Just imagine: you are a student who goes to study abroad. Long acclimatization, homesickness, a lot of homework, and you start to feel a toothache to make matters worse. However, everyone knows that dental examinations in the USA, like any visit to a medical institution, can cost a lot of money. According to Lasry Dental Clinic, the price of a dentist visit without insurance can reach from $120 to $3000. In order not to be left with a hole in their pockets, international students should consider getting dental insurance.
Today we will tell you how to arrange it, and where to find the cheapest option, as well as unveil all the possible peculiarities.
Foreign students can visit the country on two different categories of visas – J or F. Those arriving on J-1 visas must have compulsory health insurance for the duration of their program that meets the requirements set by the US Department of State or visa authorities.
This is not the case for students with an F category.
For example, F-1 visa holders are not required to meet government standards, so some colleges don’t require compulsory health insurance for F-1 students.
But even if the educational institution doesn’t require it, we advise all international students to purchase insurance. Some overseas students mistakenly believe that medical care without health insurance is affordable. As a result, they either don’t go to hospitals in case of ache or are left with a hole in their pockets.
Speaking in one word – no. Foreign students who purchase regular health insurance should keep in mind that additional coverage, such as dental insurance or eye insurance, can often be purchased separately or in addition to basic coverage. Even popular ISO doesn’t provide dental coverage unless the treatment is related to a covered injury.
Typically, companies offer two options to choose from: a strictly dental insurance plan or a medical + dental package plan.
While a dental plan works almost the same as common health insurance, in which you have to pay a monthly fee so that insurer pays indemnity, purchasing the latter type of insurance means limited dental services.
Depending on the plan, international student dental insurance covers check-ups, fillings, removals, or emergency care. For more complex services such as root canals, coverage is less, usually 50% of the cost. So, it’s better to have dental travel insurance in case you are afraid of unforeseen serious dental emergencies.
*Deductible is a predetermined amount that you are required to pay before the insurance disbursements start if something happens to you.
**Co-insurance means equity insurance payments, which are a percentage of the amount you will be charged after you reach/exceed your deductible. This is usually 10%.
Look, a traditional dental insurance plan will probably cost you at least $50 a month. Of course, this price can vary depending on the company offering the plan and the coverage it includes.
If you wonder if it’s possible to find even cheaper dental insurance, then go to the International Student Insurance website to find the best suitable student dental insurance plans according to personal conditions.
Moreover, many major colleges and universities offer cheap dental insurance for students tailored to a reasonable budget or have great dental discounts for students. They are often the best and cheapest dental insurance options. Be sure to check if your dental plan is covered by your health insurance. By the way, often the dental office for foreign students is located on campus.
As a rule, you can buy student’s dental insurance plans during the open enrollment period, which is the yearly period when students can enroll in insurance for the next calendar year.
However, if you’re purchasing from the private market, you can buy dental insurance whenever you wish.
By the way, keep in mind that most health insurers apply a two-month waiting period before you can claim for general dental care. Or just address any dental insurer with no waiting period.
Now that you know almost all the peculiarities of getting dental insurance for international students. And once your health insurance is purchased, formalized, and you have the assurance of dental insurance, you can happily return to more exciting travel planning steps like compiling a study playlist or exploring all the places in the states you must visit. Important things, you know.
Marian Sahakyan is a content writer and a journalism graduate from California State University, Long Beach with a background in marketing as well as UI and UX design. Marian’s previous writing and reporting has been featured in several community newspapers throughout Southern California.