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Compass plans provide value and choice

The three Compass Plans are designed to meet the different reasons our clients have for purchasing medical insurance. Each will meet all U.S. visa requirements and will exceed most school’s insurance requirements (be sure to check your institution’s policy).

Compass Plans offer a simple design. There are no hidden internal limits (beware of limited benefit plans that place low caps on standard medical care).

Compass Plans Options Summary

Compass Budget

80% to $250,000

Compass Care

80% to $10,000, then 100% to $250,000

Compass Elite

100% to $2,500, then 80% to $250,0000

All Compass plans provide:

Benefit                                                Benefit Amount

Accident and Sickness Medical Maximums Lifetime

$250,000 Primary Insured
$50,000 Spouse/Child

Deductible – Per Injury or Illness

$50 if first treated or referred by the Student Health Center
$100 if not first treated or referred by the Student Health Center

Deductible  – Per Written Prescription of Medicine

$10 for Generic and $20 for Brand Name

Emergency Medical Evacuation

$50,000

Repatriation of Mortal Remains

$25,000

Emergency Reunion

$5,000

Accidental Death & Dismemberment

$10,000 per Insured ;$5,000 per Spouse/Dependent Child

Assistance

24 hours – Worldwide

Select the link below for full plan information & rates, or to purchase a Compass Plan electronically

Purchase a Compass International Student Medical Insurance Plan

Compass International Student Insurance Plan Outline & Rates (PDF Document)


What Compass plan should I select?

Compass Elite – The Elite plan insures covered medical expenses after the deductible at 100% to the first $2,500, then 80% from there, to $250,000. Since most claims are less than $2,500, this will provide the most comprehensive coverage for most claims. Note: Covered claims in excess of $2,500 will require you to pay 20% of the cost of medical care. A large claim could require significant out of pocket costs.

Compass Care – The Compass Care plan works in reverse. It provides the greatest protection against a large covered claim. After the deductible, the first $10,000 is covered at 80%, then it offers 100% from $10,000 to $250,000. Thus, a covered claim up to $250,000 will have a maximum out of pocket of $2,000, plus the deductible.

Compass Budget – The Budget Plan is designed for those looking for the lowest cost plan that offers decent, straightforward coverage – there are no hidden caps or limitations on standard medical care. Covered medical expenses are covered at 80% to $250,000. While this plan will meet most school requirements, you will be required to pay 20% of covered medical costs.

Be certain to review the full policy for the full plan benefits, conditions, definitions and exclusions. Certain conditions will not be covered. Examples are preventative care such as vaccinations, dental, vision, pre-existing conditions, care that is not medically necessary. Other benefits may be limited such as mental health or physiotherapy.
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