Hello all, I need some help by tomorrow, 7/31. I will be starting a grad program at the University of Florida and am required to have health insurance. The school provided plan is $3,100 per year, and I have been looking at healthcare.gov, where I have found a couple plans for less than $500 per year and wondering if these are legit and will be sufficient to meet the minimum requirements.

Below are the requirements of my school, and the plans I am looking at are:

Ambetter from Sunshine health Focused Silver + Vision + Adult Dental
Ambetter from Sunshine health Everyday Silver + Vision + Adult Dental
Ambetter from Sunshine health Standard Silver + Vision + Adult Dental

Here are the requirements:

Minimum Coverage Guidelines

All health insurance plans must adhere to the Affordable Care Act’s regulations. Proof of comparable coverage or the minimum coverage guidelines that can be used to see if you are eligible to “opt out” of the Student Health Insurance Plan for domestic students are defined as:

Your plan does not have any limitations or exclusions on pre-existing conditions. Your plan covers hospital stays for medical and surgical care and for mental health conditions. Your plan covers doctor office visits for medical and mental health conditions. You plan covers prescriptions written by a doctor (If you are covered for prescription benefits through a third party vendor — Merck Medco, CVS Caremark, Express Scripts, etc., that is acceptable). Access to a provider network within approximately an 80 mile radius of the student’s home campus is available. Coverage must be available for routine, diagnostic, urgent and hospital care. Coverage for telehealth, urgent, or emergency care IS NOT sufficient. Your plan covers services related to injury from participation in all types of recreational activities or recreational sports, excluding intercollegiate athletics. If your plan has an annual deductible, EITHER: It must be equal to or less than $1.500; OR You confirm you have financial means to meet the higher deductible amount. Your plan covers maternity care, including prenatal care and delivery with no pre-existing condition limitations (males please check “Yes”). Your plan provides coverage for diagnostic services, including laboratory tests. Your plan pays at 70% or more of usual, customary, reasonable charge per accident or illness, after deductible is met, for in-network, and 50% or more of usual, customary, and reasonable charge for out-of network providers per accident or illness.

Wondering what plan would be best. TIA!

submitted by /u/Short_Background4956
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