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Travel Medical Insurance Plan Updated for 2017

April 3rd, 2017 by Ross Mason

Travel Medical Insurance plan updateGood news! Our Travel Medical Insurance plan has been updated and upgraded for 2017. The enhancements to the product include:

  • New $2,000,000 policy maximum option
  • Addition of chiropractor care to physical therapy benefit – $50/day
  • Waive $50 Urgent Care Facility co-pay for those purchasing a $0 deductible plan
  • Vantage America drug discount card for policies with U.S. as a destination
  • No changes in rates!

The new plan changes went live on April 1st, and you can purchase and quote online to see the new options.

About the Travel Medical Insurance Plan

Available from 5 days up to 364 days for those traveling to the USA and for US Citizens, and for up to 365 days (with renewability up to 3 years) for those non-US Citizens who are not traveling to the USA. It covers a range of benefits including hospitalisation, doctors visits, prescription medications, emergency evacuation, repatriation, emergency reunion and more. You can find a full list of benefits available on our website.

The plan is ideal for students, and non-students who are looking for short to medium term travel medical insurance coverage covering a range of benefits. It is also an excellent plan for families, or dependents, and when both parents are insured on the plan you can include 2 children 9 and under for free!

If you have any questions the plan, or would like to receive a free quote – please do not hesitate to contact our team.

Medical Checklist Before You Travel to the USA

March 2nd, 2017 by Leah Hammond

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Studying in the United States can be a once in a lifetime experience, but preparing for your time abroad can also be a stressful and overwhelming process. Between getting your visa processed, booking your plane ticket, preparing to start classes and setting up your living arrangements, there are many things to remember when planning for your time in the United States. Taking care of your health before you leave your home country is one of the most important things to remember, but with so many things to do, it’s not always a priority. There are some simple things you can do before arriving in the US to make your life much easier, and with some advanced planning, you can prevent having to pay out of pocket for medical expenses that are not covered under your international student insurance plan. To help you get started, follow this medical checklist before you travel to the USA to ensure a stress free time abroad!

  1. General Check Up’s and Immunizations: Before traveling to the United States, it is important to go to your doctor for a general check up to make sure that you are in good health and that your immunizations are up to date. Most schools in the US require specific immunizations before you can enroll in classes, and it is usually more cost effective to take care of these before you have departed your home country. The most common vaccinations that most colleges and universities require international students to have include the MMR vaccine (Measles, Mumps, and Rubella), as well as a Tuberculosis Screening. Remember that each school is different, so you will want to check with your school to ensure that you are meeting the necessary requirements!
  1. Dental Care: Routine dental care in the United States can be very expensive, and is typically not covered under your international health insurance plan. Before coming to the US, take the time to go to your dentist for an annual cleaning. Some international health insurance plans will offer limited coverage for dental treatment due to accident or to alleviate pain, but standard routine cleanings and procedures are normally excluded from coverage and would be an out of pocket expense for you in the US.
  1. Vision Care: Eye examinations are also typically not covered under international health insurance plans, so we would suggest getting your vision checked before your arrival in the United States. This is especially important if you have prescription glasses or if you wear contacts. You will want to make sure that you have at least one pair of your prescription glasses with you (a back-up pair is always a good idea!), and at least a full year’s supply of contacts.
  1. Prescription Medications: Most international health insurance plans do not cover pre-existing conditions right away (if at all). This means that any medications that you are prescribed before the start date of your insurance plan will likely not be covered! Before leaving for the United States, you should ask your doctor to prescribe a longer supply of your medication to take with you while you are in the US. Remember – it is important to bring your doctors notes and a copy of your prescriptions with you when traveling.
  1. Big Procedures: As mentioned, most international health insurance plans do not include coverage for pre-existing conditions. Just like with prescription medication, if you know of any big procedures, like a surgery, that you need to have prior to the start date of your insurance plan, it would more than likely fall under the category of a pre-existing condition and would not be covered. Any major procedures should be taken care of before you leave your home country, as major medical treatment can be very expensive in the United States.

