I’m Christie and as a college student myself, I know you’ve got a lot to worry about. Christie Student Health wants to make sure health care isn’t one of them. You deserve a comprehensive student health care plan that’s also affordable.
Just answer a few simple questions to compare a student health plan with us to your parents’ plan.
Because Christie Student Health only insures college students — who are generally young and healthy — your premium might be lower than if you were on your parents’ health insurance plan. In fact, your parents’ employer might not even be covering a portion of your insurance at all. Keep in mind that the more your parents save, the better your care packages might be.
The average annual deductible per family member is $1,200. That could really cut into your budget for eating out, concerts or movies.
Christie Student Health uses a PPO network (Preferred Provider Organization). Unlike an HMO (Health Maintenance Organization), a PPO network is much larger and allows you to choose any provider that you like. If you see a Preferred Provider, you will pay less out-of-pocket costs.
With an HMO, you must choose a primary care physician from a list of approved providers and then get a referral to see a specialist like a dermatologist or orthopedist.
Christie Student Health gives you access to 800,000 providers across the country. This is also different than HMOs, which typically do not cover you out of state. This can be a problem if you’re not going to a local college. Additionally, we may work directly with your school’s student health center, which would mean that you would not have to pay upfront and then get reimbursed like you would on your parents’ plan.
Your parents’ plan might not cover you when you’re cheering on the football team at an away game or spending the semester abroad. If you ever need to be transported for medical care, it can cost as much as $30,000.
And we’re available if you have additional questions — call us at
The difference between the billed amount and the allowed amount. An in-network provider may not balance bill you for covered services.
A request for payment to your health insurer for services that you have already received.
Your share of the costs of covered health care services. This share is defined as a percentage of the allowed amount for the service, (for example, 20% coinsurance).
When a student is covered under 2 or more health insurance plans, this provision avoids duplication of benefits and helps establish an order in which the plans will pay for covered services. One insurance plan is determined as “primary” and the other becomes the “secondary” plan.
The fixed amount you pay for a certain covered health care service, usually paid at the time of service.
Any medically necessary and reasonable health expense that is included in your plan’s benefits.
The amount you pay for Covered Services before any payments are made by your insurance company.
A covered student’s spouse, child, or domestic partner, if offered.
Insurance policy terms that define the requirements for receiving health coverage under this plan.
Health care services that your health plan does not cover.
A statement sent by your health insurance company that describes how payment for a service was calculated.
An insurance enrollment process that requires showing proof of adequate health care coverage, as determined by your school.
A type of health benefit plan where members must choose a primary care physician (PCP) from a list of approved providers. Referrals from your PCP are required in order to receive benefits for a specialist visit.
Refers to the use of health care professionals who participate in your health plan's provider and hospital network.
Medical services provided after a patient is admitted to the hospital. Inpatient care lasts 24 hours or more.
Medical services that do not require admission to the hospital.
The maximum amount that you pay during your plan’s policy period before your health insurance will pay 100% of the allowed amount.
The total amount your plan will pay for covered services.
A type of health benefit plan that allows members to see any provider. Receiving services from in-network providers offers financial incentives such as lower out-of-pocket payments for these services.
The amount you pay to purchase your health insurance plan.
A general or family practitioner who provides and manages your care and gives referrals for specialist visits.
Written or electronic order from a primary care physician to see another provider for medically necessary care.
Care provided when you need immediate medical attention for an unforeseen illness or injury, but your condition is not so severe as to require emergency room care.