Trusted health insurance that is customized for F-1 students attending a high school, college, or university in the U.S.
Not sure which plan is right for you? The Lewerglobal team is here to answer questions and help you choose coverage that fits your needs and school requirements. Reach out through our live chat or call (800) 821-7710.
爱国者交易所
学生健康福利计划
F-1 Plan
F-1 Enhanced Plan
Disclaimer: Please read disclaimer
| 计划选项 | F-1 Base | F-1 Choice | F-1 Standard | F-1 增强版 |
|---|---|---|---|---|
| 每年赔付限额 | $250,000 | $500,000 | $500,000 | $500,000 |
| 每种疾病/伤害的赔付限额 | $250,000 | $300,000 | $300,000 | $300,000 |
| 每次受伤/患病自付额 | $100 | $250 | 0 美元或 100 美元 | 0 美元或 100 美元 |
| 网络内共同保险 | 90% Insured pays 10% | 90% $1,000 Out-of-Pocket Maximum | 100% | 100% |
| 网络外共同保险 | 80% up to the maximum limit Insured pays 20% | 80% up to $5,000; 100% thereafter | 80% up to $5,000; 100% thereafter | 80% up to $5,000; 100% thereafter |
| Preventive Care (Immunizations & Annual Physical) | 不包括 | 不包括 | 最高100美元 | 最高250美元 |
| 新冠肺炎相关报道 | 与其他疾病一样，均可获得保险理赔 | 与其他疾病一样，均可获得保险理赔 | 与其他疾病一样，均可获得保险理赔 | 与其他疾病一样，均可获得保险理赔 |
| 精神及神经系统疾病的门诊治疗 | 每天50美元；上限为500美元 | 每天50美元；上限为500美元 | 每天50美元；上限为1,000美元 | 每天50美元；上限为1,000美元 |
| 精神或神经系统疾病的住院治疗 | 无每日限额；总限额为10,000美元 | 无每日限额；总限额为10,000美元 | 无每日限额；总限额为10,000美元 | 无每日限额；总限额为10,000美元 |
| 既往病史 | 12-month waiting period | 12-month waiting period | 12-month waiting period | 12-month waiting period |
| 医院急诊室——外伤 | 90% (In-Network) 80% (Out-of-Network) | 100% (In-Network) 80% (Out-of-Network) | 100% (In-Network) 80% (Out-of-Network) | 100% (In-Network) 80% (Out-of-Network) |
| 医院急诊室——疾病 | 90% (In-Network) 80% (Out-of-Network) $500 deductible if visit does not result in an admission | 100% (In-Network) 80% (Out-of-Network) $250 deductible if visit does not result in an admission | 100% (In-Network) 80% (Out-of-Network) $250 deductible if visit does not result in an admission | 100% (In-Network) 80% (Out-of-Network) $250 deductible if visit does not result in an admission |
| 校际体育、校内体育、休闲体育及俱乐部体育 | 不包括 | 每次受伤5,000美元 | 每次受伤5,000美元 | 每次受伤10,000美元 |
| 紧急医疗后送 | 最高50,000美元 | 最高500,000美元 | 最高500,000美元 | 最高500,000美元 |
| 遗体遣返 | Up to $25,000 | 最高50,000美元 | 最高50,000美元 | 最高50,000美元 |
| 紧急重聚 | Up to $15,000 | 最高50,000美元 | 最高50,000美元 | 最高50,000美元 |
| 政治性撤离与遣返 | 最高 10,000 美元 | 最高 10,000 美元 | 最高 10,000 美元 | 最高 10,000 美元 |
| 住院处方 | After deductible: N/A (In-Network) 90% (Out-of-Network) $250,000 maximum | 扣除免赔额后： 100%（网络内） 80%（网络外） 主被保险人最高赔付额为250,000美元，配偶或子女最高赔付额为100,000美元 | 扣除免赔额后： 100%（网络内） 80%（网络外） 主被保险人最高赔付额为250,000美元，配偶或子女最高赔付额为100,000美元 | 扣除免赔额后： 100%（网络内） 80%（网络外） 主被保险人最高赔付额为250,000美元，配偶或子女最高赔付额为100,000美元 |
| 门诊处方 | After deductible: N/A (In-Network) 90% (Out-of-Network) $250,000 maximum | After deductible: 100% (In-Network) 50% (Out-of-Network) $250,000 maximum for primary insured and $100,000 maximum for spouse or child | After deductible: 100% (In-Network) 50% (Out-of-Network) $250,000 maximum for primary insured and $100,000 maximum for spouse or child | After deductible: 100% (In-Network) 50% (Out-of-Network) $250,000 maximum for primary insured and $100,000 maximum for spouse or child |
| 物理治疗 | 90%, Limit 1 visit per day | 100%，每天限访问1次 | 100%，每天限访问1次 | 100%，每天限访问1次 |
| 产妇和新生儿护理 | 不在承保范围内 | 不在承保范围内 | 不在承保范围内 | 不在承保范围内 |
| 意外身故及伤残 | $25,000 | $25,000 | $25,000 | $25,000 |
| Repairs to Sound, Natural Teeth Required Due to an Injury | $500 | $500 | $500 | $500 |
| Personal Liability (Injury or Damage to Third Person) | Up to $2,000 after $100 deductible | 扣除100美元免赔额后，最高可获10,000美元赔付 | 扣除100美元免赔额后，最高可获10,000美元赔付 | 扣除100美元免赔额后，最高可获10,000美元赔付 |
| 网络 | United Healthcare | United Healthcare | United Healthcare | United Healthcare |
客户们一直对Lewerglobal的健康保险服务给予高度评价。我们在所有由教师带队的海外学习项目中都采用了他们的服务，其客户服务、价格和保险范围一直都很出色。
阿莱西奥·马佐利尼
留学协会首席运营官
There are affordable student health insurance options beyond healthcare.gov. Lewerglobal can help you explore options that fit your visa status and study plans.
There are three different ways F-1 visa students access student health insurance.
Start by checking if your U.S. school requires you to purchase coverage through their group student insurance plan. Your international student advisor or the school’s website can tell you if the plan is mandatory and whether you can waive out. This helps you avoid paying for two plans at the same time.
If you can choose to purchase your own coverage, think about what matters most to you, like your health needs, prescriptions, and how much you can afford to pay if you need care. You want to balance the monthly premium cost versus what you would pay if you submit a claim after getting sick or injured.
Finally, compare insurance options available to F-1 visa students.
The Lewerglobal team is here to help you navigate your choices, understand costs, and select a plan that fits your visa status and your time in the U.S. Call us at (800) 821-7711 or use the chat feature on our website.
Insurance and healthcare can be confusing, especially in the U.S. Visit our Insurance Definitions page for our list of the words most likely to cause confusion.
Healthcare should be easy to access. Search the UnitedHealthcare network to find doctors, urgent care centers, and hospitals near your school that are covered through Lewerglobal’s F-1 student plans.
