(312)375-9438
Kiran LLC
(312)375-9438
Compare ExchangeGuard Group Insurance Plans
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ExchangeGuard Group is a very popular insurance plan for exchange visitors and international students studying, teaching, or researching in the U.S.
There are two ExchangeGuard Group plan options to choose from: Essential and Choice. The plans differ in terms of price and benefits offered.
These two plans are similar, but they have different waiting periods for coverage of pre-existing conditions.
Review this detailed comparison to easily see the differences between the two plans.
General
ExchangeGuard Choice Group
Within PPO: After deductible, pays 100% to policy maximum; or After deductible, pays 80% to policy maximum.
Outside PPO network: After deductible, plan pays Usual, Reasonable and Customary to policy maximum.
Outside US: After deductible, covers at 100% up to the policy maximum.
ExchangeGuard Essential Group
Within PPO: After deductible, pays 100% to policy maximum; or After deductible, pays 80% to policy maximum.
Outside PPO network: After deductible, plan pays Usual, Reasonable and Customary to policy maximum.
Outside US: After deductible, covers at 100% up to the policy maximum.
Medical - Outpatient
To policy maximum
US-Urgent Care/Walk-in Clinic: Deductible waived, $50 copay; no copay if deductible is $0. Co-insurance still applies.
Outside US: No copay.
To policy maximum
In US: Extra $500 copay for illness visit that does not result in hospital admission.
To policy maximum, 60 day supply per prescription.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
-
To policy maximum
To policy maximum
US-Urgent Care/Walk-in Clinic: Deductible waived, $50 copay; no copay if deductible is $0. Co-insurance still applies.
Outside US: No copay.
To policy maximum
In US: Extra $500 copay for illness visit that does not result in hospital admission.
To policy maximum, 60 day supply per prescription.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
-
To policy maximum
Medical - Inpatient
To policy maximum, average semi-private room including nursing services.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum
To policy maximum, average semi-private room including nursing services.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum
Medical - Other Treatement And Services
90 days
Same as any other eligible medical expense
Standard basic hospital bed and/or standard wheelchair rental up to purchase prices
$50 per incident copay, $150 maximum (plan deductible waived)
Recreational: Included
To policy maximum, if covered injury/illness results in hospitalization admission.
Complications of pregnancy only, during first 26 weeks of pregnancy.
-
$500 maximum
After 6 month waiting period, $500 per certificate period.
Included
90 days
Same as any other eligible medical expense
Standard basic hospital bed and/or standard wheelchair rental up to purchase prices
$50 per incident copay, $150 maximum (plan deductible waived)
Recreational: Included
To policy maximum, if covered injury/illness results in hospitalization admission.
Complications of pregnancy only, during first 26 weeks of pregnancy.
-
$500 maximum
After 12 month waiting period, $500 per certificate period.
Included
Dental
$300
$300
$300
$300
Travel
Life
Under 18: $5,000, Ages 18-64: $25,000; maximum $250,000 per family or group.
Under 18: $10,000, Ages 18-64: $50,000; maximum $250,000 per family or group.
Under 18: $5,000, Ages 18-64: $25,000; maximum $250,000 per family or group.
Under 18: $10,000, Ages 18-64: $50,000; maximum $250,000 per family or group.
Other
Included
-
$100 per day
-
$250 per day, 5 day maximum
$50,000 Eligible medical expenses only
Included
Included
-
$100 per day
-
$250 per day, 5 day maximum
$50,000 Eligible medical expenses only
Included
Plan Features
Before effective date, full refund.
After effective date, pro-rated refund minus $25 cancellation fee as long as no claims have been filed since the effective date.
30 days up to 4 years
$0
$0
Bedside Visit: $1,500
Pet Return: $1,000
Crisis Response: $10,000
Online
Postal Mail
Courier
Per Incident
$0 0-64
$100 0-64
$250 0-64
$500 0-64
Per Incident
$100,000 0-64
$250,000 0-64
$500,000 0-64
WorldTrips
TMHCC (CI) Insurance SPC Ltd (Houston Casualty Company in FL)
Before effective date, full refund.
After effective date, pro-rated refund minus $25 cancellation fee as long as no claims have been filed since the effective date.
30 days up to 4 years
$0
$0
Bedside Visit: $1,500
Pet Return: $1,000
Crisis Response: $10,000
Online
Postal Mail
Courier
Per Incident
$0 0-64
$100 0-64
$250 0-64
$500 0-64
Per Incident
$100,000 0-64
$250,000 0-64
$500,000 0-64
WorldTrips
TMHCC (CI) Insurance SPC Ltd (Houston Casualty Company in FL)
- For medical benefits, to policy maximum, refer to the Usual, Reasonable and Customary Charges. Deductible and coinsurance apply, unless otherwise noted.
- Whenever there is a difference in benefits levels within PPO network and outside PPO network, the benefits shown above are applicable when availing treatment within PPO network.
- Coverages shown are per person unless noted otherwise.
- The dash (-) in the fields above means Not Applicable (N/A).