APM 430 Student Services Fees and Insurance Options
Applies to APM 430 student programs with start or renewal dates of September 1, 2021 onward*
Departments are required to purchase primary insurance coverage and student service fees on behalf of international APM 430 students staying at UCSF for 90 days or longer.* Departments must purchase APM 430 international students’ primary insurance through the specific vendors vetted below by SHCS (see insurance options).
This policy is optional for departments sponsoring domestic APM 430 students for at least 90 days or longer. If the department opts in to purchasing this insurance for domestic students, the department must purchase the insurance AND pay for the SHCS fee.
Estimated Fees
|
Item |
Estimated fee** |
How fee is assessed |
|---|---|---|
|
SHCS-vetted primary care insurance plan (international student) |
Approximately $500 - $700 or more per academic quarter (calculated based on a min. 90-day appointment), depending on coverage plan selected and student's date of birth. These are just estimates, and your actual plan may vary from this range. You should be prepared to see a higher or lower per month cost. |
Department purchases directly through respective SHCS-vetted insurance company. This is not paid to UCSF, which is why the department must work with insurer directly. The host department/PI will use BearBuy to make these purchases. Please see the separate enrollment procedure pages for Student Medicover and PSI. This only applies to international students whose appointments are 90 days or longer. |
|
Student Services Fee (allows direct access to SHCS) |
$261/month |
SAA-GD charges through chart of accounts or SpeedType. This chart string will be included on the bottom of page 2 of the insurance and supplemental fee form. This only applies to international students whose appointments are 90 days or longer. |
**UCSF fees subject to change without notice
UCSF fee assessment: The student services fees are charged through the department’s chart of accounts (COA) or SpeedType. Checks are not accepted. Departments are responsible for purchasing one of the primary care insurance plans vetted by UCSF’s SHCS (see insurance options below). Primary insurance coverage fees and UCSF fees should not be assigned to the APM 430 student.
Insurance Options
PLEASE NOTE: Selecting an insurance plan outside of the four listed below will cause your APM430 appointment request to be rejected. No plans outside of the four listed below are pre-approved with Student Health and Counseling.
In collaboration with visiting students, departments are required to purchase APM 430 students’ primary insurance through specific vendors vetted by SHCS. Unfortunately, alternative insurance plans do not meet the Student Academic Affairs and the Graduate Division's insurance requirements, including plans offered through foreign governments/institutions. If a non-SHCS-approved insurance policy is initially purchased, the plan will need to be canceled at the cost of the Department and the SHCS-vetted plan must be purchased prior to approving the APM 430 student appointment.
The only insurance options approved by SHCS, offered by PSI and MediCover, are below. (follow links below for rates)
PSI Options
Once you get to this selection above, the eligibility status for both PSI options is "Full-Time J1 Visa Student".
MediCover Options
Insurance Plan Comparison
Coverage subject to change annually. Check respective insurance websites for most recent info.
| Description | PSI CA Platinum 0 Plan | PSI CA Platinum 100 Plan | Student Medicover - Elite | Student Medicover - Prime 100 |
|---|---|---|---|---|
| Eligibility | Visiting scholars, optional practical training students and formal English as a Second Language program students with an F1 or J1 visa are eligible to enroll in this insurance plan. | Visiting scholars, optional practical training students and formal English as a Second Language program students with an F1 or J1 visa are eligible to enroll in this insurance plan. | Visiting scholars, optional practical training students and formal English as a Second Language program students with an F1 or J1 visa are eligible to enroll in this insurance plan. | Visiting scholars, optional practical training students and formal English as a Second Language program students with an F1 or J1 visa are eligible to enroll in this insurance plan. |
| U.S. Provider Network | Aetna | Aetna | UnitedHealthcare | UnitedHealthcare |
| Maximum Benefit Payable | Unlimited | Unlimited | Unlimited | Unlimited |
| Lifetime Maximum | Unlimited | Unlimited | Unlimited | Unlimited |
| In-network Deductible | $0 | $100 | $0 | $100 |
| Out-of-network Deductible | $100 | $250 | $500 | $300 |
| Plan Coinsurance In-network | 80% Preferred Allowance | 80% Preferred Allowance | 90% Preferred Allowance | 80% Preferred Allowance |
| Plan Coinsurance Out-of-network | 70% UCR | 70% UCR | 70% UCR | 70% UCR |
| Outpatient Office Visit Copayment - In-network | $25 | $25 | $20 | $25 |
| Outpatient Office Visit Copayment - Out-of-network | $25 | $25 | 70% UCR | 70% UCR |
| Emergency Room Copayment - In-network | $100 | $100 | $150 | $200 |
| Emergency Room Copayment - Out-of-network | $100 | $100 | $150 | $200 |
| Urgent Care Copayment - In-network | $50 | $50 | $50 | $50 |
| Urgent Care Copayment - Out-of-network | $50 | $50 | $50 | $50 |
| Out-of-pocket Maximum - In-network | $6,350 | $6,350 | $5,000 | $6,350 |
| Out-of-pocket Maximum - Out-of-network | Unlimited | Unlimited | $7,000 | $8,000 |
| Pre-Existing Conditions | Pre-Existing Conditions are covered without a Waiting Period | Pre-Existing Conditions are covered without a Waiting Period | Prime, and Elite plans do not have limits on pre-existing conditions. | Prime, and Elite plans do not have limits on pre-existing conditions. |
| Diagnostic Testing (x-ray, laboratory, MRI, PET, CT) In-network | 80% Preferred Allowance | 80% Preferred Allowance | 90% Preferred Allowance | 80% Preferred Allowance |
| Diagnostic Testing (x-ray, laboratory, MRI, PET, CT) Out-of-network | 70% UCR | 70% UCR | 70% UCR | 70% UCR |
| Therapeutic Services, Physical Therapy, Manipulative, Cardiac Rehab, Vocational and Speech Therapy, and Acupuncture - In-network | 80% Preferred Allowance | 80% Preferred Allowance | $30 copay | $30 copay |
| Therapeutic Services, Physical Therapy, Manipulative, Cardiac Rehab, Vocational and Speech Therapy, and Acupuncture - Out-of-network | 70% UCR | 70% UCR | $30 copay | 70% UCR |
| Mental Health Outpatient Visit - In-network | $25 | $25 | $20 | $25 |
| Mental Health Outpatient Visit - Out-of-network | $25 | $25 | 70% UCR | 70% UCR |
| Prescription Drugs | $20 copay Tier 1 $40 copay Tier 2 $60 copay Tier 3 |
$20 copay Tier 1 $40 copay Tier 2 $60 copay Tier 3 |
$15 copay Tier 1 30% Coinsurance Tier 2 50% Coinsurance Tier 3 |
$15 copay Tier 1 30% Coinsurance Tier 2 50% Coinsurance Tier 3 |
|
*Departments are responsible for purchasing SHCS-approved primary insurance coverage and independently understanding/complying with the insurance company’s policies, including cancellation/amendment policies. Student Academic Affairs and the Graduate Division are unable to intervene on behalf of departments or students regarding insurance matters. |
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