If you are an international student, you’ll soon realize that the first thing that Hollywood did not prepare you for is the high cost of U.S. healthcare. Especially for students from another country, international student insurance is a confusing yet essential part of American life. Knowledge is power, and a student must know the basics of how student insurance works.
Most colleges and universities require that a student be adequately insured when enrolling as a full-time student. Usually, colleges and universities have a basic student insurance plan in place that students are enrolled in by default. To opt out, you must prove that you have insurance with equal or better benefits.
U.S. students may be eligible for insurance under their parents’ insurance plan and may not purchase any additional insurance. You can choose either the college-sponsored international student insurance plan or an “outside” plan with equal or better coverage. Remember to check the details of your college-sponsored plan; it is sometimes more expensive and offers little flexibility in terms of options.
There are two ways to go about purchasing international student insurance outside the college: calling an agent or checking prices online. Going the online route can provide the convenience, flexibility and non-pushy atmosphere that an international student will benefit from to make the best choice.
Coverage for dependents is an important factor when shopping for international student insurance plans online. However, they can be added to the international student health insurance plan. They can also be covered under separate short-term insurance plans.
If an international student decides to purchase outside international student health insurance, the college may require a waiver form to be filled. To sign this, the student must have insurance that satisfies the college’s specified criteria. With a simple phone call, most online insurance Web sites will be able to guide and suggest insurance products that meet the criteria.
Typical coverage that an international student health insurance plan provides include inpatient and outpatient treatment, prescription medicines, maternity, mental health, sports injuries, emergency medical evacuation, accidental death and dismemberment, and repatriation of remains.
International student health insurance is only valid until the plan holder remains a full- time student. If a student is under the Optional Practical Training period after graduation, he/she must look for other insurance. You can consider purchasing short-term insurance plans for that period.
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