Following these steps will make your time in the United States much less stressful, as you won’t have to worry about potentially paying for uncovered medical expenses. We know that health insurance in the United States can seem complicated, which is why we’ve created a short video overview to help you navigate the US Healthcare system as an international student. Make sure to check out the video here!

Top Questions International Students Have About the ACA

January 10th, 2017 by Jennifer Frankel

Even if you now know what the ACA stands for (Affordable Care Act), you still might be filled with questions about what it means for you as an international student. In today’s blog, we are going to explore the top questions international students have about the ACA.

1. What is the Affordable Care Act?

The Affordable Care Act is legislation that essentially overhauled the US health insurance and health care systems. It required US carriers to offer plans to US citizens/permanent residents that have “essential health benefits”. These benefits are often costly causing insurance under the ACA to soar as high as 25%. With the goal to insure every US citizen and permanent residents, the IRS institutes a tax penalty for those who do not have a plan that is ACA compliant.

2. How does the ACA impact international students?

If you are an international student in the US, chances are it won’t affect you at all. If you are an international student on a F1 or J1 visa and have been in the US for less than 5 calendar years, then you are exempt from the ACA and can choose any plan you’d like (as determined by you and your school). If you have been in the US for longer than 5 calendar years, then you’ll have to look at your taxes. If you are a non-resident alien for tax purposes, then you are exempt from the Affordable Care Act and it’s up to both you and your school to determine what insurance plan you will have. If you are a resident alien for tax purposes, you will be required to purchase an ACA compliant plan, otherwise you’ll be subject to the tax penalty.

3. What’s the difference between a non-ACA and ACA plan?

ACA plans are required to have “essential health benefits” which provides coverage for:

  • Ambulatory patient services (outpatient care you get without being admitted to a hospital)
  • Emergency services
  • Hospitalization
  • Pregnancy, maternity, and newborn care
  • Mental health and substance use disorder services, including behavioral health treatment
  • Prescription drugs
  • Rehabilitative and habilitative services and devices
  • Laboratory services
  • Preventive and wellness services and chronic disease management
  • Pediatric services, including oral and vision care (but adult dental and vision coverage aren’t essential health benefits)
  • 100% Birth control coverage
  • Breastfeeding coverage

In addition to these benefits, plan must offer unlimited coverage and cover pre-existing conditions from day 1. Because these plans on the exchanges are extremely comprehensive they tend to have high deductibles oftentimes starting at $1,000, and they also have a high price tag as well. Most international student plans are not ACA compliant so they will often have a maximum coverage (often ranging from $100,000 to $500,000), have a waiting period before pre-existing conditions are covered, and are designed to cover new accidents and illnesses that occur on the plan. They typically have low deductibles often ranging from $25 to $250, and also are low in cost (often less than $1,000).

4. Which plan is right for me?

For most international students, the need is quite simple: an affordable plan that covers accidents and illnesses that could happen while studying in the US. If you aren’t sure which option is better for you, you’ll want to consider:

    • How much are you looking to spend on your insurance plan (premium)?
    • How much can you afford to pay out of pocket when seeking care (deductible/coinsurance/copay)?
    • Do you have a pre-existing condition that will require continuous care beyond the medications you bring from home?

Just looking at these questions will help narrow down your options as to whether an ACA or non-ACA compliant plan would be best suited for you.

5. Where can I get more information on the ACA?

If you have more questions on the ACA, please be sure to check out our article on the Impact of the ACA on international students as well as this article which talks more specifically on international students and the ACA. You can also go directly to the source and learn about how it affects you at Healthcare. gov.

If you are trying to decide on your options, it can be quite complicated. Be sure to contact our Customer Service Representatives with any questions you have, as we are always happy to help guide you so that you can make the best decision regarding your health insurance needs. You may also want to keep in mind that this could all change with the new Trump administration. As changes are made, we will of course keep you updated.

