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 Bloomfield College  제휴 보험에 대해서 설명을 해 두었습니다

General Information about your Health Insurance

What is the PPO Network? A Preferred Provider Organization Network is a list of doctors that your plan has preapproved.
IN PPO PLAN LIMITS: Physician Office Visits -100% of reasonable expenses after $15 copayment per visit.
Outside PPO PLAN LIMITS: Inpatient Hospital Services, Hospital and Physician Outpatient Services – 100% of reasonable expenses after $50 copayment per visit.
PRESCRIPTION: Students will pay for the prescription and then submit a claim form for a 50% reimbursement.
Your Health Insurance coverage begins on the first day of classes.
Your Health Insurance for the spring term will cover you during the summer.
TIP: Since you do not have dental or optical coverage, it’s best to take care of this when in your home country.

학교제휴 보험의 단점

1.보험료가 $1,008 비싸다

2.IN PPO에서 $15의 고객 부담금이 있다

3.Outside PPO $50 copayment(고객부담금)이 있다

4.약값에 50%만 보상이 된다

에이스 보험가입시 고객부담금이 전혀 없다

Health Insurance

For J-1 Students: According to J-1 visa regulations, all students, scholars, and their J-2 dependents are required to have health insurance that meets the following requirements set by the U.S. Department of State:

1) Major medical benefits must be at least $50,000 for each accidental illness.

2) The repatriation benefit must be at least $7,500.

3) Medical evacuation must be covered for at least $10,000.

4) The deductible for each accident or illness may not exceed $500.

5) The policy may not unreasonably exclude coverage for perils inherent to the activities of the exchange program.

For F-1 Students: F-1 international students that live in Bloomfield College housing are required to purchase health insurance through Bloomfield College. The cost of health insurance is $1,008 per year. A registered nurse or doctor is available in the Health Services Office during the academic year. The college doctor will prescribe medication if need be. If a problem exists that lies outside the Health Services level of service, you will be referred to a local doctor covered on the insurance plan. For urgent, after-hours health care needs that do not require emergency room treatment, students may visit the Immedicenter.

보상하지 않는 손해

     1  . 기왕증(보험가입 이전에 가지고 있던 질환이나 신체적 장애의 치료 및 검사를 목적으로 발생한 비용) 
     2. 임신, 출산과 관련된 비용
     3. 단순 건강 검사를 목적으로 하는 비용(시력 검사 및 건강 검진) 
     4  .예방접종비용 (학교 입학시 Immunization 포함) 

  5. 정신과 질환/행동장애

  6.  HIV(에이즈)

  7.  비뇨기계장애(요로결석)

  8.  비뇨기과 질환중N39 또는 요실금