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Medical insurance in USA for international students is different from what you have in China and will be different from what American students have. Usually American students at the secondary schools have their health insurance under their family plan and international students should plan to buy insurance independently. Colleges and Universities offer more comprehensive health insurance plan to international students since they do have contract with big insurance company, however, the secondary schools in many cases do not offer this type of plan. Each individual student then should do research and find an appropriate on with good coverage. Price and coverage vary depending on plans.
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國際生所上的美國醫(yī)療保險(xiǎn)不僅和國內(nèi)差別很大,而且也不同于美國本土學(xué)生的醫(yī)療保險(xiǎn)。通常美國中學(xué)生的保險(xiǎn)計(jì)劃是包含在整個(gè)家庭保險(xiǎn)計(jì)劃中的。而國際生需要單獨(dú)購買。學(xué)院和大學(xué)提供給國際生更充分的醫(yī)療保險(xiǎn),因?yàn)樗麄兒痛蟮谋kU(xiǎn)公司有合作關(guān)系。然而,初中學(xué)校在很多情況下卻不提供這種醫(yī)療保險(xiǎn)。每個(gè)國際學(xué)生需要自己做調(diào)查,找到適合自己的保險(xiǎn)計(jì)劃。價(jià)格和保險(xiǎn)范疇由所購買的保險(xiǎn)計(jì)劃決定。
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建議盡快購買醫(yī)療保險(xiǎn),有的保險(xiǎn)是會(huì)延期生效的,所以需要早辦,以免需要就醫(yī)時(shí)遇到麻煩。由于你是國際生,所以可以參考其他招收國際學(xué)生的學(xué)校給他們買的保險(xiǎn)的種類。網(wǎng)上有一個(gè),供你參考。
http://www.internationalstudentinsurance.com/student-health-insurance/
此外,給你一個(gè)森林湖中學(xué)護(hù)士的email,這是伊利諾伊的一所寄宿高中,對于國際學(xué)生保險(xiǎn)他們經(jīng)驗(yàn)很豐富:
Kathleen Conley: kconley@lfanet.org, 該校健康保險(xiǎn)負(fù)責(zé)主任Sarah Collins: scollins@lfanet.org -
建議可以問下學(xué)校的老師,一般他們都會(huì)有相應(yīng)的保險(xiǎn)機(jī)構(gòu)的。國際學(xué)生一般都是要求要購買醫(yī)療保險(xiǎn)的!