(562) 644-3036
Kumar Insurance Services
(562) 644-3036
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
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.
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-
-
Physical Therapy and Chiropractic Care: $500 maximum.
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.
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-
-
-
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
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.
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-
-
-
Included
Dental
$300
$300
$300
$300
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: 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
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 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
- 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).