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计划A (Student Health Advantage)
标准计划A 铂金计划A
计划 B (Taian Patriot Exchange) 计划 S (Taian Exchange Select)

泰安独家代理
保险提供商 IMG (International Medical Group) IMG (International Medical Group) IMG (International Medical Group)
医疗网络 在美国境内可以选择使用美国最好的医疗网络 UnitedHealthcare,该网络提供直接结算、简化理赔程序。 在美国境内可以选择使用美国最好的医疗网络 UnitedHealthcare,该网络提供直接结算、简化理赔程序。 在美国境内可以选择使用美国最好的医疗网络 UnitedHealthcare,该网络提供直接结算、简化理赔程序。
计划类型 计划专为F1,F2,J1,J2和OPT学生学者而设计。按整月购买(1至12个月),首次购买3个月以上者可以续保至5年。 计划专为F1/F2、J1/J2、M1/M2和OPT学生学者而设计。按整月或天数购买,首次购买1个月以上者可以续保至4年。 计划专为F1/F2、J1/J2、M1/M2和OPT学生学者而设计。按整月或天数购买,首次购买1个月以上者可以续保至4年。
最高赔付 标准计划A:$500,000 保单年度最高赔付,$300,000每次生病最高赔付
铂金计划A:$1,000,000 保单年度最高赔付,$500,000每次生病最高赔付
无限终身最高赔付。可选$50,000, $100,000, $250,000, $500,000每次生病最高赔付 无限终身最高赔付
可选$50,000, $100,000, $250,000, $500,000每次生病最高赔付
免赔额(保险赔付前的自付部分) 标准计划A: $100每次疾病或受伤免赔额 : 每次生病或受伤, 自付$100后保险开始赔付.
铂金计划A: 指定医疗网络内, 每次生病或受伤 $25, 非指定医疗网络, 每次生病或受伤 $50
两种免赔额选择: 1) 每次疾病或受伤$100; 2) 年度免赔额($0, $250 or $500) 年度免赔额为泰安独家代理! 两种免赔额选择: 1) 每次疾病或受伤$100; 2) 年度免赔额($250 or $500)
年度免赔额为泰安独家代理!
学校医务室挂号费 $5 挂号费, $0 免赔额 $5 挂号费, $0 免赔额 $5 挂号费, $0 免赔额
生病受伤共同保险 No coinsurance outside of U.S.; or in PPO within U.S. Out of PPO within U.S.: 20% of the first $5,000 of eligible charges, then no coinsurance. No coinsurance in PPO or out of PPO 20% coinsurance in UnitedHealthcare Options Network. 30% coinsurance out of Network.
Maternity Coinsurance Not covered - If you are pregnant before your policy is effective.
Standard Plan: Not Covered
Platinum Plan: No coinsurance outside of U.S. In the U.S. in PPO 20% of eligible charges. In the U.S. out of PPO 40% of eligible charges.
N/A N/A
住院 Average semi-private room Average semi-private room Average semi-private room
重症监护 URC(Usual Reasonable and Customary) URC(Usual Reasonable and Customary) URC(Usual Reasonable and Customary)
心理健康和药物滥用 In-patient URC to $10,000, out-patient $50/day to $500 N/A N/A
急诊室 URC for injury or illness resulting in hospitalization. Additional $250 deductible for illness without hospitalization URC for injury or illness resulting in hospitalization. Additional $250 deductible for illness without hospitalization URC for injury or illness resulting in hospitalization. Additional $250 deductible for illness without hospitalization
处方药 In-patient URC, out-patient 50% URC Inpatient In UnitedHealthcare Options Network 80% coinsurance.
Inpatient Out of Network or Outpatient 70% coinsurance.
意外牙科 Injury $500, Sudden pain $350 Injury $500, Sudden pain $350 Injury $500, Sudden pain $350
意外伤残或死亡 $25,000 $25,000 $25,000
紧急救援 $500,000 $50,000 $50,000
身故遗体送返 $50,000 $25,000 $25,000
先前的疾病(生病或受伤) Standard Plan: After 12 months of continuous coverage
Platinum Plan: After 6 months of continuous coverage
After 12 months of continuous coverage After 12 months of continuous coverage
Six month option available
团体价格 5 or more primary insured have about 15% discount for Student Health Standard and about 18% for Student Health Platinum 5 or more primary insured have 10% discount 5 or more primary insured have 10% discount
Cost Per Month (Non-US Citizen)

