健康保险
为什么在美国你需要健康保险.S.
美国的医疗保健.S. 是昂贵的,健康保险可能是复杂的. Unlike many other countries, the United States does not have a national health insurance system. 而不是, health insurance may be offered by universities and employers, 个人也可以自行购买保险. 在大多数情况下, international students at Clark must purchase the University’s plan; see more information below. For all other members of the Clark international community:
- You must have adequate health insurance and understand your health insurance plan. Having adequate health insurance will protect you from high medical bills and financial hardship.
- 除了, it is important to know that t在这里 are different health insurance providers, and they may offer different insurance plans with varying levels of what the insurance provider will cover financially. Insurance coverage may also vary depending on the medical procedure and the health care provider.
重要术语
In the United States, a specific set of terms are used regarding health or medical insurance. These terms may be new to you, so we are providing definitions below. 这是一般信息, and it is extremely important for you to read through your insurance plan documents so that you understand your plan and what it covers.
学生
- All international students enrolled in classes at Clark for at least one semester are required to be enrolled in Clark’s Student 健康保险 Plan. 在极少数情况下, international students may waive participation in the plan if the student is carrying acceptable insurance with benefits comparable to Clark’s plan. If you are eligible or wish to check your eligibility to waive Clark’s health insurance, 请联系info@univhealthplans.com.
- 太阳城娱乐城的学生保险计划结束了 蓝十字蓝盾 马萨诸塞州的. 学生 can create an account on their website and access your insurance information online. 他们还有一个手机应用程序, MYBLUE.
- 如果你丢了健康保险卡, contact 蓝十字蓝盾 马萨诸塞州的 at 1-888-753-6615 to request a replacement card.
紧急?
Need your 太阳城娱乐 蓝十字蓝盾 Member Information?
- Hard copies of your BCBS insurance ID card are mailed to your address on file or Clark Student Mailbox. You can look up your membership information online 24/7 by clicking Insurance ID Card located on the left-hand side of the page at http://www.universityhealthplans.com/clark.
- 你亦可在以下网址下载“我的蓝”会员应用程式: http://myblue.bluecrossma.com/student 登入电子身分证或浏览 http://www.bluecrossma.org/ 建立网上帐户,以取得PDF身份证.
- 学生 under the age of 18 do not have access to the MyBlue Member App or an online BCBS account. You can request an address change and a copy of your ID Card 在这里.
J-1交流访问者和J-2家属
所有J-1交换访问者及其J-2家属 required by federal regulations to have medical insurance 他们在美国的整个逗留期间. You may select the medical insurance that is best for you and any family. 然而, 根据J-1签证规定, your insurance plan must have the following minimum coverage requirements:
- 每次事故或疾病10万美元
- 医疗后送:50 000美元
- 遣返费25 000美元
- 免赔额不超过500美元
Visiting scholars or graduating students applying for Optional Practical Training (OPT) must purchase their own health insurance.
几个选项包括:
教师、访问学者、研究人员和员工
太阳城娱乐城员工健康保险
- If you are eligible for health benefits through 太阳城娱乐, your sponsoring department should schedule an orientation with the Human Resources Department immediately upon your arrival to review plan options.
- If you are not eligible for health insurance benefits from 太阳城娱乐, 你需要购买自己的保险.
J-1交流访问者保险要求
所有J-1交换访问者及其J-2家属 required by federal regulations to have medical insurance 他们在美国逗留的整个期间.S. You may select the medical insurance that is best for you and any family. 然而, 根据J-1签证规定, your insurance plan must have the following minimum coverage requirements:
- 每次事故或疾病10万美元
- 医疗后送:50 000美元
- 遣返费25 000美元
- 免赔额不超过500美元
Visiting scholars or graduating students applying for Optional Practical Training (OPT) must purchase their own health insurance. 几个选项包括:
国际学生学者办公室
-
伍德兰街142号.
太阳城娱乐城全球参与办公室
伍斯特,马萨诸塞州01610 - 1-508-793-7362
- 如此之[在]clarku[点]edu
-
9 a.m. – 5 p.m.
星期一至星期五