Two Insurance Plans: A Good or Bad Idea?

December 15th, 2016 by Bryanna Davis

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More is always better, right? When it comes to the number of insurance plans you have, that’s not always the case. If you’re considering buying two (or more) health insurance plans here are a few things that you need to keep in mind.

Why consider buying two insurance plans?

A few common scenarios as to why international students and scholars feel the need to buy more than one plan include the following:

1. A plan was already purchased but will not meet all federal or school requirements.
2. You don’t think the plan options available to you have enough coverage.
3. The plan that you have doesn’t cover a condition that just developed.

Let’s dive into each of these situations in greater detail.

  1. A plan was already purchased but will not meet all federal or school requirements.
    First and foremost, check the cancellation policy of the plan you already have if it doesn’t meet your needs. Some plans will allow you to even cancel for a full refund if you do so before the start date, so check the cancellation policy and check it as soon as possible. If cancelling your plan isn’t an option, then exploring other plans that specifically cover the benefit you need is. However, it’s important that you do not buy two primary plans, or two secondary plans (plans that are run after the primary) that have the same coverage- this could cause problems down the road if you need to file a claim. For example, perhaps you’re trying to meet the federal J visa insurance requirements and your current plan does not have emergency medical evacuation or repatriation of remains coverage. Since your current plan will cover your other medical needs (like hospitalization) you’ll want to find a supplemental, stand-alone plan to cover the evacuation and repatriation.
  2. You don’t think the plan options available to you have enough coverage.
    If you find a plan that you like and are wondering if you can buy two of them so you can double the coverage- unfortunately not. The same is true if you find two different primary or two different secondary plans that you like and want to buy. If you do find two plans that you like it’s fine to purchase them if one plan is a primary plan (meaning it’s the plan that the provider will run first), and the other plan is a secondary plan (meaning it’s the plan that the provider will run if there are any remaining expenses).
  3. The plan that you have doesn’t cover a condition that just developed.
    If you already have a condition, whether officially diagnosed or just symptoms of, it’s a pre-existing condition. This means if you buy a plan specifically to cover a pre-existing condition you need to make sure it covers pre-existing without a waiting period. Keep in mind that it will be difficult to find a plan that covers pre-existing conditions without a waiting period and plans that do will be very expensive. It’s best to buy a plan that can cover potential items (like a sports injury or a pregnancy) before they happen.

If needed, having two insurance plans is an available option if one plan is a primary and the other a secondary. However, it’s best to find one solid plan that has the potential to cover what you need.

Now Announcing the 2016 Travel Video Contest Winners!

November 23rd, 2016 by Sutherland Beever

http://www.internationalstudentinsurance.com/blog/wp-content/uploads/2016/07/selection.jpgThe votes are in and it’s about time that you find out who wins, right? Grab a bag of popcorn and find a comfy chair, because we are now announcing the 2016 Travel Video Contest winners!

After spending nearly 1,000 hours watching video after video submission, the InternationalStudent.com team and panel of judges have finally decided who goes home with the cash.

To save you some time, we’ve prepared a snapshot of the overall contest winners, but don’t forget to give the other entries and finalists a glance too. You can view all the submissions to this year’s contest here.

A huge round of applause is owed to the grand prize winner of the 2016 Travel Video Contest, Mariana Osorio, for her submission, “This Magic World.” As a student growing up in one of Mexico’s poorest states, she tells an inspiring story of her life through song – and an original song at that! If you are going to watch any of this year’s video submissions, be sure to check out this songbird. Perhaps best of all, in addition to being $4,000 richer, Mariana is going to be a regular blogger on the InternationalStudent.com, so we can periodically check in on her travels through the Study in the USA blog.

Needing a bit of inspiration in your life? This year’s second place video is called “Dream, Believe, and Make It Happen!” and is sure to motivate you! Siti Fatimah of Indonesia spent much of her childhood as an orphan, and her story is all about overcoming impossible odds to achieve her dream of studying abroad and eventually becoming a professional obstetrician. We’re wishing Siti the best of luck and congratulations on earning a $500 prize!

