Health coverage and medical costs can be costly for both citizens and non-citizens of the United States, and having a sufficient international student health insurance plan is beneficial when studying abroad. International medical insurance programs make it easier and more convenient to obtain quality health care in case of a medical emergency or illness. Not only is it simpler to find the right doctor and quality medical facilities when you have foreign student health insurance coverage, but you will be in a much better position to support yourself financially. Medical bills and expenses can lead to financial ruin without appropriate insurance, and preventing potential money stresses is easy by selecting the right international student health insurance plan.
Health insurance is mandatory for all international students and scholars enrolled at SUNY campuses. International students in F-1 and J-1 student visa categories and other non-immigrant visa categories are required to enroll in the SUNY policy. International scholars with J-1 exchange/visitor, researcher, and professor visa status are also required to enroll in the policy, but are exempt if enrolled in the SUNY Graduate Assistant policy.
What is International Student Health Insurance?
International student health insurance is for students who are studying away from their home country, and offers them access to health care and facilities. International medical insurance makes it much easier to receive quality health care and benefits from legitimate insurance providers, and can help save thousands of dollars in case of an emergency or illness. Medical expenses can be very costly, especially for those entering the United States on a temporary basis. In addition, many health care providers at colleges and universities can deny treatment if a student does not provide appropriate records of international student insurance coverage.
Current U.S. Laws Requiring International Student Medical Insurance Coverage
Each state has different laws and regulations regarding medical insurance coverage, but almost every college and university that accepts students on an ‘F’ visa requires proof of financial ability before enrolling in a college program. This means that students may be deemed ineligible for studies in the U.S. if they cannot support themselves financially; having the appropriate medical coverage is essential to this process, and all students need to carry at least the most basic international student medical insurance during their stay. While colleges and universities cannot track if a student is continuing with their selected foreign student health insurance, the risk of getting sick or requiring surgery is still a problem. If a student cannot afford to take care of their health because of increased medical expenses, they may be required to forfeit their status as a student and return to their home country.
Why Is International Student Health Insurance Important While Studying in the U.S.?
International student health insurance is important when studying in the U.S. for a variety of reasons including:
· Receiving adequate and quality health care in an emergency situation
· Having access to doctors and other health care providers to ensure optimal health throughout the year
· Reducing the chances of having to manage the high costs of treatment, doctor visits, and prescription medication
· Receiving adequate health care from legitimate providers
· Reducing the burden of financial hardship in case of emergency treatment
Assessment of the Insurance Premium:
Students registering for classes during the fall term will be charged the annual premium, $908.00 for the 2010-2011 academic year, which provides insurance coverage from 08/15/2010 through 06/14/2011. Students entering college during the spring semester are charged a premium of $454.00 that covers the period from 01/15/2011 through 06/14/2011. The summer only premium is $272.50, which provides coverage from 05/15/2011 through 08/14/2011.
Waiver of Medical Insurance:
Certain persons may be exempt and if they show proof of comparable major medical coverage to the appropriate office on campus. These students may be required to purchase the Medical Evacuation and Repatriation Policy. Click here for a printable SUNY Medical Insurance Plan Waiver Request Form.
Dependents (up to age 19 years) of all covered persons may purchase the SUNY plan. Dependent coverage is voluntary and enrollment must be made directly to HTH Worldwide within 31 days of the date that the dependent becomes eligible (i.e., the date that a person enters the country on a dependent’s visa, marries an eligible person, or date of birth for newborn dependents) for coverage under this plan.
HTH Worldwide Insurance Services Interactive Resources:
Students enrolled in the insurance plan may register for access to HTH’s Interactive Resources by going to hthstudents.com. Students need the following information available on the insurance ID card for their first visit to register at the site: certificate number, first name (exactly as it appears on the ID card), and family name (exactly as it appears on the ID card). Thereafter, students only need their e-mail address and password to access the services.
HTH’s Interactive Resources include:
- Online claims status
- Coverage limits and personal information
- Doctor search in the U.S. and abroad
- Travel health and safety news and articles
- Medical term, phrase and drug translation databases
- Access to CityHealth Profiles for important health information in cities worldwide
- Personalized news and e-mail, which can be delivered to the student and up to five of his or her family members and friends.
- Click here for a printable claim form.