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================== Minimum Health Insurance Standards ========================
- A maximum benefit of at least $200,000 (U.S.) per accident or sickness per policy year OR a lifetime maximum of at least $500,000
- No exclusion for pre-existing conditions or a plan that has been in force long enough to meet any required waiting time for coverage of pre-existing conditions.
- Coverage for all medically necessary care, including in-patient and out-patient care, both routine and emergency care in the Baltimore Metro Area. (Plans that include emergency care only do not satisfy this requirement.)
- A maximum deductible of $500 (U.S.) per policy year
- Prescription drug coverage of at least $2000 (U.S.) per policy year
- Coverage for reproductive health care, including contraception, pregnancy and maternity care (females only)
- Coverage for in-patient and out-patient Mental Health care, including treatment for substance and alcohol abuse
- A Medical Evacuation benefit (to return you to your country of residence if you are seriously ill) of at least $25,000 (US)
- A Repatriation benefit (in case of death, to return your remains to your country of residence) of at least $10,000 (US)
- No exclusions for injury sustained as a result of a covered motor vehicle accident, a suicide attempt, alcohol or drug use.
- No maximum daily limit on inpatient hospitalization and intensive care services
- No maximum limit on outpatient services, including diagnostic lab and x-ray tests
- Provided by a company licensed to do business in the United States with a U.S. claims payment office and a U.S. phone number.
- Proof of plan coverage for the full academic year (September through May) or for as long as you remain in the U.S., including summers; exceptions will be made for students entering or graduating mid-year
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