Checklist For Other Health Insurance Coverage When Waiving the Premier Plan
Some students already have adequate health insurance coverage through their parent's health insurance plans, but many other students on our three campuses may lack coverage for a variety of reasons. The checklist below is designed to help students and parents evaluate the adequacy of their health insurance in relation to the special needs of students:
Coverage in the Washington D.C. Metropolitan Area
Cost increases have caused many employers to adopt benefits through a health maintenance organization (HMO), preferred provider organization (PPO), or other managed care system. Some HMOs and PPOs limit access to non-emergency care to a specific geographic area. Students should have more than just emergency coverage while attending school. Adequate student coverage should provide full benefits for health care in the Washington area of no less than $100,000 per Injury and $100,000 per Sickness. For simple inexpensive tests, such as throat cultures or blood counts, HMO coverage often requires travel to an approved site.
Club Sports Coverage
Students who participate in sports programs should have health care coverage. Intercollegiate or professional sports injuries are not covered under the Premier Plan. The Premier Plan does cover specific GU club sports injuries. Refer to Club Sports information in the Description of Benefits or call Gallagher Koster for a more detailed description.
Study Abroad and Worldwide Coverage
Premier Plan provides worldwide coverage. Georgetown University students in Study Abroad programs have an additional overseas policy to cover medical treatment rendered outside of the United States. The Study Abroad overseas policy will not be accepted as the only "other insurance" for purposes of meeting the waiver requirement to decline the Premier Plan. Because the additional overseas policy enhances the Premier Plan's overseas coverage, students are encouraged to maintain enrollment in both plans.
Mental Health Care Benefits
Employer-sponsored group health insurance programs often provide mental health care benefits at the state-mandated level, which may be insufficient for the needs of a student. Your health insurance program should provide a level of benefits for mental health care comparable to the coverage provided by the Premier Plan.
Insured's Payment Obligations
The Georgetown University Student Health Center (SHC) charges students for visits. Parents and students should make certain that their deductibles and coinsurance would not preclude them from obtaining appropriate health care services.
If you qualify as a dependent on your parent's plan because you are a full-time student in the Fall, then reduce credit hours in the Spring semester to part-time and are disqualified from your parent's plan, you may also be disqualified to enroll in the Premier Plan offered by the University. If your other coverage will terminate in the Spring due to reduced credit hours, consider accepting the Premier Plan in the Fall, for 12 months of coverage, instead of waiving it.
Dual Coverage Under The Premier Plan and Another Plan
You may want to remain covered under your current plan and purchase this Plan. However, this Plan would not necessarily be your primary plan. This Plan coordinates benefits with other plans to determine which plan pays first. Refer to the Coordination of Benefits explanation in the Premier Plan Description of Benefits, if you wish to be covered under this Plan and another.