University of Maine
Orono, ME

持有F1签并在University of Maine就读的留学生，以下的保险计划是能满足你学校要求的合适选择。

重要日期 — 留学生必须购买这整段时间的保险覆盖

Annual: August 1 – July 31
Spring 2025: January 1 – July 31
Summer 2025: June 1 – July 31

		最高保额	免赔额	每月保费 *
在线投保	Smart	$200,000	$0	$31
在线投保	Budget	$500,000	$0	$52
在线投保	Select	$1,000,000	$0	$104
在线投保	Elite	$5,000,000	$0	$178
在线投保	J1 ($500-/$100k+)	$5,000,000	$0–$500	$57.67
在线投保	J1 Compliant	$100,000–$2,000,000	$0–$500	$53.70
在线投保	J1 Compliant	$100,000–$1,000,000	$0–$500	$46.71 Ages 18-29

* 以上保费是24岁或以下人士年龄层的保费。

并列比较所有的保障

Smart
最高医疗保额 20万美元
每宗伤害或疾病的最高保额 $100,000
免赔额 $0(co-pays apply)
共同保险额度 In-Network: 80% of the next $100,000 of eligible expenses after applicable co-pays, then 100% to the overall maximum.

Out-Network: Usual, Reasonable, and Customary (URC)
已存在状况/疾病 (急性发作) $25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition only
See policy wording for full benefit description
已存在状况/疾病 不理赔
怀孕生育保障 不理赔
心理健康保障 Outpatient: $50 per day, $500
Inpatient: Up to $5,000
学校团队运动保障 不理赔
休闲、娱乐、健身等活动/运动 按保障条款覆盖
极限运动 Some exclusions apply
紧急医疗运送/遗体运送回国 $50,000 / $25,000

Budget
最高医疗保额 50万美元
每宗伤害或疾病的最高保额 25万美元
免赔额 $0 (co-pays apply)
共同保险额度 In-Network: 80% of the next $45,000 of eligible expenses after applicable co-pays, then 100% to the overall maximum.

Out-Network: Usual, Reasonable, and Customary (URC)
已存在状况/疾病 (急性发作) Additional $25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition during waiting period
See policy wording for full benefit description
已存在状况/疾病 12-month waiting period
怀孕生育保障 最高上限$5,000
心理健康保障 Outpatient: Max. 30 visits.
Inpatient: Max. 30 days of coverage.
Coverage includes drug and alcohol abuse.
学校团队运动保障 不理赔
休闲、娱乐、健身等活动/运动 按保障条款覆盖
极限运动 Some exclusions apply
紧急医疗运送/遗体运送回国 25万美元 / $25,000美元

Select
最高医疗保额 100万美元
每宗伤害或疾病的最高保额 50万美元
免赔额 $0 (co-pays apply)
共同保险额度 In-Network: 80% of the next $25,000 of eligible expenses after applicable co-pays, then 100% to the overall maximum.

Out-Network: Usual, Reasonable, and Customary (URC)
已存在状况/疾病 (急性发作) Additional $25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition during waiting period
See policy wording for full benefit description
已存在状况/疾病 6-month waiting period
怀孕生育保障 最高上限$10,000
心理健康保障 Outpatient: Max. 30 visits.
Inpatient: Max. 30 days of coverage.
Coverage includes drug and alcohol abuse.
学校团队运动保障 Coverage up to $5,000 coverage per injury / illness — medical expenses only for intercollegiate, interscholastic, intramural, or club sports
休闲、娱乐、健身等活动/运动 按保障条款覆盖
极限运动 Some exclusions apply
紧急医疗运送/遗体运送回国 $300,000 / $50,000

Elite
最高医疗保额 $5,000,000
每宗伤害或疾病的最高保额 50万美元
免赔额 $0 (co-pays apply)
共同保险额度 In-Network: 80% of the next $10,000 of eligible expenses after applicable co-pays, then 100% to the overall maximum.

