Students in the United States must do to buy health insurance

Yes, be required to buy insurance!
The purchase of insurance requirements specified by the U.S. Immigration! School Health American universities have most of the clinics, clinic or other forms of student health services. Students each semester to pay the "health fee" that is used to this type of health care services. However, the university's health services is limited to Toutengnaore and first-aid deal. The event of severe illness, school students will go to a local hospital for treatment, medical expenses, of course, required by the students themselves pay. You have to take the school to send you the information that schools in general will be able to provide health care services and their costs. Health Insurance Plan If you do not attend the university to provide you with health insurance, you must own to participate in a health insurance plan, because the only way to make your million - have been seriously injured or seriously ill when they do not have to pay expensive medical fees. The United States has numerous health insurance companies, each company to provide several health insurance plans. You can invite students to the instructor when you have staff in order to participate in the most suitable health insurance plan. Here are several different types of health insurance plan: (A) to be funded by students If you get a unit of U.S.-funded scholarships or enjoy, then, are likely to have subsidized housing units to provide you with health insurance. You have to look into the matter in accordance with the insurance you can enjoy what insurance services, which can not enjoy insurance services. If your spouse or a child with you to the United States, it is necessary to find out about their health care provisions in place. (B) of the University Insurance Program In addition to some universities require every student each semester to pay the "health fee", but also to participate in health and accident insurance. However, the majority of students in schools only to recommend a student health insurance plan. Most of these schemes as the parents or students have participated in some kind of health insurance plans to add. Although this insurance is better than no insurance strong, but very few can meet the needs of students. You may or sent a letter to the school after the instructor to ask students to participate in health insurance. (C) special scheme for students Foreign students studying in the United States with the National Commission for the two insurance companies to design for a number of foreign students in the United States needs insurance. These types of insurance a wide range of fees more reasonable. Need to know details of the case, sent a letter to the following two units: 1.NAFSA-International Accident and Sickness Program Hinchcliff Internati onal, Inc. 102 The Commons Ithaca, New York 14850 2.NAFSA Health Care Plus I nternational Underwriters, Inc. 7653 Leesbury Pike Falls Church, Virginia 22 044 If you and your spouse (or) the children with you, please understand at the same time, including family members of the family insurance plan. Insurance coverage, and limit the scope of non-insurance (A) basic health insurance coverage Basic health insurance is usually the treatment of serious diseases, including fees (or a certain percentage of medical costs), maintenance and operation costs. Xiaomao minor illnesses and minor pain in the doctor's clinic where the treatment will be able to, so most health insurance policies do not pay for minor illnesses Xiaomao medical expenses. If you and your spouse (or) you have a child together with the United States must also ensure that they enjoy health insurance, for which you can buy a you and your family members can enjoy the "family insurance plan." (B) major medical insurance Major medical insurance provides services to long-term sick or injured patients. Such insurance is not for you to pay all medical expenses, often contain a "deduction clause" to provide that I have to pay a specified amount of money from insurance companies to pay more than some; or provided for by the insurance company to pay a certain percentage (usually more than 100 50 000) of medical expenses. Typically, the amount I pay in advance in the 500-1000 U.S. dollars, depending on the specific amount of insurance and insurance of the type of content. Insurance companies to pay the maximum amount in general between 5000-25000 US dollars. (C) limit Most of the insurance provisions are certain limits, that is, insurance for all types of health services to pay the maximum amount, more than the amount of the cost of patient care will be. However, foreign students affairs of the National Committee for the student insurance scheme designed only for the ward of the hospital fees and meals provided for a maximum limit, all other costs borne by insurance companies. (D) the scope of non-insurance 1. Obstetrical Maternity insurance must be purchased separately. Most of obstetrics hospital maternity insurance allowed for two days. In the United States, a normal delivery costs 1850-2850 US dollars. 2. Dental In the first domestic make the best dental treatment, because the United States of dental costs are very expensive. 3. Spectacles If you wear glasses, then left in the past to make eye examinations, when the United States to bring optometry and a single back-up glasses. Unless eye injuries, health insurance generally does not pay the cost of ophthalmology. 4. Existing illness For insurance before the effective date of the illness have the necessary medical expenses, most insurance companies will not pay.