教你waive掉万恶的美国大学保险

1. 选择适合你的保险
前往这个网站：www.isoa.org/?ref=2207700
你会看到这个界面，然后选择partnership下面的special school plans，如果有你所在的学校的名字，那么plan肯定完全符合你们学校的要求。如果这列表里面没有你学校的名字，那么去Health Insurance Plans里面，会有几个大众化的plans可供选择，购买前请看看policy是否符合你们学校的要求。万一不行的话，ISO会主动帮你联络学校，万一万一还是不行，他们会退款。找到你所在的学校之后，点击进入，然后里面就有针对你所在学校所设计出来的plan。
2.如何解读这份保险到底包含什么
比如说，你所在的学校是Penn，详细内容如下图。ISO提供$74美金一个月的plan (买九个月的就可以了！直接秒杀Penn的3200USD的plan). Deductible指的是保险公司理赔之前你需要垫的金额，等保险公司review完你的索赔之后，这钱会理赔给你；co-pay指的是你只需要付这么一个数字，剩下的都是保险公司买单。对于那些不是疾病缠身的同学，这个plan真的很划算。还有请注意右下角有一个pdf的按钮，点击打开的话，就可以看到详细的理赔方案。
3. 然后..
成功购买后，ISO会发给你一封email。其中里面有你的insurance ID，请把它打印下来，放在钱包里，以后去看病取药什么的都方便很多。
另外就是别忘了填写学校的insurance waiver。拿Penn举例，去这个网站： https://medley.isc-seo.upenn.edu/authentication/profile/websec?app=hardwaiver 很多你需要的信息都可以在email里的insurance ID里找到。（具体如果填写waiver，我等一下会更新）如果你不确定怎么填，那么可以联系保险公司。
如果你的大学在下面的名单里，那么恭喜你~ 你可以买到ISO专门依照你们学校的requirement所定制的plan~如果没有列出的话，可以在这个网站里所给出的大众化的几个plans看看，比如说Compass Gold, Compass Silver, ISO Med, 只要符合你们学校的要求就可以了。或者也可以在网站中给出的联系方式咨询一下。
网址：www.isoa.org/?ref=2207700
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