Rounding out the top three finalists is a black and white submission called “The Urban Archi,” by Michael de Beer. Fueled by crime and discrimination in his South African city, Michael knew from an early age that he wanted to become an architect and eventually help his city gradually urbanize. His thoughtful submission has earned him a $250 prize.

And last, but certainly not least, this year’s Viewers’ Choice winner! Chosen by popular vote, this year’s recipient is “A Couple of MBAA’s” by Carlos Roberto Gonzalez Meyer. If you are in the mood for a good laugh, be sure to watch Carlos and his girlfriend act out their past and future travel plans in the video that earned them a whopping $1,000 prize.

We’re sending a huge shout out to everyone who submitted a video entry. The competition was tough, but the contest will be back next year! Start your preparations by checking out each of the winning video entries from the 2016 contest and keep those cameras recording.

It’s That Time Again: Now Announcing the 2016 Travel Video Contest!

September 6th, 2016 by Sutherland Beever

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Get your video cameras ready and your creative juices flowing because now is your chance to earn $4,000!

Let’s be honest, writing, shooting and editing an amazing video about your travel experiences doesn’t happen overnight, but with a bit of hard work and a dash of creativity, your video submission could earn you the title of Grand Prize winner!

Here’s What You Need to know for your Shot at the Grand Prize:

InternationalStudent.com hosts a Travel Video Contest every year for students to let their imaginations run wild and become real life filmmakers, tasked with creating their own travel-themed videos. The rules are pretty straight forward: current international students need to create a video (less than 5 minutes long) about a trip that they want to take in the future, and students who have yet to study abroad should create a video about the experiences and knowledge they will gain as an international student.

Create a film to move us or inspire us – the choice is yours.  After all, you are the filmmaker.

Here are Three Insider Tips to get you Started:

  1. Be Yourself – It sounds easy, right? The Travel Video Contest is all about telling a story as unique as you are, so let your personality shine throughout your video.
  2. Don’t Underestimate the Power of Editing – You only have 5 minutes to tell your story, so every second counts! After you’ve gotten most of your video finished, show it to a few friends or family members for their feedback. If your story lulls in places or if some pieces don’t quite fit, take it out! The contest rules state that there’s nothing wrong with your video being less than 5 minutes in length, it just can’t be over.
  3. Quality is Everything – This should come without saying, but the most emotionally driven video submission in the world won’t amount to much if we can’t hear the dialog. Feel free to shoot the video with any camera you would like, but it’s important that the quality of your video is up to par with past winners. Clear, crisp voices, visuals and music is key!

Dates to Remember:

  • Submission Deadline: October 14, 2016
  • Finalists Announced: The week of November 7, 2016
  • Winners announced: November 18, 2016

May the best video win!

I Don’t Have Insurance, But Have Medical Bills To Pay!

August 1st, 2016 by Sutherland Beever

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You’re young. You’re healthy. And then out of nowhere you’re faced with a medical emergency, spend some time in the hospital and are now forced with astronomical medical bills to pay.

What Now?

First things first: don’t get discouraged. It would be easy to stash away your medical bills in a drawer, or sit them far back on a shelf to collect dust, but the fact is that these bills won’t disappear. And most importantly, you are much, much more likely to receive financial assistance if you work with the provider before the bill is sent to a collection agency.

Luckily, there are many steps that you can take to help your situation and potentially even lower your outstanding bills!

Step One: Write a Letter of Hardship to the Provider

It’s important to keep in mind that hospitals are well aware that paying medical bills without insurance can be extremely difficult, so generally they will work with you to find a reasonable way to help you pay off your debt, and can even help lower the overall amount that you owe. Of course all of these great things can’t happen if you don’t ask. This is where a letter of hardship can help save the day.

