Insurance for Medical Students

Forms

Information


Your United Health Care Benefits at a Glance

July 1, 2013–June 30, 2014

Deductible

$150 in network/policy year
$300 in network per family/policy year
$300 out of network/policy year
$600 out of network per family/policy year

Out of Pocket Maximum
80/20 in network or 60/40 out of network

$1,500/covered person/policy year
$3,000/all covered persons in family/policy year

Primary Care Visit

$25 co-pay or 80% of preferred allowance

ER

$125 co-pay

Urgent Care

$35 co-pay

Prescriptions

$15 co-pay per script, tier 1
$30 co-pay per script, tier 2
$45 co-pay per script, tier 3

Inpatient Hospital

80% in network, 60% out network

Outpatient Hospital

80% in network, 60% out network

Other Expenses Including Ambulance, Home Health Care, Equipment, Supplies, Maternity, Complications of Pregnancy, Accidental Dental Injury & Hospice Care

80% in network, 60% out network

Network

United Health Care Choice Plus

Plan Maximum

$2,500,000 per insured person/ per year

Create an account

www.uhcsr.com/wright


Your Life & Disability Insurance Benefits at a Glance

July 2014–June 30, 2015

Long Term Disability Benefit

$1,500 per month is paid for the first 5 years if you are unable to continue as student; after 5 years, if you are unable to secure an occupation or employment commensurate with your education and training, benefits continue until Social Security Normal Retirement Age

90 Day Waiting Period

Your benefits become payable after you are continuously disabled for 90 days

Pre-Existing Conditions

If a preexisting condition is present at any time during 6 months prior to the coverage effective date, your benefits begin after 12 months of coverage

Assisted Living Benefit

Up to $1,500 is payable upon meeting requirements

Work Earnings or Income Offset

You may earn up to $3,000 per month while disabled without a reduction in benefits

Rehabilitation Plan Benefit

While disabled, expenses for training, education, family care work and job search in connection with returning to work or school can be covered

Lump Sum Benefit

$5,000 is paid when you meet the requirements for Permanent and Total Disability

Student Loan Repayment Benefit

Up to $200,000 is paid to cover qualifying loans for college and medical school tuition, living expenses, fees, and textbooks

Survivor Benefit

Up to $7,500 is paid to your beneficiary if you die after receiving Long Term Disability for at least 180 days

Continuation of Coverage

$2,000/$2,500 monthly coverage will be available on a guaranteed issue basis while you are in residency training

Long Term Disability Benefit

$1,500 per month is paid for the first 5 years if you are unable to continue as student; after 5 years, if you are unable to secure an occupation or employment commensurate with your education and training, benefits continue until Social Security Normal Retirement Age