Higher Education in America: Health Insurance for Students - 2003-06-28

In a previous report, we discussed the cost of education at an American college or university. This time, we will talk about another issue that a foreign student wishing to continue their university education in America may not be aware of: health insurance. Foreign students may not realize the necessity of health insurance for continuing their studies in America, especially if they do not require such insurance in their home country. However, Americans are responsible for their own medical expenses. These costs can significantly increase in the event of serious illnesses or accidents. The purpose of having health insurance is to ensure that such expenses will be paid in a timely and complete manner. Most full-time students at American universities are required to have health insurance. The reason for this requirement is that colleges and universities cannot cover the expensive medical care costs if a student suffers an accident or illness, and they generally have no obligation or responsibility in this regard. Many colleges in America have health centers or clinics where doctors and nurses address and treat students' medical issues. These services may be included in the overall registration and tuition fees, but usually having health insurance is necessary to access more extensive medical services. Students may be covered under their family's health insurance before entering college. If not, many colleges offer their own health insurance plans to students. For example, students at the University of Michigan's medical center in Ann Arbor receive treatment for minor medical issues without payment. However, the university advises students to purchase the university's health insurance, which will cover the costs of other medical services if needed. The annual cost of health insurance at this university is about $1,300. Such insurance typically covers hospital services, emergency care, and doctor visits. Insurances usually do not cover dental treatment and glasses. The University of Chicago requires foreign students to either purchase the university's insurance or insurance from a private company approved by the university. Students can also buy health insurance from a private company. The features of each insurance differ from one another. Generally, insurance covers the costs of visiting doctors and hospital expenses. Overall, American university officials want to ensure that in the event of illness or another incident, all potential health costs for foreign students will be covered.