If you genuinely have no means to pay the medical bills that you now owe, it would be in your best interest to write a letter to the provider letting them know of your situation and your inability to pay. Be sure to include the fact that you are an international student, unfamiliar with the US healthcare system, and any additional information that could help your case. Depending on the amount owed and your personal situation, a provider may write off a good portion, specific services, or even your entire bill! If you don’t receive a response to your letter within a few weeks, be sure to follow-up with a phone call to reconfirm your situation.Of course this isn’t a guarantee, but it’s worth your time to try!

Tip: At the end of the day, it’s important to keep in mind that hospitals are still businesses and they want to be paid for their services – even if it’s not the whole amount that is owed.

Step Two: Ensure that your Bills Are Correct

This step can be time consuming, but it’s worth every moment. It’s especially important to check your bills if you spent a long period in the hospital or had a complicated procedure, as it is possible that a portion of the bill that you’ve received isn’t right. The most common errors tend to be that you’ve been billed for services or medications that you didn’t actually receive. Take into consideration the time that you stayed in the hospital as well. Sometimes if you’ve checked out in the morning you could have been charged for a full day, adding thousands of dollars to your bill.

Tip: According to the Medical Billing Advocates of America, eight in 10 hospital bills include mistakes.

Step Three: Prepare to Negotiate

It’s important to note that the US healthcare system is setup for individuals to have health insurance. Without insurance you will be paying a substantial amount more for the medical treatment that you receive, compared to someone who does have insurance and receives deep in-network discounts. If a letter of distress to the provider doesn’t lower your bill enough, or at all, the next step is to try to negotiate.

As mentioned before, providers want to get paid – even if they don’t receive as much as they’ve billed you for, so you likely have some room to negotiate at least a small portion of the amount that you owe.  In order to do so, it’s important that you are armed with information to help your cause. Check nearby hospitals to discern how much they would have charged for the procedure that you had. If the provider that you visited is charging grossly more, this could be a good negotiating point!

Tip: You can get information on how much providers charge for given treatments from a variety of websites, including  Clear Health Cost and  Healthcare Blue Book.

Step Four: Set Up a Payment Plan

Regardless if you were able to negotiate a lower overall balance or not, providers know that a huge medical bill broken down into small, manageable payments is much more likely to be paid off, so call the provider and ask if they can set up an interest free payment plan. It’s important to speak to the right person and let them know of your situation, and that you’re trying to pay off your debt but lack the income to do so right away.

Tip: Keep in mind that someone who is simply sympathetic to your situation can’t help you – be sure to speak to someone higher up in the billing department directly for the most assistance.

The bottom line is that medical emergencies are never planned, but are always costly.  Luckily for you, there are countless resources available to help you negotiate and even lower your bill, as well as set up payment plans.  Don’t let your bills overwhelm you. As dim as the situation may seem, you can work your way out of it!

Individual or Group Insurance – What is Right for My Group?

July 11th, 2016 by Jennifer Frankel

http://www.internationalstudentinsurance.com/blog/wp-content/uploads/2016/07/selection.jpgMany schools and organizations come to us trying to figure out how to best manage their insurance plan. Deciding whether an individual or group insurance plan is best for your students can be difficult, and will depend on your process, how much control (and how involved) you want over the insurance, ease of administration, and various other factors. Your answers to these, and other questions, will help you make the final decision as to whether a group or individual insurance plan would be more suitable.

This blog is designed to provide schools and organizations with an overview of the differences between a group or individual plan and will evaluate the main issues to help inform your decision about how to best implement your insurance plan.

  1. Payment Method – The main difference between group and individual insurance plans are how the insurance premiums are paid and settled. With a group plan, the cost of insurance is covered by the school or group, typically through a monthly or one-time invoice. This allows the cost of the insurance plan to be built into the trip cost or student’s tuition. With an individual plan, on the other hand, the cost of the insurance plan is paid for by the participants directly, thereby relieving the school or organization from having to collect insurance premium and make payment.

