International Student Health Insurance for US High Schools

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.

pre-existing condition:

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.

International Student Quote

Please contact me anytime with questions.

John Conner
916-682-1117
john@johnconner.com

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Stanford University Student International Health Insurance

Stanford University requires all International Students and scholars on J-1 visas to carry health insurance for themselves and their J-2 dependents for the full duration of their J program.

Hundreds of thousands of students, faculty and other educational professionals travel internationally each year, which is why “Student Travel Insurance” plans are so important.

Many are now choosing to waive the school plan in favor of a more comprehensive less costly International plan which provides better access to care in the U.S. and outside the U.S. if you happen to travel back to your home country or to a different country while on winter or summer break.

The GeoBlue International Student policy pays for services provided by; Vaden school clinic, Stanford University hospital and Menlo Medical Clinic along with most other medical providers through out the Bay Area, California, the U.S. and abroad.

Doctors & Hospitals:

With GeoBlue you are able to see any Blue Cross / Blue Shield doctor, specialist or hospital across the U.S. That is over 95% of all medical providers.  You are able to also see non blue cross / blue shield doctors and hospitals of your choice.

The GeoBlue protection follow you wherever you may be. On holiday outside of California, even across the globe.

GeoBlue Mobile App:

The GeoBlue Mobile app allows you to view doctor profiles, specific languages, forward your ID card to the doctors office, fill prescriptions or make an appointment. Contact GeoBlue 24/7/365 for questions, answers or help with a situation. You are never alone with GeoBlue.

Comprehensive protection, unsurpassed access to quality doctors and hospitals, along with concierge member service.

Stanford Required minimum coverage:

  • You must always receive a referral if you wish to be seen outside of the Vaden Health Center (VHC).
  • All care must be arranged by VHC.
  • geoblue student 1Tier 1 services will be provide by VHC or Stanford Medical Center.
  • Tier 2 services will be referred to a Health Net PPO provider if the services are not available at VHC.
  • Deductible: Tier 1 ($0), Tier 2 ($500)
  • Out of pocket maximum: Tier 1 ($2,000), Tier 2 ($4,000)
  • Student responsibility for most services: 30% up to $2,000 or $4,000.
  • Medical benefits of at least $50,000 per accident or illness.
  • Repatriation of remains in the amount of $7,500.
  • Expenses associated with the medical evacuation of the exchange visitor to his or her home country in the amount of $10,000.
  • A deductible not to exceed $500 per accident or illness.
  • If a particular activity is a part of your Exchange Visitor program, your insurance must cover injuries resulting from your participation in that activity.
  • The policy may establish a waiting period before it covers pre-existing conditions (health problems you had before you bought the insurance), as long as the waiting period is reasonable by current standards in the insurance industry.
  • The policy must be backed by the full faith and credit of your home country government or the company providing the insurance must meet minimum rating requirements established by DOS (an A.M. Best rating of “A-” or above, an Insurance Solvency International, Ltd. (ISI) rating of “A-i” or above, a Standard & Poor’s Claims-paying Ability rating of “A-” or above, or a Weiss Research, Inc. rating of B+ or above)

Stanford University does offer a student plan through Health Net Insurance company, although it does not provide coverage for “Medical Evacuation” to your home country or “repatriation of remains.”

Take it with you …

A typical school health insurance plan will not provide much coverage if you return to your home country for a visit(s).  Or, if you decide to travel internationally over the holidays.  An international health insurance plan provides quality health insurance coverage regardless of where you go.

Eligibility …

All international citizens studying, traveling, working and living abroad who are age 12 and older.

How to Enroll …

Simply complete the on-line enrollment.  You will be given a confirmation, then you can view and print your ID card or wait for it to arrive in the mail.  It’s that simple.

Please feel free to contact me anytime, I will be happy to answer all of your questions.

John Conner
916-682-1117
john@johnconner.com

Questions & Comments: