- I am not an international student with a J1 or F1 visa status. (All J1/F1 students who will be on campus are required to enroll in the Student Health Benefits plan)
- My plan is Affordable Care Act (ACA) compliant. My plan covers the following essential health benefits:
a. Emergency Services: care received for conditions that could lead to serious disability or death if not immediately treated, not penalized for going out-of-network or not having prior authorization.
b. Hospitalization: treatment in a hospital for inpatient care including laboratory services and medication during the hospital stay.
c. Laboratory services: testing provided to help a doctor diagnose an injury, illness or condition, or to monitor the effectiveness of a particular treatment.
d. Maternity, newborn care and breastfeeding coverage: Care that women receive during pregnancy, through delivery, post-delivery and care for newborns.
e. Mental health services and addiction treatment: inpatient and outpatient care provided to evaluate, diagnose and treat a mental health condition or substance abuse disorder. Limits must comply with state or federal parity laws.
f. Outpatient Care: care received without being admitted to a hospital such as a doctor’s office or clinic.
g. Pediatric services: well-child visits, vaccines, immunizations, dental and vision care
h. Prescription drugs, including birth control coverage: medications that are prescribed by a doctor to treat an illness or condition, some prescription drugs can be excluded.
i. Preventive services, wellness services and chronic disease management: including physicals, immunizations and screenings designed to prevent or detect certain medical conditions.
j. Rehabilitative services and devices: Services to help recover or develop skills and device to help gain or recover mental and physical skills due to injury, disability or chronic condition.
3. My plan allows the insured to visit U.S. doctors, hospitals, laboratories and other health care providers in the Baltimore/Washington, DC metropolitan area or local area where the insured will be residing and studying for the academic year and is not limited to emergency-only care.
4. My plan is not an out of state Medicaid plan. (These plans are not accepted in Maryland or abroad.)
5. I will remain enrolled in health care coverage for the duration of the academic year.
6. I understand that I will be responsible for paying my deductible and any out-of-pocket costs for medical services that I receive.
Note: A deductible is the amount you pay for covered health care services before insurance plan starts to pay (e.g. with a $2,000 deductible you pay the first $2,000 of covered services for yourself, after you pay your deductible, you usually pay only a copayment or coinsurance for covered services). An out-of-pocket maximum is the total amount you pay each plan year for healthcare including co-pays, deductibles, and co-insurance. Once you have reached your out-of-pocket maximum, your plan will pay for 100% of the allowed amount for covered services.
For comparison purposes, the school-sponsored health insurance plan has a $250 deductible and a $5,250 out-of-pocket-maximum.