International Students looking for health insurance in the U.S. have several options. A high end comprehensive international medical plan, a discount international plan, or a domestic Affordable Care Act plan.
U.S. Based Health Plans
All are quite different from each other. The ACA plan comes in 4 benefit levels; Bronze, Silver, Gold and Platinum. To equal the international plans benefits, you will need to enroll in either a Gold or Platinum plan. Depending on the you are attending school a Gold or Platinum is going to have a much higher premium then the High end international plan.
Also, domestic ACA plans do not cover emergency evacuation and repatriation services. If the student has a severe injury or illness and simply wants to return home for their care, the U.S. based plan will not cover the costs for the air ambulance. If the student has certain illnesses or a severe injury, most domestic flights will not allow them to fly. In this case a medical transport company will be necessary to deliver the student back home.
Discount International Health Plans
The typical discount international health insurance plan will have good benefits, a nice network of doctors and hospitals and a lower premium. The most dramatic difference between the “high-end” international health company and the “discount” company is how each company looks at claims, pre-existing conditions and exclusions.
Below is an example of a discount company’s pre-existing condition clause.
Any medical condition, sickness, injury, illness, disease, mental illness, or mental nervous disorder, regardless of the cause, that with reasonable medical certainty existed at the time of application or any time during the 12 months prior to the coverage start date of this policy, whether or not previously manifested, symptomatic, known, diagnosed, treated or disclosed.
Below is a “high end” company pre-existing condition clause. You can see this description is much more reasonable.
Pre-existing conditions do not cover services for treatment of a
medical condition for which medical advice, diagnosis, care, or treatment was recommended or received during 365 days immediately preceding the member’s eligibility date.
Comprehensive Global medical insurance cover for the student studying outside of their home country, along with access to qualified physicians and hospitals in over 190 countries. Protect yourself against unforeseen accidents and illnesses.
- International Medical coverage for the global student.
- U.S. student and foreign students studying and living abroad.
- Hospital coverage, doctor visits, prescriptions, lab & X-ray, psychiatric svc., emergency room, surgery, preventive services, check ups, and much more.
- Emergency medical evacuation & repatriation.
- 24/7/365 member assistance services.
- Access to qualified doctors, hospitals and specialists worldwide.
Please contact me anytime with questions.