    Note: If students are paying monthly on an individual plan, it’s important to know that billing issues could arise where there could be a lapse of payment. The insurance will typically notify the student and provide a grace period to make the overdue charge. If payment is not received, however, the policy will end and you may not even know! To prevent this, it is suggested that students always pre-pay for the required period, or you institute a group plan to avoid this happening.
  2. Benefits & Cost – Group insurance plans typically have richer benefits and are typically offered at a lower cost, since they are able to rely on the law of numbers and a random pool of participants to outweigh the risk. With this in mind, group insurance plans can often be customized to include coverage for maternity, pre-existing conditions, etc. in ways that individual plans cannot. This is because with individual plans, insurance carriers have to be wary of adverse selection, making sure that not only the people who are in need of the insurance, buy it, but those who don’t need it buy the plan as well. In some cases, group insurance plans are less costly as group discounts may be offered depending on the number of participants enrolled.

    >>Learn more about important benefits to consider
  3. Knowing Your Coverage – One of the advantages of having a group plan is that you know what coverage your participants have, and you are also familiar with the process to seek treatment, file a claim, and get help when necessary. You can make sure that the insurance benefits will be well designed to meet the needs of their international experience (i.e., include sports coverage, maternity, etc.), and don’t have to worry about students being enrolled on sub-par plans. With individual plans, you would not have this same control as students would be able to purchase the coverage they want, and benefits, claims processes, etc. could vary quite considerably. If you would like an individual plan for your students, here are the most common ways to manage this:

    • Leaving students on their own
    • Require minimum coverage
    • Mandating one or more insurance options

    >>Learn more about each option online in our Best Practice Guide

  4. Duration of Coverage – Group plans allow the plan administrator to ensure all participants/students are covered for the exact coverage dates they need. Typically groups coincide the dates of coverage with their travel dates or with the academic term, making sure students are fully covered during their time abroad or while enrolled in their courses. On an individual plan, the participant is the one that selects the start and end date of their insurance, and while many schools and organizations require that students have coverage during a specified period of time, students may not always purchase the correct period of coverage. This can create extra administration, as you would need to check each participant’s coverage to make sure they have the correct coverage dates.
  5. Account Management – Most group plans offer a higher level of customer service through a dedicated account manager who is assigned to help you every step of the way. This point person can assist with all aspects of your insurance plan so that things are quickly and easily resolved. If students are purchasing their coverage on their own, you might not have an account manager in this setup, as plans could be purchases from a wide variety of providers. You may, however, be able to establish a good relationship with one insurance company if you are referring all your students to purchase coverage there, so that could be something you could explore.>>Learn more about service and support options

When it comes to deciding whether an individual or group insurance plan is right for you, there is a lot to think about! If you are in the process of deciding how best to implement your insurance, please feel free to contact us directly as we’d be happy to walk you through the process and determine which option is best for you. You can also check out our Best Practices Guide which provides even more details about important considerations of your insurance plan.

Does International Student Health Insurance Cover Everything?

June 30th, 2016 by Bryanna Davis

does health insurance cover everythingHealth insurance can provide peace of mind against high medical bills when studying outside your home country – especially while in the US. However, not all insurance plans are the same, and as a buyer it’s important that you research the plan you’re considering and understand what it will cover before an injury or illness strikes.

One common question that we receive is: “Does international student health insurance cover everything?” and the answer is a simple one: no. Every health insurance plan will have items that are not covered on the plan, also known as exclusions. Although each plan will have exclusions, this doesn’t mean that you need to take a gamble when it comes to having health insurance, but it does mean that it’s imperative for you to check out both the benefits (items that are covered on the plan) and the exclusions of the plan that you’re interested in.

Why Do Plans Have Exclusions?
Insurance plans have exclusions in order to contain costs, and keep the annual premium at a reasonable level. If a plan covered everything, without any limitation, the cost of insurance would be so high, and more than likely not offer you much financial relief compared to your actual medical bills. If you have certain benefits that you want included in your plan then it’s important to look for those specific items to be covered in the plan you buy.

