International Student Health Insurance

Health Insurance

While many other countries bear the expense of health care for their residents, individuals in the United States are responsible for these expenses themselves. A single day of hospitalization can cost thousands of dollars. A good insurance policy gives you access to excellent medical facilities and provides protection against the enormous costs of health care in the U.S.

Student Health Insurance Plans

All international students at KCC are REQUIRED to purchase health insurance. Insurance plans can be purchased prior to arrival or during international student orientation, and coverage should last for your entire length of stay in the United States. There are several companies that offer health insurance, but KCC recommends one of the following plans:

Insurance Waivers

To be approved for an insurance waiver, you must provide proof of health coverage which meets the following criteria:

Alternative health insurance coverage must extend through the entire academic term in which the student is enrolled and meet the following criteria:

  • The plan deductible must be $500 or less per accident/illness per year
  • The plan must have co-insurance of 20 percent or less
  • The plan must treat all claims from BestMed Urgent Care and SkyLakes Medical Center 
  • The plan must include medical evacuation coverage of at least $50,000
  • The plan must include repatriation coverage of at least $25,000
  • The plan provides comprehensive coverage without financial caps for the following benefits:
    • Immunizations, screenings, and other preventive services consistent with state and federal mandates
    • Emergency services, ambulatory patient services, and hospitalizations
    • Pregnancy, maternity, newborn care, and breastfeeding coverage
    • Mental health and substance use disorder services, including counseling and psychotherapy on both an in-patient and outpatient basis
    • Rehabilitative and habilitative services and devices
    • Prescription medications
    • Laboratory and diagnostic services
    • Preventive and wellness services (including birth control)
    • Chronic disease management
  • There are no exclusions in coverage for pre-existing conditions, participation in recreational/sports activities, or mental health conditions
  • The plan is compliant with any pertinent state and/or federal mandates
  • Foreign plans without a US-based claims administrator will only be considered if they meet the following additional requirements:
    • The institution offering the plan has been pre-approved by Klamath Community College as offering financial and administrative assistance to any student so they do not encounter barriers to care relating to a healthcare provider being unable or unwilling to bill a foreign plan/entity
    • Plan documents are in English