First, know the hospitals covered by your insurance.
Some schools have their own clinics (some don't), and the medical services that students receive in the school clinics can generally be fully reimbursed from the insurance.
However, due to the limited service items and time of school clinics, for example, they may not be open on holidays, or only treat some simple diseases. In this case, students can only go to the off-campus hospital for treatment, but the cost is often more expensive, and the medical insurance purchased by the school may not be fully covered.
Reminder: Get familiar with the distribution addresses and telephone numbers of hospitals around the living area in advance (you can call 9 1 1 in case of emergency) to find out which hospital is the contracted hospital of your insurance company. Don't go to the wrong hospital in an emergency and give the insurance company an excuse to refuse to pay or pay less.
The second is the date of insurance, such as whether it will be insured during the school holiday.
Holidays are the concentrated time for international students to travel, and many people also engage in high-risk sports such as skiing. If you are injured during this period, you must have medical insurance protection.
Third, almost all medical insurance will not cover students' pre-existing status.
Therefore, you must know what known or chronic health problems your child has before going abroad. See a doctor before going abroad. If you need to insist on daily medication, you'd better prepare some drugs in advance, and write down the English names of diseases and drugs first, so as to communicate with school teachers or American doctors in the future.
Fourth, medical insurance for international students in the United States is separate from dental and ophthalmic insurance.
The school does not require students to buy dental and ophthalmic insurance, and general dental insurance does not include orthodontics; Most of the students' eye problems are myopia, and they only need glasses to meet their vision requirements at school, so most international students do not buy dental and ophthalmic insurance.
5. Can insurance go with people?
If you plan to transfer, can you cancel the medical insurance you bought before, or transfer with your classmates?