Standard Plan

Age F1/J1 Spouse
< 19 $64 $336
19-23 $84 $336
24-30 $98 $372
31-40 $176 $495
41-50 $286 $511
51-64 $382 $495
Child $80


Platinum Plan

Age F1/J1 Spouse
< 19 $108 $576
19-23 $142 $576
24-30 $164 $636
31-40 $294 $847
41-50 $481 $875
51-64 $642 $847
Child $122

$100 Per-illness Deductible 0% Coinsurance

Age $100,000 Benefit $250,000 Benefit
< 25 $51.90 $52.80
25-49 $71.10 $76.20
50-64 $142.80 $164.40


$250 Annual Deductible 0% Coinsurance

Age $100,000 Benefit $250,000 Benefit
< 25 $50.10 $51.00
25-49 $67.20 $73.80
50-64 $138.00 $159.00


$0 Annual Deductible 0% Coinsurance

Best Benefits

Age $100,000 Benefit $250,000 Benefit
< 25 $62.63 $63.75
25-49 $85.88 $92.25
50-64 $172.50 $198.75

$100 Per-illness Deductible 20% Coinsurance

Age $100,000 Benefit $250,000 Benefit
< 25 $43.43 $46.45
25-49 $56.56 $60.48
50-64 $121.08 $129.77


$250 Annual Deductible 20% Coinsurance

Age $100,000 Benefit $250,000 Benefit
< 25 $42.13 $45.05
25-49 $54.86 $58.66
50-64 $117.45 $125.60


$500 Annual Deductible 20% Coinsurance

Lowest Cost

Age $100,000 Benefit $250,000 Benefit
< 25 $39.19 $41.90
25-49 $51.02 $54.56
50-64 $109.23 $116.81
Premium Calculator (Non-US Citizens)

Plan A Premium Calculator

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Plan B Premium Calculator

Most Popular Plan Choice

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$50.10 Per Month

Plan S Premium Calculator

Lowest Cost Plan

Calculate Premium
$39.19 Per Month
Purchase Standard Quote/Buy
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Platinum Quote/Buy
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Group Purchase Group Plan A Quote/Buy
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Group Platinum A Quote/Buy
Group Quote/Buy
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Group Quote/Buy
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FAQ Questions and Answers about Plan A Questions and Answers about Plan B Questions and Answers about Plan S
Plan B (Taian Patriot Exchange)
Maximum Benefit Unlimited lifetime maximum benefit. Options $50,000, $100,000, $250,000 or $500,000 per illness/injury
Deductible Two options: 1) $100 per illness/injury; 2) Annual deductible ($0, $250 or $500) Annual deductible is Taian Exclusive!
Illness or Injury Coinsurance No coinsurance in PPO or out of PPO
Emergency Room URC for injury or illness resulting in hospitalization. Additional $250 deductible for illness without hospitalization
Medical Evacuation $50,000
Repatriation of remains $25,000
Hospital Room & Board Average semi-private room
Intensive Care URC(Usual Reasonable and Customary)
Prescription Drugs URC
Pre-existing conditions After 12 months of continuous coverage


$100 Per-illness Deductible 0% Coinsurance

Age $100,000 Benefit $250,000 Benefit
< 25 $51.90 $52.80
25-49 $71.10 $76.20
50-64 $142.80 $164.40


