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What health insurance to study in the United States?

Being accepted to study at an American university is a dream for many young French people who see it as an important international opening on their CV, and rightly so. If it is a great adventure, it is prepared well in advance, at several levels including that of health insurance. Our edition went to meet EuropUSA, which has been supporting thousands of people for 20 years in their expatriation to the United States. Thanks to quality assurances, solid guarantees and important partners. Given the very high medical cost in the United States, it is essential to prevent any risk through health insurance contracts for international students living in the United States. Here is what you absolutely need to know before crossing the Atlantic to study in the land of Uncle Sam.

What insurance to study in the United States?

It is the F1 visa that is granted to most international students who wish to study in the United States. Once the visa is approved, students can arrive in the United States up to 30 days before the start of their academic year, and must keep the visa throughout their studies, then leave the country within 60 days of the end. of their program. All American universities require their students to attest to their medical coverage during the time of their studies in the USA. Some institutions will require all of their international students to have school-sponsored insurance coverage, while others will allow such students to purchase insurance of their choice. Even if the university offers insurance by default, it is always possible to waive this obligation if you are able to ensure that the insurance you have taken out meets the conditions required by the university. It is then a question of attesting it by a “waiver” and a certificate of your insurer detailing the guarantees of the insurance. Regardless of a school’s health insurance requirements, it should never be forgotten that proper insurance is the only way to protect against unexpected medical bills.

The US Department of State requires exchange visitors on a J-1 visa and their dependents on a J-2 visa to be covered by medical insurance for the duration of their program. The Department of State requires specific safeguards for J-1 visa students but not F-1 visa students unlike universities. Some international students may mistakenly believe that health insurance is the same as in their home country, not realizing that there is no national or free medical care in the United States. While in many countries the government covers the cost of health care for its citizens, in the United States students and their families are responsible for these costs. A French student, for example, is used to having the opportunity to go to any local hospital to obtain covered treatment while in the United States, this same student will have to know the hospital where he can get it. treat according to their insurance coverage.

EuropUSA, specialized for more than 20 years in insurance in the United States, offers through the Gold Student contract different levels of student insurance guarantees for the United States and for trainees. ” In the United States, your American university may require specific criteria. In this case, it is the Student Global insurance that you will need to take out,” explains the specialist in health insurance in the United States. Student Global insurance is for all French students going to study in the United States. It provides for the reimbursement of medical costs at 100% of actual costs and without deductible, 100% of hospitalization costs, 100% of current medical costs such as consultations, pharmacy, laboratory costs, imaging, etc. . But also the coverage of dental, optical and preventive care, assistance and repatriation as well as civil liability ”explains EuropUSA.

Demanding American universities

Indeed, many American universities require minimum criteria for international student insurance such as medical benefits of at least $500,000 per accident or illness, payment for the repatriation of bodies to the country of origin, in the event of death , in the amount of $25,000, payment for medical evacuation — transportation to the country of origin on the advice of the attending physician — in the amount of $50,000 or a deductible not exceeding $500 per accident or sickness. In addition, other American universities require specific student insurance including mental health coverage, maternity coverage and prescription drug coverage.

Student Global insurance makes it possible to meet these very high conditions and if this is not the case, the insured is reimbursed. Student insurance in the USA easily costs $3,000 per year when the price for the full Student Global contract is less than 1000 euros per year. The acceptance rate is almost 98% of the US universities students go to in the USA. ” In the event of hospitalization, the insurance pays the costs directly to the hospital and you do not have to advance any costs according to the conditions of the contract. We have a US call-in phone number and a US care management platform, which many US universities require for international student insurance concludes EuropUSA.

The undeniable advantages of Student Global insurance: it offers at least a 50% reduction or even a price three to four times cheaper than the insurance of American universities, it is an insurance valid for students aged up to 35 and for stays of a few months to several years, it offers international coverage, including in France during temporary returns. Finally, it gives an address and a support platform number in France and the United States as required by American universities.

To subscribe to the Student Global insurance

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