One important thing to always remember, although you might not find a plan that covers “everything,” it is possible to find a plan that covers everything you need.

What Benefits Are Often Excluded?
Each insurance plan is unique, so the key is to explore the exclusions of every plan you’re considering. To give you an idea of the most common exclusions, let’s take a look at two plan types that most students would be looking at: an International Student Health plan and an International Travel Medical plan.

International Travel Medical
International Travel Medical plans don’t require the purchaser to be a student as they’re designed to cover individuals who need short-term coverage outside their home country. Because of this, these plans do not typically include some of the more comprehensive benefits that International Student Health Insurance plans include. Common exclusions on an International Travel Medical plan often include mental health, maternity, pre-existing conditions, wellness (including vision and dental), organized sports, elective surgery, drug and alcohol abuse, injuries from drug and alcohol abuse, congenital illnesses, STD’s and self inflicted injury.

International Student Health Insurance
International Student Health Insurance plans are designed to meet the needs of international students and scholars like you. Because of this, there are specific coverage items that you can count on a majority of international student plans having- and excluding. Just like on a Travel Medical plan you can still expect to find common exclusions like wellness, elective surgery, drug and alcohol abuse, injuries from drug and alcohol abuse, congenital illnesses, STD’s and self inflicted injury.

Although student plans can be comprehensive and provide coverage for items like maternity, mental health, organized sports and pre-existing conditions, you will find that some conditions, although covered, will require you to fulfill a waiting period before they’re able to be treated. For example, if the plan under consideration has a six month waiting period for pre-existing conditions then you will need to be on the plan for six months before you’re able to have coverage for your pre-existing condition. Benefits that often have a waiting period (if included in the plan) are maternity, mental health, wellness, and pre-existing conditions.

What Benefits Do I Need?
Every international student will have varying needs when it comes to specific benefits but there are a few key items that your school (or your visa) might require you to have. The first step is to check with your school and see what requirements they want you to meet with your plan (if any).

If your school doesn’t require you to have a plan or if they only require you to have basic coverage, keep in mind that it’s still important to find a plan that will provide you with the protection you need- beyond your school’s checklist. Sometimes the school-required coverage isn’t enough as an international student or depending on your personal situation. For example, if you’ll need treatment for a medical condition that you had prior to buying a health insurance plan, it’s important to find a plan that includes coverage for pre-existing conditions, and that you notate any waiting periods related to the plan’s pre-existing condition coverage.

If your school requires you to find a plan that will meet a long list of requirements, keep in mind that you also need to make sure the plan you find will include the coverage you need. For your own protection, international students, scholars and travelers need to have coverage for a few key items- even if your school or visa doesn’t require you to:

  • Outpatient and Inpatient Medical Coverage
  • Emergency Medical Evacuation
  • Repatriation of Remains

If you need certain items included in a plan, whether to meet a certain requirement, or to simply give you the coverage you need, it is possible to find a plan that is designed specifically with student needs in mind, like the Student Secure plan.

What Else Should I Know About Coverage?
When reviewing a plan you might find that some plans do appear to include everything. However, upon closer inspection you will discover that it has internal caps. Because of this, not only should you be aware of and look into the exclusions on a plan, but it’s also important to know about internal caps and if any benefits of the plan you’re considering have them. Although a plan might have a high overall coverage amount listed and cover numerous items, the more you dive into the plan details you may find that it will only cover certain items up to a certain amount or for a specific number of days- this is an internal cap. Many plans have internal caps, but it’s important to know what international caps the plan you’re considering has and ensure that it isn’t too restrictive so you can still receive coverage if the need does arise.

High School Year Abroad – Do I Need Special Coverage?

