International student health insurance is expensive. Do I really need to buy student health insurance?
Student health insurance is expensive. For F1 students coming from foreign countries especially from India, paying $800 per semester for health insurance is no joke.
Unfortunately, you need to have health insurance coverage.
Health care costs in US is expensive. You will be able to visit a doctor for $2 fees back in India. Here, without insurance, for a regular visit, you have to shell out like $100 without insurance.
You should have read about $5000 Medical bill for students on F1 Visa.
Health Insurance plans – Options
- Option 1: Health Insurance from University
- Option 2 : Health Insurance Plan from private providers.
If its mandatory to buy health insurance provided by the university, then you don’t have a choice.
Spend time to learn about insurance plans.
Private Health Insurance Providers
If there is an option to buy health coverage from private providers, then by from them.
It’s usually cheap to buy from private providers, and you will have several options to choose from.
After you buy the health insurance coverage from private party, you will be required to by the university show proof that of health insurance coverage.
You have to show the confirmation page from the plan after purchase.
Buying Health Insurance from Private Party
Cost of the student health insurance plan depends on several options
- Are there deductibles to meet before the plan starts covering costs?
- After the deductible is met, what percentage of costs will the plan cover and pay?
- Are there co-payments and how much?
- What is the cost of seeing a doctor outside the network?
- Are there any limits on what the plan will pay?
- What is your medical needs?
Cheapest plan might not be the best plan for you. Every person is unique with different medical requirements.
If you have decided to buy a plan from private party, here are a couple of companies affiliate companies for you to consider.
Health Insurance plans here are bit expensive compared to ISOA.
If you like to compare plans cost with ISOA visit eHealthInsurance.com
I personally know few students who purchased student health insurance from ISOA.
Their website is easy to compare several plans (cheap to expensive).
Within a few click of a button, you can buy the health insurance coverage within minutes.
- Rates start at $29 per month
- 6 Months – $39 x 6 = $174
Go through the listed plans, understand your needs and coverage options. Select the best plan.
ISOA Student Health Insurance (specialized in providing insurance for international students).
If you have any questions, let me know.
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