Health Insurance: International students in the USA
Healthcare in the United States is an expensive affair. And not having a health insurance coverage can be a significant burden on your finances. Even though health insurance isn’t mandatory as per the f1 visa requirements, having one would save you a lot of time and money.
Table of contents
1. F1 Visa holders
If you’re planning on going to the US as an international master’s student, you’ll come under the f1 visa category. Your university sets the health insurance requirements, and you don’t have to meet the US government’s mandatory standards as opposed to the J1 visa holders.
2. J1 Visa holders
J1 visas are required by the exchange visitors and research scholars for knowledge and culture exchange. The department of state has mandated a few medical insurance requirements.
Most of the universities make health insurance a mandatory requirement for all students. They also provide University health insurance plans which allow you to use their in-house healthcare centres. But most of the times these plans are very expensive or don’t give a lot of benefits. Some universities offer two separate plans, one of which is costly and covers a wide variety of medical expenses and the other is relatively cheaper and isn’t sufficient by itself.
Universities also accept a few third-party health insurance providers which they usually list on their website (If your provider’s name isn’t on the list, I’d suggest you drop a mail and confirm). Peruse through the list if you’re considering third party providers.
Also, not all students under third party health insurance plans are covered for the services provided in the University healthcare centres. And the information about this is generally available on the university website. Don’t forget to check it out before making a decision.
Health Insurance Terminology
Heath Insurance Coverage & Types
Look for a health insurance plan which covers a lot of services & organizations, with less premiums and deductibles. It must also satisfy the university medical insurance requirements (enquire about your specific plan) which also covers services rendered by your healthcare centre.