International students and scholars studying in the United States (F, J, M, Q and other visas) can usually participate in the student health insurance provided by the school.
The list of general tuition fees includes students' medical insurance premiums. If you register for payment every semester, you will automatically join the school's student medical insurance plan.
If you decide not to participate in the school's student collective medical insurance, you usually need to apply for giving up the student medical insurance within the date stipulated by the school and get the approval of the school.
This kind of student medical insurance plan, most American universities will choose one or several reputable insurance companies to provide students with collective medical insurance, and provide students with student medical insurance according to the agreement between the school and the insurance company.
Health insurance.
Of course, the scope of medical services and insurance costs covered by the student medical insurance plan of each school are different. Starting from 20 14, student medical insurance must meet the patient protection and affordable medical care act (patients
Protection and affordable care
Act, PPACA) standard. Students can buy such insurance for themselves and their families at school. You can also buy medical insurance that meets the minimum standards of the school at an off-campus insurance company.
The student medical insurance plan is generally used for students to seek medical treatment outside the school, such as hospitalization, specialist, off-campus emergency, prescription drugs, laboratory tests, etc., to help insured students reimburse some medical expenses. Some student medical insurance plans also include dental insurance, vision insurance and medical expenses for emergencies during travel.
The insurance recommended by the school is more reliable, the premium is usually lower than the market price, and the claim is settled quickly, which is especially suitable for freshmen. If you want to have other options, wait until you are familiar with the environment, and then consult a more experienced senior. Most websites or forums organized by students' union will also have corresponding information, so you can compare and refer to them yourself.
Of course, you must choose according to your actual situation and needs. In addition to the premium, we should also pay attention to the insurance coverage, security content, diagnosis and treatment restrictions, cost sharing, exclusions and other items, as well as whether there is flexibility in transferring schools and using them across States.
In addition, we should pay special attention to whether the medical insurance date includes school holidays. If the school's insurance does not cover holidays and you have to stay in the United States during the holidays, you have to buy another insurance to ensure the need for medical treatment during the holidays.
2. Health care fee of student health service center
American universities generally have student health service centers (university health)
Services), which provides basic medical services such as outpatient service, emergency service, laboratory examination, health consultation, psychological consultation and vaccination for all registered students. Some schools also have pharmacies.
Doctors here act as family doctors for students, and common diseases and injuries can be solved here. The school also provides various free health education and psychological counseling services. Therefore, in addition to participating in student medical insurance, these schools also require students to pay campus medical insurance fees when registering.
Health service fee), so as to use the basic medical services of the school clinic for free.
The on-campus outpatient services open to students in different schools are different. The details can be learned through the student health service center of the school.
3. Medical insurance for international students during their graduation internship.
If an international student with an F-/KLOC-0 visa acquires American citizenship and immigration after graduation,
Services, USCIS), you can continue to stay in the United States to participate in optional practical training (OPT) for about one year.
Some schools allow international students during the OPT internship to continue to participate in the school's student medical insurance plan (about one year), and international students can contact the school to extend the student medical insurance before graduation. Some schools' student health insurance does not accept OPT students.
Some students' internship units may provide medical insurance for international students. But most companies will not provide medical insurance for interns. In this case, it is recommended that you buy commercial medical insurance.
4. How do families of international students participate in medical insurance?
If the spouses and/or children of foreign students come to the United States at the same time, they can ask their own schools whether their families can participate in the school's student collective medical insurance plan as immediate family members.
Some schools' student medical insurance plans allow family members to participate. The insurance premium of family members is generally more expensive than that of students. Some schools' student medical insurance plans do not accept applications from family members.
Spouses and children of international students, or parents and relatives visiting relatives in the United States, can also apply for travel medical insurance in the United States, which can be guaranteed in case of medical and travel accidents.
The cost of travel medical insurance in America is not very high either. According to different conditions such as age and physical condition, it is as low as one dollar a day, but the coverage is much higher than that in China.