Health insurance for international students in the US
US is a popular destination for international students, but figuring out health insurance can be daunting. We'll walk you through the US healthcare system and why it's important for international students to have a health plan while studying in the US.
In the US, healthcare is not universal like in many other countries, meaning there is no national system that international students can access. Therefore, anyone in need of health insurance must look into individual private care plans to find the right coverage. It is important for international students to research health insurance options before beginning their studies in the US to ensure they have the necessary coverage upon arrival.
Why should I get health insurance in the US?
Medical costs can be costly and hard to manage without assistance. An X-ray can range from $100 to $22,000 depending on the body area, making it challenging for international students to pay. Fortunately, there are health insurance plans that can provide coverage. For instance, students can find low-cost plans tailored to their needs. By taking out a policy that covers you as an international student abroad, you will be protected against any medical treatment or care you may require while studying.
How much does healthcare cost in the US for international students?
The cost of healthcare in the US for international students can vary depending on their university, state, and health background. Some universities may require students to be enrolled in a plan so that everyone attending the institution is covered. A student's visa category may also affect the requirements for applying for a plan.
For those that don't have a plan offered by their university, there are other ways to obtain health insurance. Plans can start from $1,500 to $2,500 per year, depending on the added extras and features. International students may find a better deal if they start their plan before arriving in the US. This information can also be used when applying for a visa.
How does health insurance work in the US?
Health insurance in the US operates differently from one provider to the next. Generally, providers are part of a network where they will pay medical bills directly to the doctor, hospital or clinic, removing the need for the individual to pay anything. Depending on the plan, there may be a set amount of cover available, for example two X-rays per year and one specialist appointment. Additionally, you may be asked to pay an excess, typically $100 or more, but the provider will then cover the rest.
In some cases, providers may reimburse you for any costs you paid up front. This means that you may have to pay a few thousand dollars initially before getting any money back. It's important to check with the insurance provider to understand how they finance medical bills to avoid any unexpected surprises.
All insurance companies require clients to complete and submit a claim form, along with supporting documentation, prior to determining whether the claim will be approved or not. This does not guarantee reimbursement for costs. If any misrepresentations on the application are detected or policy terms are violated, the insurer may deny coverage altogether. Therefore, it is vital to be truthful and provide all details accurately.
How can I find the right insurance plan?
Discovering the right insurance plan can be a challenge. US universities often have a group plan available to students, so it's worth inquiring about what is included. Additionally, there are several other options if your university does not provide coverage.
For instance, some universities require students to purchase a healthcare plan separately. Alternatively, universities may suggest an affordable health insurance plan for international students, which they deem suitable.
Considering the following questions can help you pick the best plan:
- What is the financial cost of the plan?
- How much can I afford to pay for medical care in a crisis?
- What is the regular payment for the insurance?
- Do I have any existing medical conditions that need to be taken into account?
- Is there a likelihood that I will require medical care in the future?
- Do I participate in activities that necessitate medical insurance?
Once you know the kind of coverage you require and how much you can spend, you can start to compare the plans available and select the one that best suits you. Make sure you explore each plan thoroughly and confirm that it provides all the coverage you need. The most cost-effective option may not provide full coverage, so be sure to check all the details.
How do international students get healthcare in the US?
To obtain healthcare in the US as an international student, here are the steps to take:
- Check if your university offers a plan that meets your needs.
- Inquire if the cost of the plan is included in your tuition or if you must pay additional fees.
- Research companies that provide health insurance for international students in the US.
- Consult with health insurance brokers to find a suitable plan at a good price.
- Determine what healthcare coverage you need and compare it to the plans available.
- Verify if you can include dependents in the plan (if applicable).
- Compare the plans and select the one that best suits your requirements.
- Make the necessary payment.
What are recommended health insurance plans for international students?
Recommendations for health insurance plans for international students include:
- IMG Global's Patriot Exchange Program, Student Health Advantage and Student Health Advantage Platinum.
- Cigna Global; Allianz Worldwide Care's Allianz Care Basic,
- Allianz Care Pro and Allianz Care Plus.
- Foyer Global Health's Essential, Special and Exclusive.
- HCCMIS' Student Secure.
- Geo Blue; and Global Underwriters' Diplomat America plan. Additionally, Now Health International is another option.
