n studying at a school abroad. While most parents concerns are about the cost of this coverage, other parents are asking about the conditions of these plans. Many parents will be surprised to find out, that many of these plans are afforable. Most are even better than the insurance plans offered in some schools or programs.Most consultants faced with explaining these cost, may find many international insurance plans provide exceed the plans by schools. Most international plans also cover student studying in abroad. Students who are citizens in the United States have to pay even more for insurance than their neighbors from other countries. There are limits to this coverage, depending on the state where the individual lives, however, their status as a student will affect whether they are accepted or denied in a plan. An example: might be if you are attendnig a school outside the country and full time student, coverage will likely be provided.
However if you are not a citizen living in the states, not a full time student, this would not be covered. Also you would not be accepted in a local plan. Depending on the state where the student lives, a local insurance plan is the only option for parents. For example: A student might be covered in Virginia, but not in New York, especially if they are not a full time student studying abroad. They might be covered, if they are a full time student, but not covered in certain countries, particularly when the State Department has restrictions for student citizens of the United States.
While most parents may have a local insurance plan or local carrier, for their child. An internatinoal plan would likely not be necessary, for a student living in the United States. However, if they are not covered by a local provider, having a international plan as an international student would be a good option, if they were a international student. When a student is not a full time student, they cannot be covered by most international plans.
The same applies, if they are insured by a local insurance carrier in the United States.
The student would be covered by an international plan, if they were re-entering the United States. but only for a limited time which is usually 15 days. The plan would also allows pre existing conditions to be covered as well. This depending on the plan, or the plan administrator coverage may be varied.
Lord's of London is one of the largest insurance providers in the world which has such a plan for student. It is one of the most recognized and best insurance companies in the world providing insurance for international students. The deductible is minimal and the coverage is extremely well benefited.
Blue Cross and Blue Shield on the other hand offers a very limited plan in the United States. It is usually offered state to state, not internationally. Arizona Blue Cross , which is a single carrier, providing limited coverage for students attending schools, in Arizona, is much more expensive than the plan for international students.
This does not include: neighboring states. Most plans in the United States have a monthly rate which can be paid by the parents of the student. A local plan is sometimes limited to certain states. New York, Virginia, New Hampshire have varied plans with Blue Cross Blue Shield. There is additional cost to spouses, usually a deductible for insurance by the parents.
The international plan offers a$100 one hundred dollar, deductible which must be paid at the time of service, and covers unde ra budget plan of $250,000 dollars of coverage. Follow-up visit do not have to pay this deductible. Total cost woud be $595 five hundred and ninety dollars, which includees the administrative fees covered by this plan. The plan would also cover most countries including Canada.
All students studying abroad are included in the plan offered by Lords, no matter what country they reside. The appeal the plan is it is much more afforable. Furthermmore this insurace is marketed to other countries, we also found similar plans which provide better care than the insurance in the United States.
Many parents debating the issue of health care reform may need to take a second look at how this might play out if we ever have a national health care plan. It might force coverage by existing plans, to jump on board. While they have numerous reason for denying health care to millions of students, not allowing afforable health care for students is often an add on fee to tuition as most private school and even universities. A national health care plan might include student insurance, and it might eliminate students not having plans in any country. If this sounds confusing, well it is, it has taken me hours talking to insurance agents on this topic, many have many options, and terms you just can't imagine.
We believe helping students and parents, through this process, discussing an afforable health care is needed. The current cost of existing health care plans estimated to exceed 300 per cent in the next few years, will make it impossible for parents to afford health care. The United States is last on providing affordable health care for all citizens, not to mention students. While the controversy of health care coverage is not passed the Senate, it appears some movement is coming on this issue shortly but will it cover student insurance? Many of our parents who we work with were very suprized to see this as an add on to their tuition, while other were aware of this cost.
While health care coverage for international students is much more afforable than on a localinsurance plan, many parents faced with this challenge might not be as familar with the different cost for families. What do you think? Is insurace more afforable for your child studying abroad or is local insurance more afforable? Were you aware of insurance differences and pricing? Did you know insurance is offered at many private schools? Do you have a son or daughter who might be an international student? What choice would you make?
