• Deductible is waived for office visits to HTH participating providers outside the U.S.
• No Limit of time spent in or outside the U.S.
• Direct billing arrangements with close to 1200 facilities outside the U.S.
• No surcharge for monthly billing.

Strength of a U.S. Regulated Insurer …

Global Citizen is underwritten by a U.S. admitted insurer.  BCS Insurance Company, rated A- (excellent) by A.M. Best.  Global Citizen protects your rights by meeting U.S. standards and features benefits more generous than off-shore, non-admitted “surplus coverage.”

Enrolling is Easy …

• Apply online
• Paper Application

Please feel free to contact me anytime, I’ll be happy to answer all of your questions.

Need Help or have Questions?

John Conner
www.JohnConner.com
john@johnconner.com
916-682-1117 – phone
916-258-0296 – fax

Santa Monica College International Medical Insurance

Santa Monica College is one of the most popular California Community Colleges for “International Students.”  They are considered the number 1 transfer school to USC, UCLA and Loyola Marymount University.

Located less than two miles from the beach on the west side of Santa Monica, they have an academic reputation as one of the best community colleges in the U.S.  With a world-class faculty, internet access around the campus and modern classrooms with the latest technology, Santa Monica College provides a second to none education, great transfer access to some of the finest universities in the U.S. and a location envied by many.

International student from around the globe enjoy the benefits of Santa Monica College Intensive English Program (IEP) and more than 60 academic degree programs.

One important item you will need along with a valid visa is a sound and secure “International Health Insurance Policy.”  Health care in the United States can be very expensive, and is a federal law that every international student have an in-force health insurance policy meeting at least minimum benefit requirements.

There are two types of plans you will want to review.  First is the Student Plan or Short-Term policy which is typically a policy in force for less than one year.  The other, an International Traveler or Long-Term policy is a policy which will stay with you for through out your stay while in school, up to 5 years.

Make sure your policy will cover you if you travel to another state or country while on school summer or winter break.  Many plans will not.

HTH Worldwide Plans …
An “admitted U.S. Insurance company (A Rated) located in the United States, not Off-Shore, with access to over 700,000 physicians in the U.S. with online search. 

• Quick Quote (Student Plans & Long-Term International Traveler)
• View All HTH Worldwide Plans

Who is Eligible …

Any international citizen traveling to the U.S. for study, business or living purposes.

Enrollment is Easy …

Simply apply online or print and fax the application to: 916-258-0296 or scan and email.  I will notify you when the application has been received and issued.

I’m sure you have questions, please feel free to contact me anytime.

Regards;

John Conner
www.JohnConner.com
john@johnconner.com
916-682-1117 – phone
916-258-0296 – fax

UC Davis International Health Insurance

University of California Davis … Meeting J-1 and J-2 Visa Health Insurance Requirements.

United States Federal regulations require all J Visa holders to carry health insurance throughout the time you are in the ‘Exchange Visitor Program’ as a condition of maintaining legal status.  The University of California University system has a health insurance plan called: UC Ship, which meets the minimum J vista requirements.  The University SHIP plan includes hospital and outpatient doctor services along with a prescription plan.

There are many “Student” and “Long-Term” International Health Insurance plans available for the International Students entering school or work in the United States, which provides greater coverage and better access to a higher number of physicians and hospital for the same premiums or less.

• Quote
• Brochure & Application
• Compare International Medical Plans

Should you Buy Health Insurance Before arriving at UC Davis?

Many UC Davis students take advantage of enrolling is their own private health insurance plan which allows them more choice of physicians and hospitals throughout the United States, along with a plan which can be renewed for several years if you are attending school in the U.S. for longer than one year.  Many students will enroll in a “Seven Corners” health insurance policy and keep it for the entire time they are in school, two, three, four years and even longer.

If you enroll in your own Health Insurance plan you do not have to enroll in the UC Davis SHIP plan.  You can submit a waiver as your proof of insurance, and you do not have to pay the SHIP fee.

Traveling to different parts of the U.S., or visiting different countries during summer break?  Take the “Seven Corners” policy with you and have the peace of mind knowing that in the event of an accident or sudden illness you will be covered with a sound health insurance policy, wherever you may be.

Seven Corners International Health Insurance Policy …

• Benefit Period: 5 days up to 12 month – renewable up to 3 years.
• Medical Maximum (your choice):  $60,000, $125,000, $600,000, $1,000,000.
• Deductible (your choice): $0, $100, $500, $1,000, $2,500.
• Coinsurance: inside the United States and Canada: After you pay the deductible, the program pays 80% of the next $5,000 of eligible expenses, then $100% to the selected Medical Maximum.  Outside the United States and Canada, after you pay the deductible, the program pays 100% to the selected medical maximum.
• Hospital Indemnity: $150 / night, up to a maximum of thirty (30) days (traveling outside the U.S. and Canada).
• Emergency Medical Evacuation / Repatriation: $300,000 in addition to the Medical Maximum.
• Return of Mortal remains: $50,000
• Political Evacuation and Repatriation: $50,000
• Emergency Reunion: $50,000
• Return of Minor Child(ren): $50,000
• Interruption of Trip: $5,000
• Loss of Checked Luggage: $250
• Local Ambulance expense: $5,000
• Hospital Room: Reasonable and customary to the selected Medical Maximum.
• Intensive Care: Reasonable and customary to the selected Medical Maximum.
• Outpatient Medical expenses: Reasonable and customary to the selected Medical Maximum.
• Terrorism: Reasonable and customary to the selected Medical Maximum.

Effective Dates …

Coverage will start on the date requested in the enrollment form or the date the enrollment form and fees have been received by Seven Corners, whichever is later.  Coverage is effective 24 hours a day worldwide.  Coverage will commence at 12:01 a.m. on the effective date, and terminate at 11:59 p.m. on the last day of coverage.

Enrollment is Easy …

To enroll in this program, simply complete the attached enrollment form and fax it or scan and email to the address below.

Please feel free to contact me anytime with questions.  I’m here to help.

Thank you;

John Conner
www.JohnConner.com
john@johnconner.com
916-682-1117 – phone
916-258-0296 – fax