All
students on F-1 Visa at Avila University are required to have
health insurance. A fee for this mandatory health
insurance is applied to each international
student's University bill. If you currently have your own
medical/health insurance policy and wish to have the mandatory
coverage waived, you must submit a detailed copy of your current
insurance plan to the campus health nurse in Hodes Center
within the first two weeks of the Fall or Spring semester.
Your insurance coverage will be sent to the insurance company to verify
that it is comparable to the mandated policy provided by Avila.
If it is found to be equal to or better than the insurance
required by the University, you will receive a credit on your
University bill and will not be required to enroll in the
University's medical/health insurance policy.
Health costs in the
United States are very expensive. Health insurance can help
you pay for many of these expenses. Your insurance must be
effective in the United States. Avila mandates insurance coverage
for your protection.
Below is specific information about the minimum health insurance Avila requires. It is also the insurance available for Avila students to purchase.
Insurance Company used by Avila: Summit America. You can visit our website at www.summitamerica-ins.com/avila.
Avila's Plan/Minimum Requirements
Benefit |
Coverage Amount |
Maximum Per Accident or Sickness |
$100,000
|
Annual Maximum Per Policy Year |
$100,000
|
Annual Out of Pocket Maximum |
$3,000
|
Student Health Clinic |
No Charge
|
Minute Clinic and Take Care Clinic |
No Charge for Covered Services
|
Copay per Office Visit |
PPO: 100% after $15 Copay
Non-PPO: 80% after $15 Copay
|
Copay per Hospital Visit |
PPO: 100% after a $50 Copay
Non-PPO: 80% after $50 Copay
|
Ground/Air Ambulance Services |
The plan pays covered charges at 100% for emergencies.
|
Emergency Room Visit |
100% after a $100 Copay
|
Outpatient Prescriptions |
50% of charges
|
Additional Pharmacy/Vision |
New Benefits Discount Card
|
Mental Health Services – Substance Abuse |
30 inpatient days per year; 10 outpatient visits consecutive 12 months
|
Medical Evacuation |
Unlimited when arranged by Assist America
|
Repatriation |
Unlimited when arranged by Assist America
|
Exclusions and Limitations:
The following expenses are not covered:
- Medical care, treatment, supplies, or services not listed on the policy.
- Elective, cosmetic, or reconstructive surgery.
- Treatment in student’s home country.
- For any care in connection with teeth, gum, or jaw unless for an injury to natural teeth.
- For medical treatment or prescription drugs which are not medically necessary.
- Hearing aids, eyeglasses, and contact lenses.
- For injury or bodily infirmity if covered under Worker’s Compensation
- Birth control or infertility
- Professional sports injuries
- Intentional self-inflected injury
- For diagnosis treatment and all other care related to infertility
- Injury while parachuting, hang gliding, or while driving illegally
- For injury resulting from a motor vehicle accident if an insured was operating vehicle without a valid driver’s license in the state where the individual resides while attending school.
- Expenses due to pre-existing illness or sickness
- Other expenses specified in the policy
- Note: Plan benefits are subject to the terms and conditions of the insurance policy.
This is only applicable until December 2012. An updated insurance plan will be posted as soon as it is available.
Frequently Asked Questions and Important Information
- Why do I need health insurance?
Medical costs in the US are very expensive. A major accident or illness could cost more than $10,000. We never know when we might become sick or injured.
There are many doctors and hospitals available. Go to www.multiplan.com and click “Find a Doctor”. PHCS Healthy Directions is the PPO network name.
- When should I use the Emergency Room?
Only if you have a life-threatening illness or injury should you go to the hospital emergency room. Otherwise you should go to Nurse Carol at the Student Health Center, to a Minute Clinic or Take Care Clinic, or call your doctor’s office.
- What is a Minute Clinic or Take Care Clinic?
Minute Clinic is a walk-in clinic located in some CVS drug stores. Take Care Clinic is located in some Walgreen’s pharmacies. Covered services provided at either clinic are free. Visit www.minuteclinic.com or www.takecarehealth.com for locations.
This is a small out of pocket expense that you must pay the doctor or hospital for each visit.
- How am I reimbursed for a claim or prescription drugs?
The pharmacy will require payment up-front. Complete a claim form and send it to Summit America Insurance Services, 7400 College Blvd, Suite 100, Overland Park, KS 66210. www.summitamerica-ins.com/avila
- What happens if my claim is rejected?
Contact Summit America by phone 913-327-0200 or by email at claims@summitamerica-ins.com. Occasionally, a claim may be rejected if the doctor provides the wrong number or other information is missing. We will research the claim and let you know the status.
- Carry your insurance ID card with you at all times and give to all medical providers that give you treatment.
SUMMARY ONLY – CONTRACT AND ELIGIBILITY WILL DETERMINE BENEFITS.
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