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Health Insurance Basics

(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)


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