************************************************************** IFCSS Headquarters News Release No. 5101 January 20, 19940 ************************************************************** Independent Federation of Chinese Students and Scholars (IFCSS) 733 15th Street, N.W., Suite 440, Washington, D.C.20005 Tel. (202)347-0017 Fax: (202)347-0018 Email: ifcss@wam.umd.edu IFCSS Medical Insurance Program vs CAL Plan =========================================== For your convenience, we have worked out in some detail a brief comparison of the Student Health Plan sponsored by the Independent Federation of Chinese Students and Scholars and the CALSI Plan sponsored by Chinese Acedemic Link. The IFCSS sponsored insurance plan is underwritten by the Pan American Life Insurance company, an " A " rated company by A.M. Best rating service. It is important to understand coverage limits when purchasing a health plan. The IFCSS also provides a family dental plan and short-term health insurance for parents and relatives visiting the USA. IFCSS works for you!!! Eligibility IFCSS All F-1, J-1, and Permanent residents actively engaged in educational activities. CAL F-1, J-1 visa holders actively engaged in educational activities. Plan maximum per injury or sickness IFCSS $200,000 CAL $200,000 Deductible IFCSS $50.00 (waived if treated at Health Center) minimum of 75 enrolled at University. CAL $50.00 (waived if treated at Health Center) After deductible, how benefits are paid IFCSS 100% of the first $5,000, 80% from $5,000 to $50,000, 100% from $50,000 to $200,000. CAL 100% of the first $2,500, 80% from $2,500 to $50,000, 100% from $50,000 to $200,000 Hospital expenses, inpatient IFCSS Paid per above (no daily maximum) CAL Paid per above ($800 per day maximum) Surgeon's Fees, Inpatient IFCSS As above up to UCR CAL As above up to UCR Anesthetist, Inpatient IFCSS As above up to UCR CAL 25% of Surgery Allowance Registered Nurses Services, Inpatient IFCSS As above up to UCR, no daily maximum CAL $12.00 per/hour 90 days maximum Psychotherapy, Inpatient IFCSS 50% of eligible expenses, 30 days maximum CAL 50%, $5,000 maximum. Psychiatric hospitals not covered. Surgeon's Fee, Outpatient IFCSS As above up to UCR CAL As above up to UCR Day Surgery, Outpatient IFCSS As above up to UCR CAL As above, $800 maximum, including operating room, lab tests, x-rays, anesthesia, professional fees, drugs, medicines and supplies. Anesthetist, Outpatient IFCSS As above up to UCR CAL 25% of surgery allowance Physician's visits, Outpatient IFCSS As above up to UCR CAL As above up to UCR limited to one visit per day Diagnostic X-ray and Lab Tests, Outpatient IFCSS As above up to UCR, no limits CAL As above up to UCR, $300 maximum per lifetime Psychotherapy, Outpatient IFCSS As above, $500 maximum per lifetime CAL 50% of UCR up to $30 per day, $300 maximum per lifetime Ambulance Services IFCSS As above up to UCR CAL As above up to UCR $150 maximum Alcoholism/Drug Abuse IFCSS As above, up to UCR CAL Paid under Psychotherapy benefits as above Elective Abortion IFCSS As above up to UCR, $500 maximum CAL As above up to UCR, $150 maximum Home Country Expenses IFCSS Covered up to $1,000 CAL Covered as above Repatriation IFCSS Expenses up to $200,000 CAL Expenses up to $10,000 Medical Evacuation IFCSS Expenses up to $200,000 CAL Expenses up to $10,000 Pre-Certification IFCSS Required for all Inpatient Hospital Stays, Penalty for non pre- cert is reduction in benefits CAL Required for all Inpatient Hospital Stays, Penalty for non pre- cert is NO BENEFITS Premium Rates IFCSS Annual Student: $396, Annual Student and Spouse $1980. CAL Annual Student: $375, Annual Student and Spouse $1875 Note: IFCSS has not had a rate increase over the last two policy years. Exclusions IFCSS Read your brochure carefully, page 3 CAL Read your brochure carefully, pages 5-7 Plan Administrator IFCSS International Group Services CAL Student Insurance Division Very Important: For the student, the premium difference between plans is $21.00 per year. The benefits are different and should be fully understood. When selecting a health insurance policy, one should carefully consider the out of pocket costs after a claim is filed. The differences shown above will surpass $21.00 very rapidly!! Please carefully review all limits, maximums and exclusions. INTERNATIONAL GROUP SERVICES IS ENDORSED BY NAFSA: ASSOCIATION OF INTERNATIONAL EDUCATORS. Contact International Group Services 1-800-394-25000 Independent Federation of Chinese Students and Scholars 1-202-347-00177 ********************************************************************* * IFCSS Headquarters Office * *-------------------------------------------------------------------* * President: Lin Changsheng Vice President: Shi Heping * * Exec. Director: Liu Xiaozhu Chief of Staff: Huang Songyun * *-------------------------------------------------------------------* * PBS-L is IFCSS's news distribution list for individuals. 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