How do international students choose medical insurance?

There are many medical insurance companies in the United States, and each company also has a variety of medical insurance plans (also known as 留学生 医疗保险). How can foreign students choose among many insurance companies and many insurance plans? The following is a brief introduction to US medical insurance companies and medical insurance plans. International students can make effective comparisons of various medical insurances and find the insurance that is most beneficial and suitable for them.

Frist, to understand the co-insurance of the insurance plan. It refers to the ratio of the insured’s share of the expenses with the insurance company if the total medical expenses exceed the amount of the deductible. If some insurance plans pay only 80% of the medical expenses, the policyholders must pay 20%. For different diseases, the insurance plan may also have different co-payment ratios. Some diseases are higher and others are lower. This generally has a table listing the co-payment ratios in various situations. In addition, there are insurance plans that implement different ratios of compensation for different parts of medical expenses. For example, the insurance plan pays 100% of the first 2,000 yuan of medical expenses, 80% of the 2,000 yuan to 20,000 yuan, and 100% of the 20,000 yuan.

Second, to understand the Coverage and Special Limits. Many health insurances in the United States do not cover Dental Care and Maternity Care. If necessary, you need to purchase specialized dental insurance. For some medical services, many insurance plans stipulate certain payment limits, such as restrictions on hospital fees, doctors, surgery fees, anesthesia fees, and psychotherapy fees. Third, to understand the insurance discharge and return provisions (Medical Evacuation/Repatriation). This clause has a lot to do with us. If there is a discharge payment clause in the insurance, the insurance company will have to pay the necessary transportation expenses when the insured needs to go home for treatment. Information can be obtained from the International Student Office or consulted with your health insurance company about the service.

Health insurance is very important in the US. Many schools require F-1 students to buy health insurance (also known as 留学生 保险). You are also recommended to buy health insurance after graduation, such as opt insurance (also knowns as opt保险). Some employers provide health insurance with employees. Remember to ask for your employer about health insurance before accepting an offer. The most common and traditional way to convert a student visa to a work visa is to apply for an H-1B visa. Since the H-1B visa application (also known as h1b 申请) and the H-1B lottery procedure (also known as h1b 抽签) are very complicated, you should always consider hiring an immigration lawyer (also known as 纽约移民律师) when you apply for an H-1B visa.

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