Compare ExchangeGuard Insurance Plans

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ExchangeGuard is a very popular insurance plan for exchange visitors and international students studying, teaching, or researching in the U.S.

There are two ExchangeGuard 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
Comprehensive
Comprehensive
US - Within PPO/Outside US: After deductible, pays 100% to policy maximum; or After deductible, pays 80% to policy maximum. Otherwise: After deductible, plan pays Usual, Reasonable and Customary to policy maximum.
To policy maximum
ExchangeGuard® Essential
Comprehensive
Comprehensive
US - Within PPO/Outside US: After deductible, pays 100% to policy maximum; or After deductible, pays 80% to policy maximum. Otherwise: After deductible, plan pays Usual, Reasonable and Customary to policy maximum.
To policy maximum

Medical - Outpatient

To policy maximum
US-Urgent Care/Walk-in Clinic: Deductible waived, $15 copay; unless $0 deductible. Co-insurance still applies. Outside US: No copay.
To policy maximum In US: Extra $250 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, $15 copay; unless $0 deductible. Co-insurance still applies. Outside US: No copay.
To policy maximum In US: Extra $250 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 Treatment And Services

90 days
Standard basic hospital bed and/or standard wheelchair rental up to purchase prices
Recreational: Included
To policy maximum, if covered injury/illness results in hospital admission.
Only the complications of pregnancy, during first 26 weeks of pregnancy.
-
-
-
Physical Therapy: $50 per day

Must be ordered in advance by physician.
United Healthcare PPO
Network of physicians, hospitals, urgent cares, labs and other healthcare providers.
No network for pharmacies, dentists, ambulance.
After 6 month waiting period, $500 per certificate period.
-
-
-
-
Included
90 days
Standard basic hospital bed and/or standard wheelchair rental up to purchase prices
Recreational: Included
To policy maximum, if covered injury/illness results in hospital admission.
Only the complications of pregnancy, during first 26 weeks of pregnancy.
-
-
-
Physical Therapy: $50 per day

Must be ordered in advance by physician.
United Healthcare PPO
Network of physicians, hospitals, urgent cares, labs and other healthcare providers.
No network for pharmacies, dentists, ambulance.
After 12 month waiting period, $500 per certificate period.
-
-
-
-
Included

Dental

$300 - Not subject to coinsurance
To policy maximum
$300 - Not subject to coinsurance
To policy maximum

Travel

$10,000
$50 per item, $1,000 maximum
$50,000
$100,000, maximum of 15 days
$1,000,000
To policy maximum
$5,000
$100,000
$10,000
$50 per item, $1,000 maximum
$50,000
$100,000, maximum of 15 days
$1,000,000
To policy maximum
$5,000
$100,000

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

For every parent insured, one child under age 10 years is free. Maximum 2 children free.
Incidental: 30 days per 3 month period
$100 per day
-
$250 per day, 5 day maximum
$25,000
$50,000 Eligible medical expenses only
Outside Home Country
For every parent insured, one child under age 10 years is free. Maximum 2 children free.
Incidental: 30 days per 3 month period
$100 per day
-
$250 per day, 5 day maximum
$25,000
$50,000 Eligible medical expenses only
Outside Home Country

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.
5 days up to 1456 days
$0
Travel Delay of 12+ hours and unplanned overnight stay - $100/day, 2 days maximum. Emergency Eye Exam - $50 per incident deductible, $150 maximum (plan deductible waived). Bedside Visit: $1,500 Pet Return: $1,000 Crisis Response: $10,000 Loss of Passport or Travel Documents: $100
Email
Postal Mail
Courier
Varies
$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
Lloyd's
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.
5 days up to 1456 days
$0
Travel Delay of 12+ hours and unplanned overnight stay - $100/day, 2 days maximum. Emergency Eye Exam - $50 per incident deductible, $150 maximum (plan deductible waived) Bedside Visit: $1,500 Pet Return: $1,000 Crisis Response: $10,000 Loss of Passport or Travel Documents: $100
Email
Postal Mail
Courier
Varies
$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
Lloyd's
  • Home country - If you are a U.S. citizen, your home country is the United States, regardless of the location of your principal residence. If you are not a U.S. citizen, your home country is where you principally reside and receive regular mail.
  • 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).

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