University of New Mexico - Gallup
Gallup, NM
University of New Mexico has selected the Student Secure health insurance plan(s) for international students because they provide comprehensive coverage at affordable rates. Students can choose 1 of 4 plans.
Students are encouraged to review each plan’s benefits, exclusions and frequently asked questions to familiarize themselves with how the plans work and what they cover. Please follow these steps to purchase coverage:
- Read the policy information and select the plan that is best for you. Be sure you read what is covered and what is not by each plan.
- Select the Apply Online link to start the purchase process.
- If your program will end in FALL 2022, you are required to have insurance that ends AFTER December 17, 2022. If you are staying for the Spring semester, you need to have insurance until at LEAST January 15, 2023 and then extend your policy before it expires – Exchange students MUST have insurance from the date of arrival in the US until the date of departure from the country. If you are staying for the next semester, you need to make sure your policy covers you until the start of the next semester. If you allow the coverage to expire, your deductibles and waiting periods will start over.
- Once you have purchased coverage, you will need to download your visa letter in the Student Zone to upload in the myGEO portal as proof of coverage.
- Students are responsible for having health insurance coverage for their ENTIRE stay in the U.S. You should never let your insurance policy expire as long as you remain in the U.S.!
| Policy Max | Deductible | Brochure | Price per month * | |||
|---|---|---|---|---|---|---|
 |
Smart | $200,000 | $0 | $31 | ||
|
|
Budget | $500,000 | $0 | $52 | ||
|
|
Select | $1,000,000 | $0 | $104 | ||
|
|
Elite | $5,000,000 | $0 | $178 | ||
* rates are based on students aged 24 and under unless otherwise noted.
Compare Plan Level Benefits
- Smart
- Medical Maximum $200,000
- Per Injury/Illness Maximum $100,000
- Deductible $0(co-pays apply)
-
Coinsurance
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) -
Pre-existing Conditions (Acute Onset)
$25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition only
See policy wording for full benefit description - Pre-existing Conditions Not Covered
- Maternity Not Covered
-
Mental Health
Outpatient: $50 per day, $500
Inpatient: Up to $5,000 - School Team Sports Not Covered
- Recreational, Fitness and Leisure Activities Covered per policy conditions
- Adventure Sports Some exclusions apply
- Emergency Medical Evacuation/Repatriation $50,000 / $25,000
- Budget
- Medical Maximum $500,000
- Per Injury/Illness Maximum $250,000
- Deductible $0 (co-pays apply)
-
Coinsurance
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) -
Pre-existing Conditions (Acute Onset)
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 - Pre-existing Conditions 12-month waiting period
- Maternity Up to $5,000
-
Mental Health
Outpatient: Max. 30 days of coverage.
Inpatient: Max. 30 visits.
Coverage includes drug and alcohol abuse. - School Team Sports Not Covered
- Recreational, Fitness and Leisure Activities Covered per policy conditions
- Adventure Sports Some exclusions apply
- Emergency Medical Evacuation/Repatriation $250,000 / $25,000
- Select
- Medical Maximum $1,000,000
- Per Injury/Illness Maximum $500,000
- Deductible $0 (co-pays apply)
-
Coinsurance
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) -
Pre-existing Conditions (Acute Onset)
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 - Pre-existing Conditions 6-month waiting period
- Maternity Up to $10,000
-
Mental Health
Outpatient: Max. 30 days of coverage.
Inpatient: Max. 30 visits.
Coverage includes drug and alcohol abuse. - School Team Sports Coverage up to $5,000 coverage per injury / illness — medical expenses only for intercollegiate, interscholastic, intramural, or club sports
- Recreational, Fitness and Leisure Activities Covered per policy conditions
- Adventure Sports Some exclusions apply
- Emergency Medical Evacuation/Repatriation $300,000 / $50,000
- Elite
- Medical Maximum $5,000,000
- Per Injury/Illness Maximum $500,000
- Deductible $0 (co-pays apply)
-
Coinsurance
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) -
Pre-existing Conditions (Acute Onset)
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 - Pre-existing Conditions 6-month waiting period
- Maternity Up to $15,000
-
Mental Health
Outpatient: Max. 40 days of coverage.
Inpatient: Max. 40 visits.
Coverage includes drug and alcohol abuse. - School Team Sports Coverage up to $5,000 coverage per injury / illness — medical expenses only for intercollegiate, interscholastic, intramural, or club sports
- Recreational, Fitness and Leisure Activities Covered per policy conditions
- Adventure Sports Some exclusions apply
- Emergency Medical Evacuation/Repatriation $500,000 / $50,000
Other Student Categories
If you're a student in one of these other categories, our plans are excellent solutions and may work for you. You can learn more about these plan options:
Contact Us
If you need help selecting a plan or enrolling in a policy, please contact our customer service team, and they would be happy to help.- Toll Free: (877) 758-4391
- Direct/International : +1 (904) 758-4391
- Email: info@internationalstudentinsurance.com
International Student Insurance has gathered this information as a resource for international students, and this resource does not intend to imply a relationship between your school and our website or company. You should always double-check directly with your school and with our customer service team to ensure that our plans meets your school's international student insurance requirements.