$250 Annual Deductible 0% Coinsurance

Age $100,000 Benefit $250,000 Benefit
< 25 $50.10 $51.00
25-49 $67.20 $73.80
50-64 $138.00 $159.00


$0 Annual Deductible 0% Coinsurance

Best Benefits

Age $100,000 Benefit $250,000 Benefit
< 25 $62.63 $63.75
25-49 $85.88 $92.25
50-64 $172.50 $198.75
  • Plan Highlights
  • Meets USDOS requirements
  • TaiAn exclusive plan
  • No extra cost for out of network providers
  • No Co-insurance
View Plan Details Get Quote/Buy
Plan S (Taian Exchange Select)
Maximum Benefit Unlimited lifetime maximum benefit. Options $50,000, $100,000, $250,000 or $500,000 per illness/injury
Deductible Two options: 1) $100 per illness/injury; 2) Annual deductible ($250 or $500) Annual deductible is Taian Exclusive!
Illness or Injury Coinsurance 20% coinsurance in UnitedHealthcare Options Network. 30% coinsurance out of Network.
Emergency Room URC for injury or illness resulting in hospitalization. Additional $250 deductible for illness without hospitalization
Medical Evacuation $50,000
Repatriation of remains $25,000
Hospital Room & Board Average semi-private room
Intensive Care URC(Usual Reasonable and Customary)
Prescription Drugs URC
Pre-existing conditions After 12 months of continuous coverage


$100 Per-illness Deductible 20% Coinsurance

Age $100,000 Benefit $250,000 Benefit
< 25 $43.43 $46.45
25-49 $56.56 $60.48
50-64 $121.08 $129.77


$250 Annual Deductible 20% Coinsurance

Age $100,000 Benefit $250,000 Benefit
< 25 $42.13 $45.05
25-49 $54.86 $58.66
50-64 $117.45 $125.60


$500 Annual Deductible 20% Coinsurance

Lowest Cost

Age $100,000 Benefit $250,000 Benefit
< 25 $39.19 $41.90
25-49 $51.02 $54.56
50-64 $109.23 $116.81
  • Plan Highlights
  • Meets USDOS requirements
  • TaiAn exclusive plan
  • 20% co-insurance after deductible
View Plan Details Get Quote/Buy
Plan A - Student Health Advantage Standard
Maximum Benefit $500,000 maximum per period of coverage, $300,000 per illness/injury
Deductible $100 per illness/injury: For each illness or injury, insured pays $100 before insurance pays
Illness or Injury Coinsurance No coinsurance outside of U.S.; or in PPO within U.S. Out of PPO within U.S.: 20% of the first $5,000 of eligible charges, then no coinsurance.
Emergency Room URC for injury or illness resulting in hospitalization. Additional $250 deductible for illness without hospitalization
Medical Evacuation $50,000
Repatriation of remains $25,000
Hospital Room & Board Average semi-private room
Intensive Care URC(Usual Reasonable and Customary)
Prescription Drugs In-patient URC, out-patient 50%
Pre-existing conditions After 12 months of continuous coverage
  • Plan Highlights
  • Meets USDOS requirements

Premium Charts (Month)

Premium chart for J1 & F1 Primary
Age Premium
< 19 $64
19-23 $84
24-30 $98
31-40 $176
41-50 $286
51-64 $382
Premium chart for J2 & F2 Dependent
Age Premium
< 19 $336
19-23 $336
24-30 $372
31-40 $495
41-50 $511
51-64 $495
Children Standard Premium
Children $80
View Plan Details Get Quote/Buy
Plan A - Student Health Advantage Platinum
Maximum Benefit $1,000,000 maximum per period of coverage, $500,000 per illness/injury
Deductible $25 per illness/injury In PPO, $50 per illness/injury Out of PPO
Illness or Injury Coinsurance No coinsurance outside of U.S.; or in PPO within U.S. Out of PPO within U.S.: 20% of the first $5,000 of eligible charges, then no coinsurance.
Emergency Room URC for injury or illness resulting in hospitalization. Additional $250 deductible for illness without hospitalization
Medical Evacuation $50,000
Repatriation of remains $25,000
Hospital Room & Board Average semi-private room
Intensive Care URC(Usual Reasonable and Customary)
Prescription Drugs In-patient URC, out-patient 50%
Pre-existing Conditions After 6 months of continuous coverage
  • Plan Highlights
  • Meets USDOS requirements
  • 6 months waiting period for pre-existing conditions
  • Maternity coverage

