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  1. #1
    badkitty13's Avatar
    badkitty13 is offline Member 510 points
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    Angry SGU Health Insurance is worthless

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    Just want to post this for everybody filling out their health insurance confirmation forms. I know you have to have something, and I've always gone with the school plan since I have no other options in line, but I'd recommend anyone who can get another plan do so. MEGA Life & Health is the school's company, and I've had their policy for the past 3 years, and found that they cover NOTHING to date, including basic annual health checkups with PAP for us ladies, also including an MRI for a broken arm (my buddy broke it in Grenada, and had it looked after in the USA), as well as surgery and a hospital stay in the USA for the arm. I've talked to several fellow students who have had various complaints ranging from illness to traumatic injury and found that they worm their way out of paying for anything at all. So I'm sick of shelling out $1,500 a year for a plan that is essentially useless. If you have another option, use it. Good luck!
    Not bad meaning bad, but bad meaning good.Hidden Content


  2. #2
    PaddyMelt's Avatar
    PaddyMelt is offline Member 515 points
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    I could not agree more! After seeing several doctors, several emergency departments and having several procedures, they summarily denied ALL of my claims - in the hopes that I would simply start paying without asking any questions.

    DO NOT get the MEGA health plan. Try Blue Cross first!
    Happiness with a side of fries...

  3. #3
    BCoop8184 is offline Member 510 points
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    thanks for the heads up guys, I was just about to sign up with them, bad idea huh? anyone have anything else they would recommend? I should be kicked off my dad's plan any minute now!

  4. #4
    Rico's Avatar
    Rico is offline Senior Member
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    dont get SGU health plan. it really doesnt help you out at all.. go with Blue cross.

  5. #5
    centrinoduo is offline Junior Member 510 points
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    blue cross..

    i thought they only covered those in the US?

  6. #6
    drwanna is offline Member 510 points
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    I definitely wouldn't go with the school insurance either, its really expensive and when you look into the small print or ask questions about what exactly it does cover there is very little info. If your from the UK, and possibly other countries too, then I can recommend STA student insurance. Its valid for one whole year and you can add extras to it for very little, including laptop insurance, scuba diving beyond 30m, bungee jumping, camel racing, and lots of other fun stuff! I don't know how it compares with the american insurance, but I found it quite good so far and it was easy to arrange.

    If you take out your own insurance, sgu make you take out their evacuation insurance which costs $40, but interestingly they were unable to tell me whether they evacuate you to the US even if you are from a different country, I gave up asking in the end since they make you pay it anyway and thats covered by the STA insurance as standard (i think). sgu even cancelled my evacuation insurance when i was sick, without telling me and it was only when i asked them that they reinstated it...could have been interesting had i needed evacuating for a hurricane or something!!

  7. #7
    BCoop8184 is offline Member 510 points
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    Blue Cross student health insurance says, "Applicant must be a resident of or attend school in Bucks, Chester, Delaware, Montgomery or Philadelphia county in Pennsylvania."

  8. #8
    RussianJoo's Avatar
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    I don't know about you guys, but i am from NJ and Blue Cross is $350 a month, while the schools Mega Health is $1,500 for the year. So for someone like me that never gets sick and just has the insurance cause it's needed for school i think Mega life is the best option or should i say the cheapest. IF anyone knows other cheaper options please post them on here.
    Hollywood Upstairs School of Medicology, Class of 2010
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  9. #9
    EpiJunky's Avatar
    EpiJunky is offline Member 514 points
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    I thought IMG also offers a plan that's as, if not cheaper than the mega plan....International Medical Group - IMG

  10. #10
    rokshana is offline Member Guru 11629 points
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    Quote Originally Posted by BCoop8184 View Post
    Blue Cross student health insurance says, "Applicant must be a resident of or attend school in Bucks, Chester, Delaware, Montgomery or Philadelphia county in Pennsylvania."
    every state has their own version of BC/** and so long as you maintain your domicile- ie have a drivers license, voters registration, etc, the you are a resident of that state

    you are generally in gnd for only 4-6 months at a time, so generally you don't violate BC/** polices and are covered by them (at least my policy from Va says so for me)- you may have to pay out of pocket then file a claim... i wasn't ever sick in gnd, so i didn't have to test it out, but... my BC/** policy even had air evac included, so i didn't have to pay that extra 40 bucks!
    Endocrinology, Diabetes and Metabolism Fellow
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