What is Health Insurance?
Health insurance typically refers to coverage for medical expenses that arise due to illness or injury, covering two main areas: medical (doctor visits, treatments) and prescriptions (medications). Some health insurance plans also include coverage for vision, dental, or pediatric dental and vision (for individuals under 19). However, elective procedures like weight-loss surgery or cosmetic surgery are usually not covered.
Why Do You Need Health Insurance?
Although the U.S. government does not specifically require F1 international students to purchase health insurance (students on an F1 visa for more than five years or J1 students are required to have health insurance), the Department of Homeland Security lists health insurance as a responsibility for international students.
Many U.S. schools require students to have health insurance to register for classes. Some schools mandate the purchase of on-campus insurance, while others allow students to waive the school's insurance by opting for an external plan.
Most importantly, health insurance ensures you're taking care of yourself. The U.S. healthcare system is known for its high costs, and without insurance, even a simple doctor’s visit can cost hundreds or thousands of dollars. For students studying abroad, ensuring you have insurance can prevent minor health issues from becoming major problems. Spending $100-$200 a month on health insurance is a small price to pay compared to the financial burden you could face without coverage.
Day 1 CPT Schools’ Health Insurance Policies
International applicants are required to have health insurance while attending CIAM. If you choose to purchase International Student Insurance, the minimum coverage must provide:
- Medical benefits of at least $100,000 per accident or illness per policy year
- Repatriation of remains in the amount of $25,000
- Medical evacuation to your home country in the amount of $50,000
Westcliff University strongly recommends that all students be covered by a health insurance plan during the student’s educational period at the school. All students must complete Westcliff University’s health insurance form before the first day of class.
Sofia University strongly recommends that all students be covered by a health insurance plan during the student’s educational period at the school.
Students are required to purchase health insurance and include the Student Accident and Injury Plan in tuition and fees. Students are not allowed to waive.
Students at SPU are required to purchase health insurance and include the Student Accident and Injury Plan in tuition and fees. Students are not allowed to waive.
Students must buy health insurance at Ottawa University. You can buy an external insurance waiver, otherwise they will be automatically enrolled in the school's insurance. The insurance fee is about $800 per semester.
Harrisburg University strongly recommends that all students be covered by a health insurance plan during the student’s educational period at the school.
GoElite has selected 2 main health insurance companies to provide free consultations for Day 1 CPT students. Feel free to directly click on the links and discuss more with the team!
Schedule a Free Consultation with PSI
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Lexi Wu
Possesses extensive cross-cultural work experience across multiple countries, with a strong background in product planning, marketing, and data analysis. Skilled in technical writing and trend analysis, currently serving as a Product Marketing Manager at GoElite.
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GoElite is armed with the most up-to-date and exclusive information in the educational industry and substantial knowledge of immigration policies, we aim to support the long-term growth of our students and partner universities.