Military Student Medical Plan

From SevenCorners

Available for up to 364 days, International Military Student Plan is a comprehensive medical plan that meets all DSCA medical policy requirements for incoming military students and their families.

Quote & Buy Military Student

International Military Student Plan

The Military Student Medical plan is offered exclusively by InsuranceQuest.com and is designed to provide short term coverage to foreign military students and dependents in the USA on A or B visas. Coverage on this plan is available for up to 364 days of continuous coverage.

The coverage on the Military Student plan has been designed to meet all DSCA medical policy requirements, providing comprehensive coverage for officers/students and their dependents. Each participant must have a health insurance plan that meets all DSCA medical policy requirements covering complete dates for their period of time in the United States, and this plan has specifically been designed to meet those requirements.

Minimum Requirements for Medical Insurance

  1. Medical maximum benefits of at least $400,000.00 per person per year
    *For IMS whose dependents have an RCHA the required amount for the medical maximum has been reduced to $50,000 for dependents stationed at NDU. Also, please note that the RCHA no longer covers the IMS and now only covers authorized dependents of the IMS
  2. The deductible must be at least $0-100 per dependent and should not exceed $1000 total for entire family.
  3. . Repatriation of remains in the amount of $50,000 should a death occur in the U.S.
  4. Medical evacuation in the amount of $250,000 (per individual) in the event insured must be returned to his/her home country due to a serious medical condition.
  5. Insurance must pay benefits to a Department of Defense medical facility, if appropriate.
  6. Health insurance policy must be in English, recognized as an international company, and have a POC / office in the United States.
  7. Pregnancy cannot be insured. Students with accompanying spouses are not required to have pregnancy coverage; however, the below stated rules apply if a wife becomes pregnant.

*Students will be required to sign a Pregnancy Acknowledgement Form, agreeing to the statement below

The medical insurance policy for dependents needs to be in effect for the duration of their stay in the U.S. and must meet the requirements listed above.

Pregnancy Regulations

Family Members who are pregnant prior to departure from home country must present proof of complete pregnancy coverage in order for them to be authorized as an accompanying dependent on the ITO.

  1. If a Family Member becomes pregnant while at NDU, the international officer will notify the International Student Management Office immediately.
  2. SATFA and US Embassy in home country will be notified of pregnancy. Home country will be requested to guarantee payment of all medical costs associated with the pregnancy.
  3. Family Members who become pregnant while at the NDU and DO NOT have pregnancy insurance (or coverage by foreign government) will be directed to return to home country as soon as possible after determination of pregnancy is made; typically within 10 days of first notification.
  4. Authorized family members for whom pregnancy IS NOT covered by the country, must have pregnancy insurance which covers pre and post-natal care, as well as delivery, unless ITO specifically states foreign government will pay all costs related to that pregnancy and delivery.
    • Pregnancy and childbirth coverage is not usually included in insurance policies purchased less than 12 months in advance, and is generally very expensive.
    • Pregnancy is considered a pre-existing condition and is not available for purchase after an IMS or dependent is diagnosed as being pregnant. For these reasons, pregnant dependent will be required to return home, if country does not indemnify associated cost.

Eligibility

Eligible individuals may also purchase coverage for their eligible dependents. An eligible spouse shall be defined as the Primary Insured’s legal spouse. An Eligible Dependent Child shall mean the Primary Insured Person’s unmarried children over fourteen (14) days and under nineteen (19) years of age. This coverage does not require the student to be covered on the policy.

It is the Insured Person’s responsibility to maintain all records regarding travel history, age and provide any documents to the Administrator, which would verify Eligibility Requirements.

Effective Date of Coverage begins on the latest of the following:

  1. The date and time the Company receives a completed application and plan cost for the Period of Coverage; or
  2. The Effective Date requested on the application; or
  3. The moment You depart Your Home Country; or
  4. The date the Company approves the application.

Expiration Date of Coverage terminates on the earlier of the following:

  1. Your return to Your Home Country (except as provided under the Home Country Coverage); or
  2. The expiration of 364 days from the Effective Date of Coverage; or
  3. The date shown on the ID card; or
  4. The end of the period for which plan cost has been paid; or
  5. The date You fail to be considered an Eligible Person; or
  6. The maximum benefit amount has been paid.

About International Military Student Policy:

This policy is offered exclusively through CDA Insurance LLC.

Policy and claims administration to be provided by:
Seven Corners, Inc.
303 Congressional Boulevard
Carmel, IN 46032
800-335-0477
FAX 317-575-2870

International 24 hour assistance services provided by:
Seven Corners Assist
Carmel, IN USA
Refer to group number (assigned when policy is issued) when calling
If in the United States or Canada: 1-800-690-6295
If outside the United States or Canada: 0-317-818-2808 (collect)

THE UNDERWRITER
The Group Plan is underwritten by Certain Underwriters at Lloyd’s, London. As the largest insurance entity in the world, Lloyd’s has earned an A (Excellent) rating from AM Best and an A+ (Strong) rating from Standard and Poors.

Patient Protection and Affordable Care Act

(“PPACA”): This insurance is not subject to, and does not provide certain of the insurance benefits required by, the United States PPACA. PPACA requires certain U.S. residents and citizens to obtain PPACA compliant insurance coverage. In certain circumstances penalties may be imposed on U.S. residents and citizens who do not maintain PPACA compliant insurance coverage. You should consult your attorney or tax professional to determine if PPACA’s requirements are applicable to you. The policy contains the plan benefits, including a lifetime maximum that you have selected. Please review your choices to ensure that you have sufficient coverage to meet your medical needs.

InsuranceQuest.com is a web site from CDA Insurance LLC. CDA Insurance LLC is not an insurance carrier, we are an agency that represents many companies offering products to the general public. We do our best to assure that all information presented on our web site is current and accurate. The information and suggestions on our site are intended for informational purposes only, and we expressly disclaim any representations or warranties, express or implied, regarding the accuracy of such information.

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