Navigating Health Insurance as an International ESL Student at Nomen Global
- ngonline online
- Feb 18
- 2 min read
Introduction
At Nomen Global, we specialize in helping international students master English, prepare for university transfers, and excel in exams like the TOEFL, GRE, and GMAT. As an ESL school dedicated to equipping students with the necessary skills for academic success, we also emphasize the importance of being prepared for life in the United States—for example, our hope for you to have proper health insurance coverage. If you are an international F-1 visa student coming to the U.S. to study at Nomen Global, understanding your health insurance options is essential. Here’s what you need to know about securing health insurance before and after arriving in the U.S.A.
Can I Get Insurance Before Arriving?
Yes, you can—and should—secure health insurance before arriving in the United States. Many international student insurance providers offer plans that can be purchased online in advance, ensuring that you are covered from the moment you land. This is particularly important because healthcare costs in the U.S. are significantly higher than in many other countries, and an unexpected medical expense can be overwhelming without proper coverage.
What Type of Insurance Can I Have?
International students generally have a few options when it comes to health insurance:
School-Sponsored Insurance:
Some institutions offer health insurance plans specifically designed for their students. Nomen Global can provide guidance on available plans that meet student needs.
Private International Student Insurance:
Several companies specialize in insurance plans for F-1 visa students. These plans often cover doctor visits, hospitalization, emergency care, and even mental health services.
U.S. Marketplace Health Insurance:
Some international students may be eligible for plans through the Affordable Care Act marketplace, though this varies by state and visa status.
Can I Use My Country’s Insurance?
In most cases, insurance from your home country will not be accepted by U.S. healthcare providers. Even if it does provide some coverage, you may need to pay for medical services out-of-pocket and then seek reimbursement from your home insurer. Additionally, U.S. hospitals and clinics often require immediate proof of coverage that meets local standards. To avoid complications, it’s best to purchase an insurance plan that is recognized within the U.S. Also, consider these health insurance options below, but do your research and never assume, contact them and ask questions:
How Much Does Insurance Cost Monthly?
The cost of insurance for international students varies depending on the provider, coverage level, and individual factors like age and medical history. On average:
Basic plans start at around $40–$60 per month.
Mid-tier plans with broader coverage range from $80–$150 per month.
Comprehensive plans, which may include dental and vision coverage, can cost
$200 or more per month.
While choosing a plan, it’s important to balance affordability with adequate coverage, ensuring that essential medical services are included in case of an emergency.
Conclusion
Having health insurance as an international student is not just a requirement in some cases—it’s a necessity for your well-being. At Nomen Global, we want our students to focus on their English fluency, university preparation, and test success without the worry of unexpected medical bills. If you have any questions about choosing the right insurance plan, we’re happy to guide you through the process! For more details on studying at Nomen Global, don't hesitate to reach out to us, we are here to help!
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