Getting health insurance in the United States (aka 美国医保) is a commonsense. Health insurance, more often than not, saves you money in the short and long term. If your monthly premium is high, you’ll pay a lower deductible, and vice versa.
When students are excited to arrive in America and dream of their new studying life , there are many challenges they have to face in adjusting to American culture. One of these challenges is to purchase an affordable international student health insurance (aka 留学生 保险) plan. The price of health insurance in American universities and colleges (aka 美国大学保险) are oftentimes higher than health insurance plans in the marketplace. Although many university student health centers allow international students to find an alternative health insurance to waive university health insurance plan (aka waive 美国大学保险), the marketplace health insurance excludes dental coverage.
Dental insurance works a little differently. There are pros and cons to purchasing a dental policy, either from your employer or from an insurance marketplace like Healthcare.gov. The biggest advantage of dental insurance is that it can actually cover part of your expensive dental visits in the U.S. (aka 美国 看牙). However, to how many percent of your total dental expenses will be covered depends on the plan you choose to buy. In some cases, dental coverage won’t save you money at all, even if you’re getting dental care.
Dental plans emphasize preventive care, or care before anything goes wrong. A typical plan provides a level of coverage known as 100/80/50 coverage. Preventive care—exams, cleanings, and X-rays you receive during an average dental checkup—are 100 percent covered. Dentists recommend cleanings twice annually. Basic procedures like fillings, extractions, and periodontal work are 70 to 80 percent covered.
Major procedures like crowns, root canals, dentures, bridges, or implants are 50 percent covered (or less).
There are variations in individual plans. For example, a root canal could be considered either a basic or a major procedure.
Most plans allow you to purchase separate coverage for orthodontic care if it isn’t covered. Fewer plans will cover cosmetic care (like teeth whitening). This is usually an out-of-pocket expense. Preventive care may seem optional if you have healthy teeth and good oral hygiene, but it saves money in the long run. I went without dental insurance for three years in my twenties and did what most of my peers did in that situation – simply didn’t visit the dentist. Then I enrolled in a graduate program which required students to have medical and dental coverage.
It is your responsibility to compare and contrast different kinds of health insurance plans before making a decision. If you do not know which plan fits you best, you can consult Tigerless Consultant via WeChat. We will provide you with cost-efficient health insurance recommendation for international students in America (aka 美国留学生保险推荐).