Comparison between on campus and off campus insurance

 

Health insurance is very important in the US. Many schools require F-1 students to buy health insurance (also known as 留学生 保险). You are also recommended to buy health insurance after graduation, such as opt insurance (also knowns as opt保险). Some employers provide health insurance with employees. Remember to ask for your employer about health insurance before accepting an offer. The most common and traditional way to convert a student visa to a work visa is to apply for an H-1B visa. Since the H-1B visa application (also known as h1b 申请) and the H-1B lottery procedure (also known as h1b 抽签) are very complicated, you should always consider hiring an immigration lawyer (also known as 纽约移民律师) when you apply for an H-1B visa. In this article, we will go over the on campus and off campus insurance.

On Campus Insurance

For on campus insurance, we will take an example of Columbia University’s insurance. The school insurance is divided into two parts. One is the Student Health Service Fee. It is similar to the medical service fee on campus. It is used to use some medical resources on campus. It is about 500 US dollars per semester. The fee; the other is the Health Insurance Plan, which belongs to an insurance program called Aetna’s off-campus insurance company, which ranges from $2783 or $4049 a year (depending on whether you choose Gold Plan or Platinum Plan).

Off-campus insurance, such as the Dream Go team and United Healthcare’s scholarly insurance program, costs $1,240-$1,735 a year, depending on the age of the student. The content of this project is in line with Columbia University’s $4049 school insurance program.

On-campus off-campus insurance mainly uses PPO, Preferred Provider Organizations, which is a priority provider organization. It can have different deductibles to represent the interests of policyholders.

Negotiate and bargain with hospitals or doctors for service charges. A hospital or doctor who agrees to lower the price of the fee and is willing to accept supervision to sign the contract. Insureds can pay a higher deductible to lower their premiums, or they can choose fewer insurance benefits to lower their premiums. For example, the cost of basic PPO insurance is quite low. The other is that if you buy this insurance, then the medical institutions in the PPO network will be covered, and you can go anywhere. Of course, you can go outside the PPO, that is, the amount of insurance is less.

Depending on the school, there is a difference in school insurance. In-school insurance is generally full insurance in the network except for hospitalization. If you are in school, Copay will not be paid. Copay refers to the small amount paid by the insured for medical treatment or dispensing. If it is out of network (a hospital that does not belong to the PPO network), the insurance is to pay most of the expenses other than Copay, and Copay does not wait for different circumstances.