Regardless of your choice of
insurance company, you need to clearly understand the nature and the extent of
your coverage. Here are a few basic points that are especially noteworthy:
or family coverage. If you have dependents (a spouse
and/or children), you need to be sure they are also covered! You
may purchase individual policies for each person or purchase
"dependent" coverage on your policy. "Family
coverage" may also be possible.
limitations. You need to know whether the
insurance policy pays for medical services outside the United States (if
you take a trip) or even in other parts of the United States. Most will
not pay in your home country but may pay if you are on a trip to another
evacuation and repatriation and the special and REQUIRED parts of an
"International Student" plan.
"Medical Evacuation" would cover the cost of flying you home if
you were too ill to recover in the United States, including the cost of medical
personnel or any special equipment you would need during your
transportation. "Repatriation" would return your body to your
family in the event of your death. Some policies include a
"bring mommy to me" clause to fly a family member to you if you are
hospitalized for a long period of time.
for other health services. Dental
care (except for teeth broken in an injury) and vision services (eye exams,
glasses or contact lenses) are NOT normally part of a medical policy.
They often require separate policies but may be a 'rider' on a medical
clause. Most insurance companies are
required to include a provision that lets you review a plan for a
specified period (usually at least 10 days) and, if do not want the
policy for any reason, be able to get a full refund.
process. Find out about the company's
appeals process. if you think your claim has been denied without
justification. But before you undertake this action, you need to clearly
understand the limitations and exclusions of the policy. Always ask questions
if you are not sure about any point in the policy.