Healthcare & Insurance
If you're planning to study in the United States, understanding the healthcare system is essential. Unlike the UK and many other countries, the US does not offer publicly funded healthcare. Medical treatment can be extremely expensive, and having suitable insurance is a vital part of your preparations.
Health Insurance Requirements
Most US universities require international students to have valid health insurance for the duration of their studies. Some institutions automatically enrol students in their own student health insurance plans. Others allow you to choose a private policy, provided it meets specific coverage standards.
You should always check the university's requirements before purchasing a plan.
What Does Health Insurance Cover?
Typical student health insurance policies in the US may include:
Visits to the doctor
Emergency medical treatment
Hospital stays and surgery
Mental health services
Prescription medications
Some preventative care
However, coverage can vary considerably. It is important to read the policy details carefully and understand what is and isn’t included.
Costs to Expect
Annual health insurance premiums for international students usually range from $1,500 to $3,500. Some universities include this in their fees; others will expect you to arrange and pay for it separately.
Remember that this is in addition to your tuition, accommodation, and general living costs.
Can Travel Insurance Be Used?
No. Travel insurance is not suitable for long-term or routine healthcare. It is typically designed for short-term stays and emergency situations only.
Paying for Treatment
In some cases, you may need to pay for treatment upfront and then claim reimbursement from your insurance provider. Others may use direct billing if they work with your insurer. Keep all receipts and paperwork in case you need to submit a claim.
Emergency and Routine Care
For non-emergency issues, most students use the university’s health centre or a local clinic. These are generally more affordable than hospitals. In a genuine emergency, you should go to a hospital, but be aware that emergency care in the US is expensive, and ambulance fees can be substantial.
Dental and Vision Care
Most student health insurance plans do not include dental or vision cover. If you need regular dental check-ups or wear glasses or contact lenses, you may need additional cover or should plan to pay separately for these services.
Top Tips
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- Familiarise yourself with your policy, including co-pays, deductibles, and what services are covered.
- Register with your university health centre as soon as you arrive.
- Keep your insurance documents with you and know how to contact your insurer in case of an emergency.
Why Choose Sorrento Education?
As an independent consultancy, we offer honest, unbiased advice with your child’s best interests at heart. Our goal is to equip your family with the tools and confidence to navigate this important journey successfully.