• zInternationalStudents Blog

  • Saturday, January 19, 2019

  • How International Students can Access Health Care System in the United States

    Filed Under: Health Insurance

Although the health care system in the United States can be expensive and complicated to access for international students, it is excellent. With the exception of Medicare for retired people and Medicaid for low-income people people, there is no national or socialized health system, neither of which is available to international students. As a result, just as it is for most Americans, private health insurance is a necessity for international students. In this article, I will identify some tips as well as some factors you must put into consideration for accessing health care system in the US.
Choose your plan from either private or university insurance knowing fully well that all U.S. universities and colleges require international students to obtain health insurance while quite a number of these universities and colleges offer health insurance plan for students to buy. However, due to the fact that university insurance plan is often overly expensive and comprehensive in relation to the needs and budget of international students, many of them want to waive it. Nevertheless, if you show proof of comparable coverage, you may be allowed to waive the school plan.
Furthermore, whether you find an alternative private insurance plan or you are required to purchase your university plan, you must understand your policy. This will help you a lot in comparing plans as you shop.
Another important tip and factor you must consider for accessing health care system in the United States is to use your university health system. This is necessary because you will save time and money if you visit the student health center of your school even if you do not buy the health care plan of your school. In most cases, services are available at greatly reduced rates or even for free in the school. If you use the student health center of your school instead of an off-campus provider when you have to pay, many private student insurance plans will discount the deductible.
Finally, you need to plan on having to spend extra money out of pocket for your health care, even in a situation where you have your insurance plan. There is no doubt that health care is extremely expensive in America and a good number of the Americans pay a whole more than you and may still have out-of-pocket expenses. The fact is that you are just buying protection against expenses that are traumatic and access to an expensive system and not the right to all necessary health care at no extra cost.

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