What's Covered By The GradGuard Student Health Plan?

Here is a summary of the medical benefits offered through the Student Health Plan, written on a group policy with College Parents of America.  For more information on the details of this policy, please review the plan brochure.

All state mandated benefits apply to this policy, based on the state in which the college or university of attendance is located.  

Insurance Benefits


Benefits Premium Plan Basic PLUS Plan Basic Plan
Deductible Options $1,500
$2,500
$5,000		 $500
$1,000
$2,500		 $2,500
Accident & Sickness Medical Expense (Per Condition) $750,000 $500,000 $100,000
Life Time Maximum None None None
Co-Insurance (IN-NETWORK) 80% 70% 70%
Preventative Care
Co-Insurance 80% None None
Deductable in Addition to Plan Deductible $100 N/A N/A
Mental Health
Co-Insurance 80% 70% 70%
Deductible in Addition to Plan Deductible None None None
Benefit Maximum $100,000 $50,000 $25,000
Prescription Drug Plan (Indemnity Plan)
Co-Insurance 80% 50% 50%
Deductible in Addition to Plan Deductible $250 $250 $250
Benefit Maximum $10,000 $1,000 $1,000
Emergency Room Visit (Waived if Admitted)
Co-Insurance 80% 70% 70%
Deductible in Addition to Plan Deductible $250 $250 $250
Lab & X-Ray (includes MRI, Radiation & Chemotherapy) 80% to $5,000 70% to $1,000 70% to $1,000
Deductible in Addition to Plan Deductible None None None
Physiotherapy 80% 70% 70%
(30 visits Max)
Deductible in Addition to Plan Deductible None None None
Inpatient & Outpatient Surgical Expense 80% 70% 70%
Deductible in Addition to Plan Deductible None None None
Inpatient & Outpatient Miscellaneous Hospital Expense 80% 70% 70%
Deductible in Addition to Plan Deductible None None None
Anesthesia 20% of Surgical 20% of Surgical 20% of Surgical
Assistant Surgeon Expense 20% of Surgical 20% of Surgical 20% of Surgical
Physician Office Visits (Inpatient & Outpatient) 80% UCR
(Unlimited)		 70% UCR
(Up to $75 per day)		 70% UCR
(Up to $75 per day)
Deductible in Addition to Plan Deductible None None None
Hernia Covered Covered Covered
Suicide Covered Covered Covered
Loss Due to Intoxication Covered Covered Covered
Injections Covered Covered Covered
Durable Medical Equipment Not Covered Not Covered Not Covered
Dental (Coverage for Sound & Natural Teeth ONLY) 80% 70% 70%
Pre-Existing Conditions:
Look Back Period 6 Months 6 Months 6 Months
Waiting Period 12 Months 12 Months 12 Months
Premium Plan Annual Rates
Deductible Options $1,500 $2,500 $5,000
Student ONLY - Ages 25 & UNDER $2,210 $2,009 $1,507
Student ONLY - Ages 26 & OVER $2,939 $2,672 $2,004
Spouse - Ages 25 & UNDER $5,526 $5,023 $3,767
Spouse - Ages 26 & OVER $7,348 $6,680 $5,010
Each Child $3,314 $3,013 $2,260
Basic PLUS Plan Annual Rates
Deductible Options $500 $1,000 $2,500
Student ONLY - Ages 25 & UNDER $2,075 $1,621 $995
Student ONLY - Ages 26 & OVER $2,760 $2,156 $1,323
Spouse - Ages 25 & UNDER $5,188 $4,053 $2,488
Spouse - Ages 26 & OVER $6,901 $5,390 $3,309
Each Child $3,113 $2,432 $1,493
Basic Plan Annual Rates
Deductible Options $2,500
Student ONLY - Ages 25 & UNDER $822
Student ONLY - Ages 26 & OVER $1,094
Spouse - Ages 25 & UNDER $2,053
Spouse - Ages 26 & OVER $2,733
Each Child $1,232

The Student Health Plan is a service of Next Generation Insurance Group, LLC and is underwritten by United States Fire Insurance Company, by Fairmont Specialty, a part of Crum&Forster.

Non-Medical Student Health Insurance Benefits

Travel Assistance Services

The Travel Assist Plan is designed to provide students who travel 100 miles or more from their home (or in a foreign country that is not the country of permanent residence), with worldwide, 24-hour, emergency assistance services during the term of coverage under the student accident and sickness plan. The assistance services are provided by On Call International (OCI).


Emergency Medical Transportation Services are provided up to a combined maximum limit of $50,000 for covered services. Key services include: Emergency Evacuation, Medically Necessary Repatriation, Repatriation of Remains, and Family of Friend Transportation Arrangements. All transportation related services; coverage and payments must be arranged and pre-approved by OCI.

Additional benefits included with membership in College Parents of America:

Tuition Insurance

  • $5,000 annual benefit / $2,500 semester benefit
  • 100% of covered fees due to Medical "disability" withdrawal
  • 100% of covered fees due to the Death of a "tuition payer"
  • 100% of covered fees due to the Death of a student
  • 100% of covered fees due to Medical "disability" withdrawal due to emotional, nervous or mental disorders

The coverage provided as part of membership in College Parents of America is triggered when a covered member suffers a loss as a result of medical withdrawal.  The loss is calculated as the non-refunded eligible tuition, academic fees and room and board that are not refunded to the enrolled member.

Identity Theft Protection & Resolution Services

College Parents of America Identity Theft Protection & Resolution Services provides Identity Fraud Support, Card and Document Registration and Lost/Stolen Credit Card Assistance. College Parents of America designed this service to address a large concern of parents – the safety and protection of their students' financial identity.

* Subject to exclusions