Thursday, September 25, 2014

Health Insurance for Studying in the U.S.

Are you planning on studying abroad in the U.S.? Then, you may be required to enroll in a student health insurance plan while you are studying in the U.S. Watch our latest video blog on common terms you'll need to know when reviewing plans and important things to consider before enrolling in a student health insurance plan.

Unlike many other countries around the world, the U.S. does not offer universal care. So, most health care insurance plans are provided through private companies. Health care costs in the United States can also be very expensive and it is highly recommended that you enroll in some type of health insurance. 

Most U.S. universities will offer a student insurance plan that you can easily enroll in but will also provide you with the option to find your own insurance plan. Here are a few terms that you will hear when enrolling in a health insurance. 

1. The premium is the amount paid for an insurance policy.

2. The deductible is a fixed amount that you are required to pay before the insurance company begins to pay towards your medical expenses. Medical expenses are often called “claims”. 

3. A co-insurance is a type of insurance where you pay a percentage of the medical payment. For example, you pay 20% of the medical expense amount. 

4. Co-payments are fixed amounts you pay each time you get health care service. 

I hope that gave you some overview of medical insurance plans in the U.S. 

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