Premium Charts (Month)

Premium chart for J1 & F1 Primary
Age Premium
< 19 $108
19-23 $142
24-30 $164
31-40 $294
41-50 $481
51-64 $642
Premium chart for J2 & F2 Dependent
Age Premium
< 19 $576
19-23 $576
24-30 $636
31-40 $847
41-50 $875
51-64 $847
Children Platinum Premium
Children $122
View Plan Details Get Quote/Buy
Plan More about Student Health Advantage
Plan Highlights
  • On the Plan A effective date you need to have a valid J1/F1 visa and be outside of your home country for your study or program.
  • Taian Plan A (Platinum only) covers maternity only if the pregnancy begins after the plan is effective.
  • In vitro fertilization or artificial insemination is not covered.
  • Emergency Room: Injury: URC; Illness resulting in hospitalization: URC; Illness without hospitalization: Subject to addtional $250 deductible
  • Physical Therapy: URC -limit once per day
  • Standard Plan Local Ambulance: Per injury up to $350, Per illness only if admitted in-patient up to $350
  • Platinum Plan Local Ambulance: Per injury up to $750, Per illness only if admitted in-patient up to $750
  • Dental: Injury due to covered accident $500; Sudden & unexpected pain $350
  • Intercollegiate/Interscholastic/intramural or club sports: $5,000 per injury/illness medical expenses only
  • Incidental home country coverage: up to cumulative two weeks
  • Terrorism coverage: up to 50,000 lifetime maximum
  • F2/J2 dependents can only purchase when the F1/J1 purchases. Maximum limit per period of coverage and per illness maximum for dependents is $100,000
  • To maximize your benefits under your plan hospital stays should be precertified if planned in advance. IMG should be notified promptly for emergency hospital stays.
  • Preventive care including well physical exams and vaccines are not covered. Plans covering wellness benefits typically cost $200-$300 or more per month. Ask us about inexpensive and sometimes free ways to receive these services.
  • Group Plan available for groups of 5 or more unrelated individuals (non-family members). Must use one credit card to pay for the whole group. Use the credit card holder's name as the "Contact Name". Use the credit card holder's email as the group contact for the plan. "Sponsoring Organization" should reflect your common affiliation (examples: "your school name visiting scholars" or "CSC your school name Exchange").
  • You can purchase up to a year and pay monthly for a 4% extra charge.
  • Plan A (Platinum only) Maternity coverage has $5,000 maximum benefit. Benefit includes routine newborn care.
  • If you want Student Health Advantage (Plan A) and have a destination outside the US you are eligible to purchase at a lower premium cost. Click here to Quote/Buy Plan A Standard for a non-US destination. Click here to Quote/Buy Plan A Platinum for a non-US destination.
Full Brochure Full Brochure
Plan More on Taian Patriot Exchange
Plan Highlights
  • Taian Patriot Exchange Plan B with $100,000 limit per illness/injury is the most affordable plan that meets the US Dept of State standards for Exchange visitors (J visa) which are: At least $100,000 per illness, repatriation of remains of $25,000, Medical evacuation benefits of $50,000, and a deductible not to exceed $500 per accident or illness.
  • J1/F1 visa holder and their J2/F2 dependents can buy TaiAn Plan B. If the J2/F2 dependents come to the US later, they can purchase Plan B alone for different dates.
  • You can select the day after you submit application or any later date as your insurance effective date. The insurance can only be effective after you arrive in the foreign country for your exchange program.
