1. Health Insurance designed for the International Students of the THE TEXAS A&M UNIVERSITY SYSTEM 2011-2012 Underwritten By: Companion Life Insurance Company (A+) Administered by: Associated Insurance Plans International, Inc. (AIP) Administered by: Associated Insurance Plans International, Inc. (AIP) Serviced By: Dunlap Financial Services, College Station www.TAMUInsurance.com 800-452-5772

2. Student Health Insurance We’ve got you covered! All International Students attending TAMU-College Station will be insured under the A&M 200K International Student Insurance Plan. Fall Semester Coverage provided to midnight on December 31, 2011. Fall Semester Coverage provided to midnight on December 31, 2011. Spring/Summer Semester Coverage provided to midnight on August 16, 2012. Spring/Summer Semester Coverage provided to midnight on August 16, 2012. Benefits are provided 24 hours each day, anywhere in the world. Benefits are provided 24 hours each day, anywhere in the world. www.TAMUInsurance.com 800-452-5772

3. Some “insurance terms” you need to know Preferred Provider – An organization where providers are under contract to an insurance company or health plan to provide care at a discounted or negotiated rate. Preferred Provider – An organization where providers are under contract to an insurance company or health plan to provide care at a discounted or negotiated rate. Deductible – a specified amount the insured must pay before the insurance company begins to make any payments to your providers for medical treatment. Deductible – a specified amount the insured must pay before the insurance company begins to make any payments to your providers for medical treatment. Co-Insurance – a specified percentage the insured is required to pay for all covered medical expenses remaining after the deductible has been met. Co-Insurance – a specified percentage the insured is required to pay for all covered medical expenses remaining after the deductible has been met. Co-Pay – a specified amount the insured must pay towards medical treatment or prescriptions. Co-Pay – a specified amount the insured must pay towards medical treatment or prescriptions. Pre-Existing Condition - A health insurance policy provision stating that benefits will not be paid for any illness and/or condition that existed prior to one becoming an insured under the particular health plan in question, until the insured has been covered under the policy for a specified period. Pre-Existing Condition - A health insurance policy provision stating that benefits will not be paid for any illness and/or condition that existed prior to one becoming an insured under the particular health plan in question, until the insured has been covered under the policy for a specified period. www.TAMUInsurance.com 800-452-5772

4. Preferred Providers 1. A.P. Beutel Student Health Center - 100% reimbursement for covered medical expenses treated at the Health Center. 1. A.P. Beutel Student Health Center - 100% reimbursement for covered medical expenses treated at the Health Center. 2. PHCS National Preferred Provider Network - 80% reimbursement for Network treatment. 2. PHCS National Preferred Provider Network - 80% reimbursement for Network treatment. 3. Beech Street National Preferred Provider Network - 80% reimbursement for Network treatment. 3. Beech Street National Preferred Provider Network - 80% reimbursement for Network treatment. 60% reimbursement for out-of-Network treatment. 60% reimbursement for out-of-Network treatment. Outside the United States the Preferred Providers are not available, but benefits will be reimbursed at 80%. Outside the United States the Preferred Providers are not available, but benefits will be reimbursed at 80%. www.TAMUInsurance.com 800-452-5772

5. Deductible $250 each plan year ($500 for family) $250 each plan year ($500 for family) NOTE: The deductible is always waived for medical treatment received at A.P. Beutel Student Health Center. www.TAMUInsurance.com 800-452-572

6. Co-pays Outpatient Physician visit Outpatient Physician visit $25 plus 20%/40% of the remaining charges Urgent Care Treatment Center: Urgent Care Treatment Center: $25 plus 20%/40% of the remaining charges Emergency Room (ER) visit: Emergency Room (ER) visit: $250 plus 20%/40% of the remaining charges $250 plus 20%/40% of the remaining charges www.TAMUInsurance.com 800-452-5772

7. Co-pays and Pharmacy At the Student Health Center $15 co-pay per 30 day supply (paid at 100% to $500 per policy year). $15 co-pay per 30 day supply (paid at 100% to $500 per policy year). Prescription Drug Card: cost of prescription medication to $1,000 per policy year, subject to a co-payment per 30 day supply. Prescription Drug Card: cost of prescription medication to $1,000 per policy year, subject to a co-payment per 30 day supply.Co-pays: $ 15 co-pay for generic $ 15 co-pay for generic $25 co-pay for brand $25 co-pay for brand $35 co-pay for single source $35 co-pay for single source (Contraceptives are included.) www.TAMUInsurance.com 800-452-5772

