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VISIT® International Health Insurance
for International Students, Scholars, Spouses, Families & Visitors

1-800-247-5575 or 1-703-660-9062


The Trusted Name in International Travel and Medical Insurance for over 30 Years!

Welcome Northern Virginia Community College Students
Northern Virginia Community College
Eligibility Requirements:  NOVA International Students
 
Student Health Plan Types
Traditional Health Plans
Starting at $25 per month
No minimum purchase
(Rates are based on your age and the Plan that you choose)		 Enhanced Health Plans
Starting at $84.63 per month
1 Month minimum purchase
(Rates are based on your age and the Plan that you choose)

ACA-Equivalent Plans
Starting at $85.50 per month
3 month minimum purchase
(Rates are based on your age and the Plan that you choose)
VISIT(R) Lite

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 Plus or Preferred
UnitedHealthcare

Overview

  • Meets J-visa Requirements ($100K+)
  • Choice of Medical Coverage – $50K up to $1 Million Medical
  • Choice of Deductible - $0 up to $500
  • Repatriation and Medical Evacuation
  • Some Plans may not include: Maternity, Pre-Existing, Team Sports, Mental Health & Preventive Care
  • Less Expensive than School Plans!

Overview

  • Exceeds J-visa Requirements

  • Higher Medical ◦ More Coverage

  • Repatriation and Medical Evacuation

  • Most Plans include: Maternity, Pre-Existing Conditions (6 or 12 month waiting period), Team Sports & Mental Health

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Overview

  • Exceeds J-visa Requirements
  •  UNLIMITED Medical Coverage
  •  Repatriation and Medical Evacuation
  • Most Plans include: Preventive Care, Maternity, Pre-Existing Conditions (6 month or NO waiting period), Team Sports, Mental Health & Prescription Rx card
STUDENT or TRAVELER Worldwide  STUDENT, SCHOLAR & FAMILY  ACA Equivalent Plans 
• Plan E PLUS - ANY Visa Accepted! Student, Family, Faculty & Travelers $100K-$1MM Med, Annual Deductible Worldwide, from $25 a month
• VISIT® Lite - NEW Plan Low Price Student Plan, Choose Medical & Deductible, 100% No Co-insurance, Mental Health & Acute Onset
• Patriot Exchange Plan PEP - $50K - $500K Medical, 100% coinsurance $100 per illness/accident deductible
 • Student Health Advantage $300K or $500K Medical & $25 Ded Pre-ex with 6 or 12 month wait
• Basic - $500K Medical & $100 Ded Pre-existing with 6 month wait
• Liaison Student - $250K up to $1MM Medical & $25 Deductible
• StudentSecure (Students only) $100K up to $500K Med, $25 Ded, Pre-existing with 6 month wait
• Economy, Standard & Super $100K or $250K Med, $100 Ded, Pre-existing with 12 month wait
• Platinum $100K or $250K Med, $100 Ded, Pre-existing with 6 month wait 
• PLUS – Unlimited Medical $100 Deductible / 80% Coinsurance
• SPORTS PLUS – Unlimited Medical $100 Deductible / 80% Coinsurance $10,000 per injury Sports coverage
• PREFERRED – Unlimited Medical $50 Deductible / 90% Coinsurance
• GeoBlue – Unlimited Medical $0 to $500 Ded / 80% Coinsurance Optional Maternity 
Additional Plans available at VISIT Insurance
Important Insurance Terms


fruitClick Here for an Overview of Health Insurance in the USA

 

CLICK HERE for an Overview of How To Stay Healthy in the USA

 

 

What is a Deductible?
 For a covered medical expense, the deductible is the portion of your medical bill that is your responsibility.  The deductible will first be subtracted from the total medical bill and you will need to pay this portion directly to the doctor or hospital. 

If the deductible is “per accident or illness,” not per visit to the doctor.  This means if you have to go to the doctor more than once for the same illness, you will only need to pay the deductible one time for that illness. 

What is Co-insurance?  You pay coinsurance plus any deductibles you owe. For example, if the health insurance allowed amount for an office visit is $100 and you've met your deductible, your coinsurance payment of 20% would be $20. The health insurance or plan pays the rest of the allowed amount.

How do I Pay for My Prescriptions?  Most plans require that you pay for your prescription first and be reimbursed.  Be sure to complete a claim form and include your receipt and prescription.

What is a pre-existing condition?
Any (1) condition for which medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) was recommended or received during the 12 months immediately preceding the Certificate Effective Date; (2) condition that had manifested itself in such a manner that would have caused a reasonably prudent person to seek medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) within the 12 months immediately preceding the Certificate Effective Date; (3) injury, illness, sickness, disease, or other physical, medical, mental, or nervous conditions, disorder or ailment (whether known or unknown) that, with reasonable medical certainty, existed at the time of application or within the 12 months immediately preceding the Certificate Effective Date.

Some Plan cover pre-existing condition immediately (PGH Global Plus and Preferred), some require a waiting period (Student Secure and Student Health Advantage) and some have restrictions on coverage for pre-existing conditions (Plan E Plus).

What is Precertification?
Emergency Pre-certification: In the event of an Emergency Hospital admission, Pre-certification must be made within 48 hours after the admission, or as soon as is reasonably possible.

Pre-certification Does Not Guarantee Benefits – The fact that expenses are Pre-certified does not guarantee either payment of benefits or the amount of benefits. Eligibility for and payment of benefits are subject to all the terms, conditions, provisions and exclusions herein.

Concurrent Review – For Inpatient stays of any kind, the Plan Administrator will Pre-certify a limited number of days of confinement. Additional days of Inpatient confinement may later be Pre-certified if a Member receives prior approval.

What is a Reasonable & Customary charge?
Reasonable and Customary charge is the amount normally charged by medical service providers for similar services and supplies in your area of living.

What is Medical Evacuation?
 Medical Evacuation means transferring the insured person to the nearest hospital or medical facility in case of an emergency injury or sickness or back to his/her home country. It can be done by any necessary means of transportation.

What is Repatriation?
 In case of death, the Repatriation benefit covers the transportation of your remains back to your family and your home country.

Are Injuries from Sports Covered?
 Recreational sports are covered through the regular medical coverage.  If you are a member of an intercollegiate, interscholastic, intramural or club sports, there is $5000 per injury coverage for injuries sustained while participating in a team sports on the Student Secure and Student Health Advantage Plans.  The VISIT Sports PLUS Plan covers athletic injuries at $10,000 per injury.  Additional coverage may be available through the Athletic Department for some sports.

Is there Dental Coverage?
 There is limited coverage for dental pain and injury to natural teeth on your policy.

Student Secure includes Relief of sudden and unexpected pain to sound, na