  • Our members also have access to the UnitedHealthcare Options network which provides access to the broadest top tier national network in the US. If you use the UnitedHealthcare Options network providers, you will be eligible for simplified claims processing. For many claims, the provider will submit the claim, and no member claims forms will be required.
  • Group Plan available for groups of 5 or more unrelated individuals (non-family members). Must use one credit card to pay for the whole group. Use the credit card holder's name as the "Contact Name". Use the credit card holder's email as the group contact for the plan. "Sponsoring Organization" should reflect your common affiliation (examples: "your school name visiting scholars" or "CSC your school name Exchange").
  • Other available options include: travel protection for baggage and valuables, legal assistance, personal liability coverage, adventure sports coverage
  • Preventive care including well physical exams and vaccines are not covered. Plans covering wellness benefits typically cost $200-$300 or more per month. Ask us about inexpensive and sometimes free ways to receive these services.
  • To maximize your benefits under your plan hospital stays should be precertified if planned in advance. IMG should be notified promptly for emergency hospital stays.
  • If you want TaiAn Patriot Exchange (Plan B) and also want coverage for mental/nervous, substance abuse, and bedside visit, then IMG Patriot Exchange Program is the best choice. If your destination is outside the US you are eligible to purchase at a lower premium cost. Click here for more information about IMG Patriot Exchange Program.
$50,000 Benefit Level
  • The $50,000 benefit level does not meet J visa requirements. If you don't need to meet J visa requirements and want to purchase the $50,000 benefit level use these purchase links.
Buy Plan B with $50,000 maximum
中文填表指南
Buy Group B with $50,000 maximum, For 5 primary insured or more
中文填表指南
Full Brochure Taian Patriot Exchange Full Brochure
泰安计划B(Taian Patriot Exchange)中文翻译手册
Taian Patriot Exchange Group Full Brochure
泰安团体计划B(Taian Patriot Group Exchange)中文翻译手册
注意:如果中文翻译手册内容与原文完全手册有冲突时,以原文完全手册为准
Plan What's the Difference Between Taian Exchange Select and Taian Patriot Exchange
Plan Highlights
  • Taian Exchange Select includes all of the benefits included in Taian Patriot Exchange
  • Taian Exchange Select Plan S with $100,000 benefit per illness/injury $500 annual deductible and 80/20 coinsurance is the most affordable plan that meets the US Dept of State standards for Exchange visitors (J visa) which are: At least $100,000 per illness, repatriation of remains of $25,000, Medical evacuation benefits of $50,000, and a deductible not to exceed $500 per accident or illness.
  • Taian Exchange Select has an unlimited lifetime maximum benefit!
  • Coinsurance is 20%. That means the plan pays 80% of covered charges after the deductible and the insured pays 20%. This helps get the lowest available premium.
  • If your school requires pre-existing conditions coverage with a six month wait, there is an optional benefit available with Taian Exchange Select. Click here for pricing.
Buy 6 Month Pre-existing Conditions Plan S Buy Plan S with 6 month pre-ex
中文填表指南
Buy Group S with 6 month pre-ex, For 5 primary insured or more
中文填表指南
$50,000 Benefit Level
  • The $50,000 benefit level does not meet J visa requirements. If you don't need to meet J visa requirements and want to purchase the $50,000 benefit level use these purchase links.
Buy Plan S with $50,000 maximum
中文填表指南
Buy Group S with $50,000 maximum, For 5 primary insured or more
中文填表指南
Full Brochure Taian Exchange Select Full Brochure
泰安计划S(Taian Exchange Select)中文翻译手册
Taian Exchange Select Group Full Brochure
泰安团体计划S(Taian Exchange Select Group)中文翻译手册
注意:如果中文翻译手册内容与原文完全手册有冲突时,以原文完全手册为准