Community Orientation

International Student Group Medical Insurance Policy

A brochure which includes a complete description of the medical insurance policy is available in the Office of International Student Affairs.

The information below includes a Summary of Insurance Inclusions and a Summary of Insurance Exclusions. Be advised the primary purpose of the group medical insurance policy is to protect students in the case of unexpected illness, accident or emergency. It is not primarily intended to provide routine or preventive medical or health care.

Summary of Inclusions

The medical insurance policy generally provides the following benefits:

Doctor's Visit: For an unexpected injury or sickness, the medical insurance will reimburse the usual and customary cost for a doctor visit, less $20 student deductible per visit. See attached list of recommended doctors or visit any doctor of your choice.

Hospital Emergency Room: For visits to an emergency room at a hospital, the student pays $100 deductible per visit. The insurance company will pay 90% of other costs associated with the emergency room.

Hospitalization: In most cases, the insurance company will pay 90% of reasonable costs.

Medication/Prescription Drugs: $1000.00 Maximum benefit per policy year when prescribed by the attending physician. Prescriptions must be filled at a Walgreen Heal Initiatives participating pharmacy. Per prescription co-payments: $10 for Generic Drugs;$15 for Brand Names Drugs;$30 for Multi-Source Drugs

Chiropractic: When caused by an injury or sickness, student pays $20 deductible per visit. The insurance company will pay up to $50 per visit for three visits per week, up to a maximum of $1,000 per year.

Ambulance: If an ambulance is needed for a medical emergency, the insurance company will pay 100% of covered charges incurred.

Mental Health (outpatient services): Student pays $20 per visit. The insurance company will pay up to $3,000 per policy year for treatment for a mental health and nervous condition, and/or psychological services.

Evacuation: Up to $50,000 will be paid to cover costs of home country return in extreme medical emergency situations, upon approval of the insurance company. Up to $20,000 will be paid to cover the cost to return the insured person's body to the home country in the event of death. The insurance company will pay up to $1,000 for expenses incurred for the emergency reunion under certain conditions.

Moraine Valley Community College requires all international students to have medical insurance during their entire stay in the U.S. The cost is $764 per year ($319 each semester and $125 during the summer.) International students are automatically enrolled in a group insurance plan when they register for classes. The fee is added under "OTHER" fees payable.

Maximum Coverage per Insured Student is $100,000.

Note: This is a summary of benefits only. For a complete description, see official group policy brochure.

SUMMARY OF INSURANCE EXCLUSIONS

The group medical policy does NOT include coverage for the following:

• Any pre-existing injury or sickness that was treated by a doctor or for which medication was prescribed within six months prior to your enrollment in the insurance plan.
• Testing, treatment, or services for any condition in the absence of sickness or injury except as specifically provided.
• Expenses incurred for routine physical examinations and routine chest x-rays.
• Preventive medications, serums, immunizations or vaccines, except as specifically provided.
• Cosmetic surgery, except as the result of a (covered) injury.
• Acne treatments, moles, non-malignant warts or lesions, vitamins or food supplements, smoking deterrents, drugs to promote or stimulate hair growth, experimental drugs.
• Alternative health care, including (but not limited to) acupuncture, except as specifically provided, acupressure, biofeedback, reflexology, and rolfing type services.
• Treatment of any injury or sickness while committing or attempting to commit a felony or a crime.
• Illness or accident while participating in dangerous sports, such as hang gliding, skydiving, parasailing, speed contests, parachuting, bungee cord jumping, riding without a helmet on a motor vehicle or riding on a snowmobile.
• Injuries incurred while intoxicated or under the influence of any drug (unless prescribed by a doctor).
• Voluntary sterilization or any sterilization reversal process.
• Dental treatment, except for an accidental injury to sound, natural teeth up to a maximum of $200 per tooth, $600 per occurrence. Routine dental exams, filling cavities, root canals, etc. are not covered.
• Foot care only to improve comfort or appearance, such as care for flat feet, subluxation, corns, calluses, routine care of toenails, and the like.
• Eye examinations, eyeglasses, and contact lenses (except for sclera shells which are intended for use of corneal bandages), including eye refractions, multiphasic testing, radial keratotomy, hearing aids or supplies related thereto, except as required for repair caused by a covered injury.

Note: This is a summary of benefit exclusions. For a complete description, see official group policy brochure.