教你waive掉美国大学保险


更新最新消息:ISO通过UPenn的审核了~~~大家可以放心买了

虽 然楼主是UPenn的,但是此手把手教程同样适用于各大学校(包括UC, USC, Cornell, Brown, UChi, Tufts, Columbia, Emory, Harvard, JHU, Georgetown, Stanford, WUSTL, UVA, UO, UW, PSU, Rochester…详细列表请见本贴的最下面)。楼主在高中的时候就受了三年的强制性insurance plan的摧残,每年花费上千大洋,连续三年,这其中楼主只看过一次医生。。于是我决定坚决不买学校的保险了(值得一提的是:UPenn的官方保险涨到了 USD3200+!!!谁这么脆弱需要这么高的保额啊!)所以waive掉学校保险是必然的事情!LZ找到了为国际学生提供的非常优惠的保险,特此与大家 分享!(ps. LZ用682美金waive掉了3200USD的保险,居然比PSI还便宜)

pss. 樓主致力於完善這篇日誌,還在物色其他保險公司所提供的plans。

在这里强调一下:保险计划是因学校而异的,如果你觉得学校的更划算,那就去买学校的。由于精力有限,我没有办法把所有保险公司的都介绍一遍,如果你觉得我是托或者什么的话,那我也无语了。。。请你默默地把网页关掉。还是那句话,不喜勿喷。

 

1. 选择适合你的保险

前往这个网站:http://www.isoa.org/

你 会看到这个界面,然后选择partnership下面的special school plans,如果有你所在的学校的名字,那么plan肯定完全符合你们学校的要求。如果这列表里面没有你学校的名字,那么去Health Insurance Plans里面,会有几个大众化的plans可供选择,购买前请看看policy是否符合你们学校的要求。万一不行的话,ISO会主动帮你联络学校,万一 万一还是不行,他们会退款

找到你所在的学校之后,点击进入,然后里面就有针对你所在学校所设计出来的plan。

 

 

2.如何解读这份保险到底包含什么

比 如说,你所在的学校是Penn,详细内容如下图。ISO提供$74美金一个月的plan (买九个月的就可以了!直接秒杀Penn的3200USD的plan). Deductible指的是保险公司理赔之前你需要垫的金额,等保险公司review完你的索赔之后,这钱会理赔给你;co-pay指的是你只需要付这么 一个数字,剩下的都是保险公司买单。对于那些不是疾病缠身的同学,这个plan真的很划算。还有请注意右下角有一个pdf的按钮,点击打开的话,就可以看 到详细的理赔方案。

 

 

 

3. 然后..

成功购买后,ISO会发给你一封email。其中里面有你的insurance ID,请把它打印下来,放在钱包里,以后去看病取药什么的都方便很多。

另 外就是别忘了填写学校的insurance waiver。拿Penn举例,去这个网站: https://medley.isc-seo.upenn.edu/authentication /profile/websec?app=hardwaiver  很多你需要的信息都可以在email里的insurance ID里找到。(具体如果填写waiver,我等一下会更新)如果你不确定怎么填,那么可以联系保险公司。

 

今天终于收到了Penn SHS office发来的approval email:

 

如 果你的大学在下面的名单里,那么恭喜你~ 你可以买到ISO专门依照你们学校的requirement所定制的plan~如果没有列出的话,可以在这个网站里所给出的大众化的几个plans看看, 比如说Compass Gold, Compass Silver, ISO Med, 只要符合你们学校的要求就可以了。或者也可以在网站中给出的联系方式咨询一下。

网址: http://www.isoa.org/

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