What Is Comparable Coverage?
In order to be considered comparable coverage, a student’s health plan must meet the following seven specific requirements for 2019-2020
- The plan is provided by a company licensed to do business in the United States with (a) a U.S. claim payment office, (b) a U.S. telephone number, (c) plan literature available in English, and (d) benefits provided in accordance with the Affordable Care Act (ACA). The following programs do NOT qualify as comparable coverage:
- Travel insurance does NOT qualify. Travel insurance is in effect for a short period of time (60-90 days, for example) and is designed for brief trips.
- Reimbursement programs of any kind do NOT qualify, including reimbursement arrangements or vouchers from home governments or their U.S. based consulates.
- The plan provides both in-patient care and outpatient care (including visits for behavioral health care) within a 75-mile radius of the Charlottesville area. Coverage for emergency-only care does NOT satisfy this requirement.
- The plan provides unlimited coverage for major medical benefits per sickness or injury. Insurance that fails to cover or limits coverage for pre-existing conditions is NOT acceptable.
- The coverage will remain in effect for all semesters in which the student is enrolled for the 2018-2019 academic year.
- You will be held financially responsible for payment of all charges not covered by your health insurance plan.
- The plan provides a minimum of $10,000 in coverage for repatriation/medical evacuation to my home country or return of mortal remains. If you have a parent or spouse who lives in the United States and will assume financial responsibility for any such costs, you may waive out of this requirement provided you are not a J-1/J-2 visa holder.