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Health Insurance Information

(From NAFSA: Association of International Educators)

 

What to Look for in an Insurance Plan

(From NAFSA: Association of International Educators)

Checklist for Optimal Insurance Coverage

- Low co-pay/deductible
- Having Vanderbilt or other nearby providers in network
- No pre-existing condition exclusion (or very limited)
- Inpatient or outpatient treatment for non-emergency illness or injury, including
participation in intercollegiate, interscholastic, intermural, or club sports
- Treatment of specified therapies, including acupuncture and physiotherapy
- Emergency care and hospitalization
- Inpatient or outpatient treatment for mental and nervous disorders, including drug or
alcohol abuse, and regular counseling or therapy sessions
- Laboratory tests/services
- Prescription drugs, including oral contraceptives and devices
- Dental repairs or treatment
- Professional ground or air ambulance service to nearest hospital
- Medical evacuation to home city/country
- Bedside visit/emergency reunion (for close friend or family member)
- Repatriation of mortal remains
- Accidental death and dismemberment benefit
- Coverage in countries under U.S. Department of State Travel Warnings or the Office of
Foreign Assets Controls sanctions, if applicable
- Reliable, high quality 24-7 assistance services (phone and email) for use of insured
services, lost travel documents, visa services if needed for ground/air
transportation to a third country, locating quality doctors, managing medical
cases, etc.

(From NAFSA: Association of International Educators)

Which Health Service Should you use?

Not every medical situation requires a visit to the hospital emergency department.  Waiting until the next day to see the doctor or going to an urgent care facility instead often will take care of a problem.

(Adapted from Michigan State University)