8. Additional Benefits Accidental Death & Dismemberment: $5,000 Accidental Death & Dismemberment: $5,000 Repatriation of mortal remains: Repatriation of mortal remains: $15,000 for International students Medical Evacuation: up to $25,000 (advance approval required) Medical Evacuation: up to $25,000 (advance approval required) Travel Assistance: Referrals to the nearest most appropriate facilities and providers - with guarantees of payment to providers, and assistance in coordinating insurance benefits. Travel Assistance: Referrals to the nearest most appropriate facilities and providers - with guarantees of payment to providers, and assistance in coordinating insurance benefits. 24 hour Nurse Advice Line 24 hour Nurse Advice Line www.TAMUInsurance.com 800-452-5772

9. $200,000 per condition $200,000 per condition Maximum Benefit www.TAMUInsurance.com 800-452-5772

10. Policy Limitations www.TAMUInsurance.com 800-452-5772 Note: This policy provides benefits for accidents and sicknesses. Routine care for “wellness” is not covered. Pre-existing conditions: Pre-existing conditions: Pre-existing conditions are covered if (1) you are 12 months treatment free from your pre-existing condition; or (2) you have been continuously insured through an insurance plan, or through your country or government for 18 consecutive months prior to enrolling in this TAMU insurance plan; or (3) you have been continuously insured for 12 months under any TAMU student plan. Pre-existing conditions are covered if (1) you are 12 months treatment free from your pre-existing condition; or (2) you have been continuously insured through an insurance plan, or through your country or government for 18 consecutive months prior to enrolling in this TAMU insurance plan; or (3) you have been continuously insured for 12 months under any TAMU student plan. Exception to pre-existing condition limitation: Exception to pre-existing condition limitation:Maternity Policy Exclusions: Read your brochure carefully. Policy Exclusions: Read your brochure carefully.

11. How do I file a claim? 1) Secure the necessary medical treatment. 1) Secure the necessary medical treatment. 2) Obtain itemized bills from your doctor or other provider. 2) Obtain itemized bills from your doctor or other provider. 3) Complete a claim form. Make sure you answer all of the questions or your reimbursement may be delayed. 3) Complete a claim form. Make sure you answer all of the questions or your reimbursement may be delayed. 4) Mail your completed claim form and itemized bills to Administrative Concepts, Inc. 4) Mail your completed claim form and itemized bills to Administrative Concepts, Inc. 994 Old Eagle School Road, Suite 1005 Wayne, PA 19087-1802 www.TAMUInsurance.com 800-452-5772

12. Options for Dental & Vision Coverage Discount Card Option: low annual premium for pharmacy, dental, and vision discounts low annual premium for pharmacy, dental, and vision discounts Participating providers include all major vision and pharmacy chains Participating providers include all major vision and pharmacy chains No claim forms to complete No claim forms to complete Discount is immediate at the time of service Discount is immediate at the time of service Dental & Vision Insurance Option: Choice of 3 plans with different Choice of 3 plans with different co-insurance options co-insurance options Choice of $1,000, $1,500 or $2,000 annual maximum benefit Choice of $1,000, $1,500 or $2,000 annual maximum benefit No waiting period No waiting period Optional Vision coverage Optional Vision coverage Premium as low as $20 per month for annual coverage Premium as low as $20 per month for annual coverage www.TAMUInsurance.com 800-452-5772

13. Information Available At: www.TAMUInsurance.com Description of Coverage Description of Coverage Dependent Enrollment Links Dependent Enrollment Links Print Identification Card Print Identification Card Preferred Provider Look-up Preferred Provider Look-up Claim Forms Claim Forms Online Claim Status Inquiry Online Claim Status Inquiry Claim Procedures Claim Procedures Frequently Asked Questions Frequently Asked Questions Student Insurance Survey Student Insurance Survey Dental and Vision Coverage options Dental and Vision Coverage options 800-452-5772

14. Questions and Assistance Contact AIP for personal attention Monday through Friday, 8:00 a.m. to 7:00 p.m. (CST) (800) 452-5772 or email us through www.TAMUInsurance.com or contact our Representative in College Station (located in the Bank of America building): Dunlap Financial Services (979) 260-9632