2024~2025 USC 南加州大学保险替换攻略,最高立省$1100

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USC

本文将为同学们展示全面、完整的2024~2025 USC 南加州大学保险替换攻略(春季)

附上 GoGloblalSafe 全新 2024-2025 USC ACA 计划,校医院免除自付额和共付额,网络内就诊可直接结算无需垫付

仅需10分钟,和我们一起Waive ,立省一部iPhone!

内容一览

1. USC 南加州大学 2024-2025 保险替换(春季)截止日期

2. 什么是保险替换 Waive?

3. 为什么 USC 南加州大学的同学选择 GGS 进行 保险替换 Waive?

4. 如何完成 USC 南加州大学保险替换?

5. 常见问题举例

1. USC 南加州大学 2024 - 2025 保险替换截止日期

保险替换春季截止日期:2025.1.31

Days
Hours
Minutes
Seconds

2. 什么是保险替换 Waive?

● 美国学校大都强制要求学生集体购买校内医疗保险,且学校医保价格大幅上涨。但很多学校(USC 开放新的Waive通道)允许学生购买符合学校规定的校外保险学生可以用其替换校内保险,这个操作称为保险替换(Waive)
● 替换成功之后,就可以免掉学费中关于健康保险这一项的费用

● 如果已经在缴纳学费的时候交过保险费也没有关系,豁免成功后,学校会退回到你的学生账户

3. 为什么 USC 南加州大学的同学 选择 GGS 进行 保险替换 Waive?

● 【校方认可,100% waive成功】

三款 USC Elite 计划均通过USC校方Pre-Approval,100%waive成功(秋季已验证百分百通过),也是目前市面上极少符合美国ACA规定的健康保险计划

 【性价比更高的保险价格】

留学生专属保险拥有比校内更大用户基数,考虑留学生拥有更好的身体健康状况和更年轻的年龄,针对性的对不同年龄采取不同的价格设计,使18-25岁年龄段整体价格普遍优于学校价格

 更广的医疗网络】

部分使用学校的是这类HMO或者POS医疗网络,医疗网络灵活度有限,在看专科前需要由主要保健医生PCP进行转诊才可以就诊。GGS所提供的计划皆为UHC PPO计划,可自由选择网络外部的全科、专科以及专科医生,无需转诊

 更贴心服务】

GoGlobalSafe将协助同学们完成waive流程,提供更加高效和贴心的服务。

 

附:对比图

25春季【校内计划对比图】——tier1 01

4. 如何完成 USC 南加州大学的保险替换?

第一步:选择一款 USC ACA 计划

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{{accidental_death}} —— {{ product.accidental_death ? "$" + product.accidental_death : '' }}
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第二步:登录学校网站 提交waiver

1. 登录学生后台:点击【登录】(学校waive入口)

2. 左侧选择waive

3. 填写保险相关信息(所有内容根据保险ID Card填写) 

4. 上传保险ID card正面和背面

5. 提交 (Process Anyway) 并等待学校审核通过即可

 

查看视频指引:

waive成功展示:

WechatIMG183

5. 常见问题

【Deductibles 免赔额】

这个数额代表了在保险公司开始赔付之前需要自己支付的金额
例如选择的计划显示这个数额是500美元,代表在这一年度内自己需要支付前500美元医疗费用,之后保险公司才会介入开始支付。
 
【Co-payment (SHC) 共付额】
在SHC也就是学生健康中心就诊时,每次都需要先支付的一小部分费用,类似于国内的挂号费,需要自己支付,显示为0美元的话代表不需要支付。
 
【Co-insurance (in-network) 共付比例】
网络内的共付比例:在自己支付了免赔额后,剩余的部分和保险公司按比例分摊,例如共付比例80%,就表示保险公司支付80%,自己支付20%。
在线设置账户非常快捷方便。只需访问 Teladoc® 网站,点击“设置账户”,然后按照详细说明操作即可。
点击此处 查看保险卡的详细介绍。
牙科:19岁以下儿童的预防性牙科服务(包括口腔检查,每6个月一次清洁和氟化物治疗,每36个月一次密封剂,每6个月一次空间维护和X光检查)
 
视力:19岁以下儿童的眼科检查和眼镜(每个福利期包括一次眼科检查和一副眼镜)
是的,该计划涵盖成人健康护理IN-Network。包括定期常规健康检查、常规妇科检查、免疫疫苗(如HPV,Flu shot等)接种和相关预防服务,如前列腺特异性抗原(PSA)、常规乳房X光检查、乳房X光检查和结肠镜检查,用于结直肠癌筛查。(请参阅政策中预防服务的福利说明)。
USC Elite计划支持校内Keck Medicine of USC医疗网络,点击查看
USC所有学生计划也支持Aetna PPO网络,你可以很容易地找到你附近的医生。
 
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