My son is 16 years old and is going to University of Pennsylvania this fall. I was wondering if any insurance companies meet the following requirements made by the University?
Plan must be provided by a company licensed to do business in the United States, with a U.S. claims payment office and a U. S. phone number.
Plan does not exclude coverage for pre-existing conditions (or have been in effect long enough that any waiting period has passed)
Plan must provide coverage for both in-patient and out-patient medical care in the Philadelphia area, including specialist visits and diagnostic testing. Emergency or urgent only care is not sufficient.
Plan must provide coverage for both in-patient and out-patient mental health care in the Philadelphia area. Emergency or Urgent only care is not sufficient.
Plan must offer a lifetime maximum benefit of at least $500,000 in coverage.