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Posts Tagged ‘school insurance requirements’

How Can I Meet My Schools Insurance Requirements in the USA?

Monday, July 27th, 2009

This is a question that we are continually being asked, and especially as we head into August – its something we hear more and more often. For schools in the USA, they will require all students to obtain or purchase some form of coverage before they will let you enroll in classes – and you will run into a few scenarios:

  1. Schools will require you to enroll in their health plan – you have no choice and no right to waive out
  2. Schools will strongly suggest you to enroll in their plan – but you can waive out if you show proof of other, comparable coverage.
  3. Schools will let you choose and purchase your own insurance plan (either with, or without coverage guidelines)

In the first scenario – you will have no choice but to accept the schools insurance plan and pay for it. This is becoming more popular for schools to handle their insurance this way as the schools can regulate the coverage and will know what all their students are covered for.

The second and third scenario are also very common, but it has become increasingly complex for students to try and find coverage as many schools will require the insurance to meet certain guidelines and levels. Schools will also use what they call “Insurance Waiver Forms” which are documents that need to be completed by students who do not wish to purchase the schools insurance plan. It will contain your details, the details about the plan you have purchased and must be signed by your insurance company to show that the plan you have purchased meets their requirements.

Of course, this system can seem daunting and complex to many international students. So, to assist students, we have created the International Student School Insurance Requirement Database – which lists nearly every school in the USA and what their requirements are. You can quickly learn if our plans will meet your schools requirements, and in most cases we offer a link to your schools insurance section and to your insurance waiver form along with instructions on how to complete and submit the waiver form.

If you have any questions or need assistance finding an international student insurance plan, then let us know!

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Posted in Country Requirements, International Student in the USA | No Comments »

 

New Database for College Insurance Requirements!

Tuesday, February 20th, 2007

Applying to become an international student and studying outside of your home country can be a daunting task at times. So, many things are going through your mind and you must remember to have certain forms properly filled out, meet deadlines, find enough money to fund your education and then travel thousands of miles to a school that you may have only visited once. If you find yourself in this predicament, you may want to visit InternationalStudent.com to help you learn more about the USA. This site has a very helpful Study USA Advice Center.

So, then your school tells you that you must have health insurance either through their provider or an alternate provider which you must find on your own means. You learn though that the alternate insurance plan must meet certain requirements. These requirements are usually extensive and can be quite confusing. At this point, you may just want to throw up your hands and pay the school’s insurance fee. However, it may well be worth the time and effort locating a new plan. In a lot of cases, the school’s insurance plan can cost you double what alternate plans may cost. So, to make your life a little bit easier, we’ve added a school insurance requirements database to our website.

This feature will allow you to look up your school by state and identify whether or not our Student Secure Health Insurance plan will meet your school’s requirements. Instead of searching for hours for an inexpensive and acceptable plan on the internet, you will now have the tool to know right away. Through our extensive research, we have identified which level of our plan meets your school’s requirements. Inevitably, this will save you time and money and the guesswork will be minimized.

Click here to view the School Insurance Requirements Database for colleges or universities in the U.S.

If you do decide to waive your school’s insurance policy, then you’ll want to check with your school and see if you need to complete a compliance form. Once you sign and complete this form, we can fax it to your school. Also, once you apply for the plan, you will receive all of your insurance documents via e-mail if you opt for online fulfillment. This e-mail will be sent to you right away and will contain your insurance card, letter of coverage, explanation of benefits and receipt.

We will be updating this list on a continuous basis. If you do not find your school on the list and still have questions in regards to your school’s requirements then please do not hesitate to contact us.

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Posted in International Student in the USA, Student Insurance | No Comments »

 

School Insurance Requirements

Monday, January 29th, 2007

As an international student in the USA or anywhere else in the world you are required by either your school or the government of the country you are studying in to meet certain insurance requirements. For most of you, this is not an easy task to try and work out if an insurance plan will meet these requirements so this posting is designed to help you work out the requirements and what plans will fit in with those requirements.

Firstly, you need to check the requirements of the country you are studying in. The US State Department has certain criteria for students coming into the USA, for example the J1 Visa has insurance requirements and for students coming into Europe, the Schengen Visa has certain insurance requirements. The good news is that all the plans offered on International Student Insurance meet and exceed these requirements, so students can purchase any student insurance plan they need.

Secondly, the school you are attending may also require you to meet certain requirements. These requirements are generally a little stricter than the country requirements and can vary greatly from school to school, so it can be difficult to work out if plans meets certain requirements. To help we have created a database of schools around the USA and listed them and indicated whether our plans meet their requirements – you can visit this at:

School Insurance Requirements for the USA – Listed by School and State

If your school is not listed however this is not to say our plans do not meet the requirements but simply that we have not had the time yet to list all schools, so you should check out our Student Secure Student Health Insurance which will most likely meet all the requirements.

Student Secure Highlights:

- PPO Network – Not restricted to any network, but can go to the Hygeia Network
- Deductible – $100 (reduced to $50 at Student Health Center
- Major Medical Benefits – $300,000 (Select Plan) and $250,000 (Budget Plan)
- Pre-Existing Conditions – Excluded for the first 12 months, full coverage after that
- InPatient Mental Health – $10,000
- OutPatient Mental Health – $50 per day, $500 Maximum
- Maternity – $300,000 (Select Plan) and $250,000 (Budget Plan)
- InPatient Prescription Medication – 100%
- OutPatient Prescription Medication – 50%
- Medical Evacuation – $300,000 (Select Plan) and $250,000 (Budget Plan)
- Repatriation – $25,000 (Select Plan) and $15,000 (Budget Plan)
- Sports Coverage – $5,000

You can view the Student Secure Insurance plan here.

We are very happy to assist students in anyway, so if you have an insurance requirement form from your school and you want us to check it to make sure our plans meet them please email us with the form and we will be happy to check it and let you know what plans are available to you.

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Posted in Visa Requirements | No Comments »