Unlike other countries, the United States doesn’t have a nationalized healthcare system therefore individuals are responsible for paying their own treatment out of pocket or purchasing private health insurance to cover the cost of their medical bills.The United States boasts one of the greatest medical expertise and the finest clinics in the world. If you are sick or injured during your studies in the US and you are treated in a hospital, you can be certain that you are receiving some of the finest care in the world.
Many international students don’t fully understand the importance of having good insurance and are caught off-guard by healthcare costs during their studies. International student health insurance is designed to cover the majority of medical costs and often works with a network of doctors contracted to charge a discounted rate.
Coverage provided by different health insurance plans varies dramatically. They may or may not include large or small deductibles, co-pays, or co-insurance; beneficiaries may pay a large, small, or no part of their health insurance premiums; some plans cover dependents, others do not. Be sure to mind all of this and completely understand what you’ll be looking for and also what you’ll be getting.View important insurance terms.
Don’t worry, purchasing an insurance plan is easy! If you choose to study abroad it’s important to find a great health insurance plan that covers your needs. The steps to follow are: knowing your government and school requirements, reviewing your school’s insurance plan or plans and ensuring your plan fits within your budget and gives you great coverage.
Once you find a credible company to purchase your plan from, review the following information: eligibility, plan benefits and exclusions, pricing and payment options, coverage amounts for each benefit, rating by the Better Business Bureau (to ensure you are buying from a good company) and the cancellation policy, in case the plan isn’t accepted by your school.contact us.