(562) 644-3036
Kumar Insurance Services
(562) 644-3036
Compare los Planes de Seguro ExchangeGuard
ExchangeGuard es un plan de seguros muy popular para visitantes de intercambio y estudiantes internacionales, estudiando, enseñando, o investigando en los EE.UU.
Hay dos opciones de planes ExchangeGuard de donde se puede escoger: Essential y Choice. Los planes difieren en términos del precio y prestaciones ofrecidos.
Estos dos planes son similares, pero tienen diferentes periodos de espera para la cobertura de condiciones preesxistentes.
Revise esta comparación detallada para ver fácilmente las diferencias entre los dos planes.
General
Médico - Ambulatorio
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
Médico - Hospitalario
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
Médico - Otros tratamientos y servicios
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.
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-
-
Physical Therapy and Chiropractic Care: $500 maximum.
United Healthcare PPO
Red de médicos, hospitales, centros de urgencias, laboratorios y otros proveedores de servicios de salud.
No hay red de farmacias, dentistas, ambulancias.
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 and Chiropractic Care: $500 maximum.
United Healthcare PPO
Red de médicos, hospitales, centros de urgencias, laboratorios y otros proveedores de servicios de salud.
No hay red de farmacias, dentistas, ambulancias.
After 12 month waiting period, $500 per certificate period.
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-
-
-
Included
Dental
$300
$300
$300
$300
Viaje
$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
Vida
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.
Otros
For every parent insured, one child under age 10 years is free. Maximum 2 children free.
Incidental: U.S. home country: 15 days per 3 month period. Non-U.S. home country: 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: U.S. home country: 15 days per 3 month period. Non-U.S. home country: 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
Prestaciones del plan
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 4 years
$0
Travel Delay of 12+ hours and unplanned overnight stay - $100/day, 2 days maximum.
Emergency Eye Exam - $50 per incident copay, $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 4 years
$0
Travel Delay of 12+ hours and unplanned overnight stay - $100/day, 2 days maximum.
Emergency Eye Exam - $50 per incident copay, $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
- País de Origen - Si es un ciudadano estadounidense, su país de origen es Estados Unidos, independientemente de la ubicación de su residencia principal. Si no es un ciudadano estadounidense, su país de origen es donde usted reside principalmente y recibe correo ordinario.
- Para prestaciones médicas, al máximo de póliza, se refiere a los cargos habituales, razonables y acostumbrados (URC por sus siglas en inglés). Aplican deducibles y coaseguro, a menos que se indique lo contrario.
- Siempre que haya una diferencia en los niveles de prestaciones dentro de la red PPO y fuera de la red PPO, las prestaciones indicadas anteriormente son aplicables cuando se aprovecha el tratamiento dentro de la red PPO.
- Las coberturas mostradas son por persona a menos que se indique lo contrario.
- El guión (-) en los campos arriba significa No aplicable (N/A).