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health insurance experts - an inexpensive health insurance for a college student in New York City? | |
the followings criteria must be met (due to my school's policy):
1. Medical and mental treatment in the NYC area that covers at least $100,000 (total) per sickness or accident;
2. Coverage for pre-existing conditions;
3. Medical evacuation and repatriation of at least $15000;
4. Repatriation of remains of at least $7500; and
5. A deductible not to exceed $500 per year.
(I don't know what half of these words mean, haha)
Anyone? I would really appreciate it if someone could give me a good suggestion.
hopefully, I'd like to get an insurance under $1000 per academic year.
thanks for comments!
Answers:
1I'm guessing you're an international student, right? Contact an individual insurance agent to get quotes. I'd recommend one, but I don't know any in NY. Can the school recommend an agent or company? Ask their office for international students.
Here's some definitions:
PRE-EXISTING CONDITIONS: Anything you have wrong with you or have seen a medical professional about in the period before coverage started. Usually the period is for 2 years, but could be longer.
REPATRIATION OF REMAINS: Will pay to have your dead body returned to your home country if you should die while in the US.
DEDUCTIBLE: The amount of the health care costs you must pay. For example, with a deductible of $500, you have to pay that amount before the insurance will pick up all costs, except for co-pays.
CO-PAYS: The amount you have to pay for service. For example, under my insurance, at each office visit, I have to pay a co-pay of $20 just to go to the doctor, regardless of what the doctor charges the insurance.
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