Medical Insurance Options for Students Studying in the USA?

I'm an international student planning to study in the USA, but I'm confused about medical insurance. What are the options and requirements like? How do I ensure I'm properly covered while I'm there?

Navigating health insurance in the U.S. can indeed be a bit complex, especially as an international student. Essentially, you've got a few main options:

1. University-provided insurance: Most U.S. schools require international students to have health insurance and usually offer their own plans. These plans are typically quite comprehensive and designed specifically for student needs. The cost is included in your university fee bill. Make sure to review what is covered in the university's plan and what isn't.

2. Private health insurance: If for some reason, a university plan doesn't meet your needs (maybe it doesn't cover a pre-existing condition you have), you can buy private health insurance. Before buying, check if the coverage is sanctioned by your university since some schools accept only their own insurance plans.

3. Insurance coverage from home country: Some international students may be covered by an international plan from their home country. However, it's important to assess whether such plans will cover you adequately in the U.S

Remember to check the insurance clause of your university since every school can have different guidelines. You should also be aware of terms like "deductible" (an initial amount you pay before the insurance starts paying) and "out-of-pocket maximum" (the maximum amount you will have to pay personally irrespective of how high the medical costs are). Lastly, make sure the insurance covers mental health services, specialty doctors, prescription medications, and emergency services as these would be essential coverages for students.