Unlike the health care systems in many countries, health care in the United States is privately run. This means that you pay for a portion of, or all of the costs of medical care you receive out of your own pocket. The amount you are required to pay depends on the type of health coverage you have. Although health insurance coverage can be expensive, if you become sick or injured, the insurance helps offset the larger expense you would otherwise incur.
Please review the information provided below to gain a basic understanding of The Chicago School's health insurance requirements for international students.
I AM YOUNG AND HEALTHY - DO I REALLY NEED INSURANCE?
International students are required by The Chicago School to carry health insurance coverage during your studies in the United States. The Chicago School has a partnership with Gallagher Koster to provide affordable health insurance coverage to international students enrolled full-time at The Chicago School.
International students' dependents are not required to have health insurance coverage, but are strongly encouraged to do so. International students may purchase health insurance for their family members through Gallagher Koster for an additional cost or through a different insurance provider.
Remember that purchasing health insurance is one of the ways that you can avoid becoming a "public charge", as discussed in the Money Matters section of this guide.
Because health insurance can be expensive, many students are tempted to purchase the cheapest insurance they can find. Such insurance coverage plans, however, may not provide much coverage or include such things as repatriation or medical evacuation that are unique to international students and their dependents. Students may choose to select a different plan aside from the one offered by the school, but your coverage must be equal to or better than the coverage offered by the school.
More information about the cost and type of coverage of health insurance provided through The Chicago School will be presented at international student orientation.
In the meantime, if you have questions, please feel free to contact ISS.