HMO's provide comprehensive health coverage for one annual fee. Preventive care and pharmaceuticals are included, but may require small co-payments. HMO insurance tends to be more expensive, but more services are offered and covered in full. Travel outside of the local HMO network can be a problem if you become ill but do not require emergency services. PPO's offer some of the traditional health insurance freedom of choice while often paying for more outpatient and preventive services, if they are rendered within the network.
Health insurance is required for all full-time students.
It protects both the students and the University. The Hopkins student health plan is a traditional indemnity health plan with a Preferred Provider Network. SAIS students receive treatment through the Georgetown University Student Primary Care Clinic. A list of the PPN providers is available at the Health Center, or in your school's student health insurance office, or on the Alliance website. The Student Health Insurance Committee assesses student needs, reviews plan options, and selects the plan which it feels will provide students with the best coverage available at the most affordable price.