May 17th, 2016 by Ross Mason

high school year abroadThe popularity of international high school programs is increasing as students and parents are looking for an international education at a much earlier age. In the USA alone, there are an estimated 73,000 international high school students studying full-time and this number has tripled in the last 10 years. When you factor in other country destinations such as the UK, Ireland and Australia, for example, the trends are clearly showing a very strong demand for secondary education programs abroad.

While the number of programs and providers are increasing, there is very little written about what you need to consider in terms of your insurance coverage when undertaking a high school year abroad. With this post, we will cover the core topics to make sure you have the most appropriate and comprehensive insurance coverage possible.

Healthcare System

When considering your healthcare options, you first need to understand the healthcare system in the country you will be studying in. You will want to find out if there is a nationalized healthcare system and decide whether you will need to purchase private health insurance.

If there is a national healthcare system, in many cases you might be able to join or pay into that system to get basic healthcare. While this might sound like a great option, you will also need to consider the level of care you will receive under the system and whether there are any waiting periods before your healthcare begins. Many nationalized healthcare systems offer fantastic, world-class care – however there could be longer waiting periods to seek treatment (if it is not an emergency situation), and there is typically no coverage for travel related benefits such as evacuation, reunion and trip interruption (we will talk more about those benefits further in this post). There is also the possibility that you may have a waiting period – anywhere from 3 to 12 months – to join a nationalized healthcare system. Either way, you might want to look at extra or supplemental health insurance which would allow you to obtain immediate private medical care (if needed) and the optional benefits that will not be present through a nationalized system.

Of course, if there is no nationalized healthcare system, it is imperative that you arrange medical coverage from day 1, and in many cases your school will require this.

Host-Country or Home-Country Plans?

When looking at insurance options, there are typically a few choices available to you – you can either purchase a plan that is available in your home country to specifically cover you abroad, or you can purchase a plan in your host-country where you will be studying. There are pros and cons to each option, but typically we recommend purchasing an insurance plan that is available in your host country. These plans will be specifically set up to work with the healthcare system in that country, so they will know how to process claims, have a large network of participating providers and your travel assistance will be in the same country and timezone. You might also find that your school will be much happier with this choice too, as they will be more familiar with an insurance plan located in your destination country (and you won’t have to worry about language barriers!).

Benefit Considerations

While standard benefits such as doctor’s visits, hospitalization, prescription medications, etc. are common in most plans, when undertaking a high school program you will want to consider these benefits:

Sports Coverage – as a high school student, there is a strong possibility that you will be involved on your school’s sports team. In many insurance plans, these types of activities are excluded so be sure to check!

Emergency Evacuation – an evacuation benefit will typically bring you to the nearest qualified medical facility to treat you, should you need urgent medical care, but in many cases this benefit will also take you back to your home country if you have had a life threatening or major incident.

Repatriation – in the unfortunate event that you were to pass away while abroad, this benefit will bring you back home.

Reunion – the most standard reunion benefits will bring a close relative to your bedside should there be a major injury/illness.

Trip Interruption – if you learn of a death in the family, trip interruption will pay for you to fly home and be with your family.

Personal Liability – if you are staying with a host family, a liability benefit will protect you from any unintentional accidents that can happen. For example, if you knock over the brand new 55 inch TV your host father just purchased, your liability insurance will kick in to cover the replacement of something like this.

Travel Benefits – there are a string of travel related benefits that could be something you would want coverage for, the most popular being lost/stolen luggage, lost document assistance and trip delay benefits.

 

Most of these items are standard in nearly all international insurance plans, so you should be fully covered for the majority of these items. However, if you are relying on a national healthcare system, these are items that would not be covered and would require you to purchase additional insurance to have access to these benefits.

For further details about high school year abroad insurance coverage and options, please do not hesitate to contact us, or visit our high school insurance page for more details.

Our Insurance Plans

We offer a range of international health and travel insurance plans for both students and non-students including:

Student Secure

International Student Health Insurance for full time students around the world.

Atlas Travel

International Travel Medical Insurance for anyone outside of their home country.

Global Medical

International Major Medical Insurance for those needing long term coverage.

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