Stanford University International Student Medical Coverage

All Stanford University students must have medical insurance while enrolled.  Many will choose Cardinal Care, which is insured through Health Net, and while on Cardinal Care you must first visit Vaden Health Center and if you need a physician, they will refer you to one of the available doctors contracted with Health Net.

Many International Students opt-out of Cardinal care and enroll in an International Medical Insurance plan such as GeoBlue which allows you to not only go to Vaden Health Center, but also Stanford Hospital the Palo Alto Medical Foundation and Menlo Clinic, along with most every Bay Area Hospital and medical facility.

The freedom to choose your own doctor or hospital through out the Bay Area, the State of California and across the U.S.

Premium:

The GeoBlue annual premium will be approximately $220 per month depending on the annual deductible you choose.  Cardinal Care is nearly $5,000 for the 12 month policy.  GeoBlue will provide much more flexibility when seeing doctors and hospitals of your choice along with a more comprehensive benefit structure.  Please see the brochure for more details.

Appointment Scheduling and Direct Pay— Paperless, Cashless, Convenient.
Using the web, the telephone or a web-enabled cell phone, members can request appointments with doctors and hospitals who participate in GeoBlue’s International Community. When making appointments,
GeoBlue arranges to pay the doctor or hospital directly. GeoBlue even waives the deductible if a member sees a participating physician. In the U.S., simply show your ID card at the time of service.

Around-the-Clock Assistance Call Center:
GeoBlue maintains a 24/7, toll-free call center to assist GeoBlue members with everything from routine requests to medical emergencies. The GeoBlue staff has years of experience with international medical assistance and has close working relationships with its International Provider Community.

GeoBlue International Student Advantages:
  1. U.S. licensed and admitted insurance company.
  2. Cashless access to the best provider networks inside and outside the U.S.
  3. Choice of deductible options (waived for office visits).
  4. $30 office visit copay (reduced to $10 outside the U.S.).
  5. Coinsurance waived for care outside the U.S.
  6. Pre-existing conditions exclusion waived with prior creditable coverage.
  7. No waiting period associated with preventative services.
  8. No exclusion for specified conditions in the first 6 months.
  9. No pre-certification penalty imposed.
  10. Sports and alcohol related injuries covered.
GeoBlue Travels with You:

While traveling across the globe with the GeoBlue mobile app, you can quickly and conveniently find and access quality care using your mobile device. If you travel back to your home country or anywhere else while on holiday, you will be covered with GeoBlue.

Enroll today … or contact me anytime with questions.

John Conner
916-682-1117
john@johnconner.com

Questions & Comments:

Stanford University Student International Health Insurance

Stanford University requires all International Students and scholars on J-1 visas to carry health insurance for themselves and their J-2 dependents for the full duration of their J program.

Hundreds of thousands of students, faculty and other educational professionals travel internationally each year, which is why “Student Travel Insurance” plans are so important.

Many are now choosing to waive the school plan in favor of a more comprehensive less costly International plan which provides better access to care in the U.S. and outside the U.S. if you happen to travel back to your home country or to a different country while on winter or summer break.

The GeoBlue International Student policy pays for services provided by; Vaden school clinic, Stanford University hospital and Menlo Medical Clinic along with most other medical providers through out the Bay Area, California, the U.S. and abroad.

Doctors & Hospitals:

With GeoBlue you are able to see any Blue Cross / Blue Shield doctor, specialist or hospital across the U.S. That is over 95% of all medical providers.  You are able to also see non blue cross / blue shield doctors and hospitals of your choice.

The GeoBlue protection follow you wherever you may be. On holiday outside of California, even across the globe.

GeoBlue Mobile App:

The GeoBlue Mobile app allows you to view doctor profiles, specific languages, forward your ID card to the doctors office, fill prescriptions or make an appointment. Contact GeoBlue 24/7/365 for questions, answers or help with a situation. You are never alone with GeoBlue.

Comprehensive protection, unsurpassed access to quality doctors and hospitals, along with concierge member service.

Stanford Required minimum coverage:

  • You must always receive a referral if you wish to be seen outside of the Vaden Health Center (VHC).
  • All care must be arranged by VHC.
  • geoblue student 1Tier 1 services will be provide by VHC or Stanford Medical Center.
  • Tier 2 services will be referred to a Health Net PPO provider if the services are not available at VHC.
  • Deductible: Tier 1 ($0), Tier 2 ($500)
  • Out of pocket maximum: Tier 1 ($2,000), Tier 2 ($4,000)
  • Student responsibility for most services: 30% up to $2,000 or $4,000.
  • Medical benefits of at least $50,000 per accident or illness.
  • Repatriation of remains in the amount of $7,500.
  • Expenses associated with the medical evacuation of the exchange visitor to his or her home country in the amount of $10,000.
  • A deductible not to exceed $500 per accident or illness.
  • If a particular activity is a part of your Exchange Visitor program, your insurance must cover injuries resulting from your participation in that activity.
  • The policy may establish a waiting period before it covers pre-existing conditions (health problems you had before you bought the insurance), as long as the waiting period is reasonable by current standards in the insurance industry.
  • The policy must be backed by the full faith and credit of your home country government or the company providing the insurance must meet minimum rating requirements established by DOS (an A.M. Best rating of “A-” or above, an Insurance Solvency International, Ltd. (ISI) rating of “A-i” or above, a Standard & Poor’s Claims-paying Ability rating of “A-” or above, or a Weiss Research, Inc. rating of B+ or above)

Stanford University does offer a student plan through Health Net Insurance company, although it does not provide coverage for “Medical Evacuation” to your home country or “repatriation of remains.”

Take it with you …

A typical school health insurance plan will not provide much coverage if you return to your home country for a visit(s).  Or, if you decide to travel internationally over the holidays.  An international health insurance plan provides quality health insurance coverage regardless of where you go.

Eligibility …

All international citizens studying, traveling, working and living abroad who are age 12 and older.

How to Enroll …

Simply complete the on-line enrollment.  You will be given a confirmation, then you can view and print your ID card or wait for it to arrive in the mail.  It’s that simple.

Please feel free to contact me anytime, I will be happy to answer all of your questions.

John Conner
916-682-1117
john@johnconner.com

Questions & Comments: