Insurance for Medical Students

Forms

Information


Your United Health Care Benefits at a Glance

July 1, 2014–June 30, 2015

Deductible

$1,500 in network/per policy year
$3,000 in network per family/per policy year
$3,000 out of network/per person/per policy year
$6,000 out of network per family/per policy year

Out of Pocket Maximum

$5,000/covered person/policy year
$11,000 for all covered persons in family in network
$10,000/covered person/policy/year; $22,000 for all covered persons in family out of network

Primary Care Visit

$25 copay or 80% of Preferred Allowance

ER

$125 copay (waived if admitted)

Urgent Care

$35 co-pay

Prescriptions

$15 copay per script tier 1
$30 copay per script tier 2
$45 copay per script tier 3

Inpatient Hospital

Ded/Coins

Student Health Services
Outpatient Care
Preventive Care

100% coverage per service copays are waived

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

Preferred allowance in network
80% of usual and customary charges out of network

Network

United Health Care Choice Plus

Plan Maximum

Unlimited

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