Student Insurance in USA

Compare and Buy International Student Insurance

When you plan to study abroad at an international school or university, you will be required by both your school and your host country to have adequate international student insurance before arriving. To ensure you have the right plan, International Citizens Insurance provides a range of options that will meet or exceed most visa insurance requirements and most schools’ overseas student health coverage.

Insurance for Students Studying Abroad

Our Study Abroad Insurance Plans are for US Citizens studying abroad or enrolled directly at a foreign school.  In either case, make sure you have reviewed your coverage options.  You may be able to save money and get additional benefits from buying a plan directly from one of our providers.  Review the student health plan’s package of benefits, exclusions, and coverage amounts to ensure you are getting what you need – at the right price.

Global Student Insurance Plans

Our International Student Health Insurance plans are available to anyone studying in a foreign country.  You may choose to purchase a policy on your own as an alternative to the school’s plan.  Sometimes, you can lower your costs while securing a better plan when buying outside the school plan.  This often makes more sense for older students, OPT participants, married students, or students with families.

Best Plans for Study Abroad and International Students

WorldTrips StudentSecure Plan

WorldTrips offers the Student Secure plan for international students enrolled in foreign schools and students studying abroad for less than one year. The Student Secure plan is ideal for foreign students enrolled at US colleges and universities.

GeoBlue Student Plan

The GeoBlue student plan is the Navigator plan for study abroad. The Navigator plan is an excellent option for US students studying abroad or international students in the USA. Eligible applicants include:

• Foreign Students living and studying in the U.S.A.
• International Faculty and Research Scholars in the U.S.
• Optional Practical Training (see OPT Insurance) Participants living in the U.S.
• U.S. Students and/or Faculty planning on studying or teaching outside of the U.S.A.
• cuation, repatriation, and all other benefits most schools require.
• Student insurance in the USA generally refers to health insurance plans designed specifically for students. These plans provide coverage for a range of medical services and are often required by educational institutions for students. Here’s a detailed overview:

1:TYPES OF STUDENTS INSURANCE:

a. School-Sponsored Health Insurance

Description: Many colleges and universities offer their own health insurance plans to students. These plans are typically tailored to the needs of students and may offer coverage that’s integrated with campus health services.

- Features:

  - Coverage for routine check-ups, emergency care, and hospitalization.

  - Often includes mental health services and preventive care.

  - May include access to on-campus health services.

  - Premiums are usually billed directly through the school.

b. Private Health Insurance

-Description: Students can also purchase health insurance independently from private insurance companies. These plans can be more flexible but require more active management by the student.

-Features:

  - Range of plans with various levels of coverage and cost.

  - Flexibility to choose healthcare providers and services.

  - Often includes a network of doctors and hospitals.

c. Family Health Insurance

- Description: Students can remain on their parents’ health insurance plan, typically until they turn 26. This is often the most cost-effective option.

- Features:

  - Coverage might include a broad range of medical services.

  - Students must check if their parents’ plan includes coverage in the area where they are studying, especially if it’s out of state.

2:KEY COVERAGE:

a. Preventive Care

- Covers routine check-ups, vaccinations, screenings, and counseling.

- Usually offered at no additional cost to the insured.

b. Emergency Services

- Includes ambulance services, emergency room visits, and urgent care.

- Coverage may vary based on whether the care is in-network or out-of-network.

c. Hospitalization

- Covers inpatient services including surgery, room and board, and other hospital-related expenses.

- Usually requires a copayment or deductible.

d. Prescription Drugs

- Covers medications prescribed by a doctor.

- May include both generic and brand-name drugs with varying copays.

e. Mental Health Services

- Includes therapy, counseling, and psychiatric services.

- Often covered similarly to other medical services, with some plans offering expanded mental health benefits.

f. Routine Care

- Includes office visits, diagnostics, and laboratory tests.

- Coverage levels vary depending on the plan.

3:ELIGIBILITY:

a. School Requirements

- Many institutions require students to have health insurance and offer their own plans as a default option. Students can typically opt-out if they have equivalent coverage.

- Enrollment deadlines are often aligned with the academic calendar.

b. Open Enrollment

- For private insurance, there are specific open enrollment periods during which students can apply for or change their insurance plans.

c. Special Enrollment Periods

- Certain life events, like moving or changes in family status, can qualify students for special enrollment periods outside the regular open enrollment timeframe.

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4:COST:

a. Premiums

- The cost of insurance can vary widely based on the type of plan, the student’s age, health status, and location.

- School-sponsored plans often have fixed premiums billed through the institution.

b. Deductibles and Copayments

- Students may need to pay deductibles (the amount paid out-of-pocket before coverage kicks in) and copayments (a fixed amount for specific services).

\c. Financial Aid

- Some schools and insurance plans may offer financial assistance or discounts based on need.

5:HOW TO CHOOSE THE RIGHT PLAN:

- Coverage Needs: Assess the student’s health needs, including any existing conditions or required medications.

-Provider Network: Check if preferred doctors and local facilities are covered under the plan.

- Cost: Compare premiums, deductibles, and out-of-pocket costs.

-Plan Benefits: Review additional benefits such as mental health services, wellness programs, and access to campus health services.

6:SUPPORT:

-School Health Services: Most institutions have a health services office that can provide information about insurance options and assist with enrollment.

-Insurance Brokers: Independent agents can help students navigate private insurance options and find a plan that fits their needs.

- State and Federal Resources: Websites like HealthCare.gov provide information on health insurance options and assistance programs.

Navigating student insurance can be complex, but understanding the different options and what’s covered can help students make informed decisions about their healthcare needs.