Out-Network: Usual, Reasonable, and Customary (URC)
已存在状况/疾病 (急性发作) Additional $25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition during waiting period
See policy wording for full benefit description
已存在状况/疾病 6-month waiting period
怀孕生育保障 Up to $15,000
心理健康保障 Outpatient: Max. 40 visits.
Inpatient: Max. 40 days of coverage.
Coverage includes drug and alcohol abuse.
学校团队运动保障 Coverage up to $5,000 coverage per injury / illness — medical expenses only for intercollegiate, interscholastic, intramural, or club sports
休闲、娱乐、健身等活动/运动 按保障条款覆盖
极限运动 Some exclusions apply
紧急医疗运送/遗体运送回国 $50万美元 / $5万美元

America
最高医疗保额 $5,000,000
每宗伤害或疾病的最高保额 Choice of $50,000, $100,000, $250,000, or $500,000
免赔额 Choice of $0, $100, $250, $500 per illness or injury
共同保险额度 USA In-Network: Plan pays 90%; $1000 out-of-pocket maximum
USA Out-of-Network: Plan pays 80%; up to maximum limit
已存在状况/疾病 (急性发作) 不理赔
已存在状况/疾病 $500 per period of coverage, $1,500 maximum limit
Available after 12 months of continuous coverage
怀孕生育保障 不理赔
心理健康保障 Outpatient: $50 maximum per day; $500 maximum limit
Inpatient: $10,000 maximum limit
Not covered if incurred in student health center
学校团队运动保障 No Coverage
Optional Team Sports Add-on available, please select that option to view pricing.
休闲、娱乐、健身等活动/运动 按保障条款覆盖
极限运动 No Coverage
Optional Adventure Sports rider available, please select that option to view pricing.
紧急医疗运送/遗体运送回国 $50,000/$25,000

America
最高医疗保额 $50,000, $100,000, $250,000, $500,000 $1,000,000, or $2,000,000
(Ages 70 to 79: $50,000 or $100,000 limit; Ages 80+: $10,000 limit)
每宗伤害或疾病的最高保额 保障直至最高保额
免赔额 $0, $100, $250, $500, $1,000, $2,500 or $5,000
共同保险额度 扣除免赔额后，计划承担100%的合资格医疗费用直至最高保额
已存在状况/疾病 (急性发作) Only charges resulting from an Acute Onset of a Pre-existing Condition can be eligible for coverage. Coverage is for those under age 80 and is up to the policy maximum of the plan. For Emergency Medical Evacuation, an Acute Onset of a Pre-existing Condition is covered up to a $25,000 lifetime maximum.
See policy wording for full benefit description
已存在状况/疾病 不理赔
怀孕生育保障 只覆盖怀孕头第26周妊娠合并症的治疗费用
心理健康保障 不理赔
学校团队运动保障 不理赔
休闲、娱乐、健身等活动/运动 按保障条款覆盖
极限运动 Some exclusions apply
紧急医疗运送/遗体运送回国 $1,000,000 / Equal to the elected overall maximum limit

America - Plus
最高医疗保额 $50,000, $100,000, $500,000 or $1,000,000
(Ages 70 to 79: $50,000 limit; Ages 80+: $10,000 limit)
每宗伤害或疾病的最高保额 保障直至最高保额
免赔额 可选择$0, $100, $250, $500, $1,000 或 $2,500美元
共同保险额度 In Network: 100% Coverage
Out of Network: 80% coverage up to $5,000, then 100% up to the policy maximum
已存在状况/疾病 (急性发作) Only charges resulting directly from an Acute Onset of a Pre-existing Condition can be eligible for coverage prior to age 70 : Up to the maximum limit of the policy purchased
已存在状况/疾病 不理赔
怀孕生育保障 不理赔
心理健康保障 不理赔
学校团队运动保障 不理赔
休闲、娱乐、健身等活动/运动 按保障条款覆盖
极限运动 No Coverage
Optional Adventure Sports rider available, please select that option to view pricing.
紧急医疗运送/遗体运送回国 $1,000,000 / Up to the maximum limit