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Compare ExchangeGuard Group Insurance Plans
ExchangeGuard Group is a very popular insurance plan for exchange visitors and international students studying, teaching, or researching in the U.S.
There are two ExchangeGuard Group 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
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
Same as any other eligible medical expense
Standard basic hospital bed and/or standard wheelchair rental up to purchase prices
$50 per incident copay, $150 maximum (plan deductible waived)
Recreational: Included
To policy maximum, if covered injury/illness results in hospitalization admission.
Complications of pregnancy only, during first 26 weeks of pregnancy.
-
$500 maximum
After 6 month waiting period, $500 per certificate period.
Included
90 days
Same as any other eligible medical expense
Standard basic hospital bed and/or standard wheelchair rental up to purchase prices
$50 per incident copay, $150 maximum (plan deductible waived)
Recreational: Included
To policy maximum, if covered injury/illness results in hospitalization admission.
Complications of pregnancy only, during first 26 weeks of pregnancy.
-
$500 maximum
After 12 month waiting period, $500 per certificate period.
Included
Dental
$300
$300
$300
$300
Viaje
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.
Otro
Included
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
$50,000 Eligible medical expenses only
Included
Included
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
$50,000 Eligible medical expenses only
Included
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
$0
Bedside Visit: $1,500
Pet Return: $1,000
Crisis Response: $10,000
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
$0
Bedside Visit: $1,500
Pet Return: $1,000
Crisis Response: $10,000
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
- Para las prestaciones médicas, hasta el máximo de la póliza, consulte a Cargos usuales, razonables y acostumbrados. Se aplica el deducible y el coaseguro, a menos que se indique lo contrario.
- Siempre que haya una diferencia en los niveles de prestaciones dentro y fuera de la red PPO, las prestaciones que se muestran arriba son aplicables cuando se realiza el tratamiento dentro de la red de la PPO.
- Las coberturas que se presentan son por persona, a menos que se indique lo contrario.
- El guión (-) en los campos arriba significa No aplicable (N/A).