International Student Health Insurance: How to Apply
Students who want to get health insurance coverage abroad can do so via international student health insurance plans provided by a college, university, or other institution. International student health insurance is specifically designed to assist those students coming to the United States from another country to protect them from the costs associated with relocating to a new country.
These plans are particularly useful for those studying in a foreign country as their families may not be able to provide health coverage. The cost of medical care in a foreign country is much higher than that found here in the US, so having adequate coverage while you are in the country will be essential.
For students studying abroad, it is important that they have access to health insurance. Most colleges offer some sort of health insurance to their students, and they can usually be obtained at a low cost as long as the policy is taken out by an individual or family member.
However, it is important that a student does not just go out and obtain health insurance while he or she is a student. This is because there are a variety of different policies available to students going abroad to study and obtaining one that is right for them could make a world of difference.
One thing to consider when getting a student health insurance policy is the household income of the policyholder
If the policyholder has a low household income, it may not make financial sense for them to take out a policy. There are many types of plans available that can be tailored to different income levels, and some can even be purchased through private companies.
Therefore, a person looking for a student health insurance policy should first consider what their household income is. Then they can talk with an agent to find out if a private company would be more suitable for them.
One thing to consider is pre-existing conditions. A student health insurance plan will cover you for pre-existing conditions. The most common types of pre-existing conditions are covered by standard policies like injury coverage. However, there are also policies available for covering pre-existing conditions acquired at a younger age.
The most frequently asked questions about this type of coverage include
- Q: What is full-time and part-time college students covered for with a health insurance plan?
- A: Full-time college students are considered full-time students for medical purposes. Part-time students are considered part-time students.
- Q: Do I need both a standard, short-term, as well as a long-term student insurance plan?
- A: It is recommended that a person get a standard health insurance plan for the length of the school. In order to be covered for pre-existing conditions, you will need coverage that offers a minimum of one year of coverage. The coverage should also have inflation protection.
- Q: I am a U.S. college student, do I qualify for international student health insurance plans?
- A: In general, all international student health insurance plans are very similar to standard college health insurance plans. You will want to make sure you understand what your particular coverage options are. Many plans will only cover students in your country. Other plans may cover you abroad, depending on the provider you choose.
- Q: How do I pay for my international student health plans?
- A: In most cases, you will be required to pay a co-pay. This is, in essence, the amount that you must pay each time you see a doctor. However, there are typically many different payment options available, from monthly to yearly to various schemes that allow you to set up direct deposit of your payment directly into your bank account.
If you need a student health insurance, you can consider the University of Michigan domestic student health insurance plan, which was developed with students’ needs in mind. The insurance coverage is a low-priced, voluntary plan available to all University of Michigan students through Blue Care Network of Michigan.
The insurance coverage provides coverage throughout the U.S. It complies with the Affordable Care Act, with coverage comparable to a “platinum” plan on the Health Insurance Marketplace. The insurance plan is sponsored by the University of Michigan.
Benefits of the University of Michigan domestic student health insurance plan
- Prescription drug coverage
- Clinic visits
- Mental health
- Annual vision exam
- Emergency room visits
- Ambulance service
- Limited dental coverage
- And more
University of Michigan students who are undocumented students, who are enrolled in classes or between semesters (e.g. during spring/summer session) at the Ann Arbor, Dearborn or Flint campuses are all eligible.
International students, students with dual citizenship, and international scholars who are ineligible for International Student and Scholar Health Insurance Plan are eligible.
Enrollment is only available during open enrollment periods, unless you have a Qualifying Life Event such as turning age 26 and being removed from your parent’s health insurance, the birth of a baby or marriage or ending of an insurance policy.
Eligibility for enrollment is subject to verification. To enroll online, go to BCN University of Michigan student’s Health Plan. See the International Student and Scholar Health Insurance Plan for more detailed information.
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