International Educator - March/April 2013 - 55

Checklist for Optimal Insurance Coverage

International Students Coming to the U.S. or U.S. Students Going Abroad
❑ Low co-pay/deductible
❑ No pre-existing condition exclusion (or very limited)
(exclusions for congenital conditions is quite common)

❑ No clauses limiting coverage due to blood alcohol level
or drug use

❑ Dental repairs or treatment (related to injury/accident)
❑ Professional ground or air ambulance service to nearest
hospital (in country or neighboring country)

❑ Medical evacuation (including for reasons of mental
health) to home city/country

❑ Inpatient or outpatient treatment for non-emergency
illness or injury, including participation in intercollegiate,
interscholastic, intermural, or club sports

❑ Treatment of specified therapies, including acupuncture
and physiotherapy

❑ Emergency care/hospitalization
❑ Inpatient or outpatient treatment for mental and
nervous disorders, including drug or alcohol abuse, and
regular counseling or therapy sessions

❑ Laboratory tests/services
❑ Prescription drugs, including oral contraceptives
and devices (if not full coverage, than a reasonable
percentage)

❑ Bedside visit/emergency reunion (for close friend or
family member)

❑ Repatriation of mortal remains
❑ Accidental death and dismemberment benefit
❑ Coverage in countries under U.S. Department of State
Travel Warnings or the Office of Foreign Assets Control
sanctions, if applicable*

❑ Reliable, high quality 24-7 assistance services (phone
and email) for use of insured services, lost travel
documents, visa services if needed for ground/air
transportation to a third country, locating quality
doctors, managing medical cases, etc.

❑ SPECIAL NOTE: International students coming to the
U.S. should also obtain coverage for routine dental care

Coverage worth adding if cost is minimal
(or through other means)

❑ Zero deductible and copay
❑ Maternity care/therapeutic termination of pregnancy
❑ Routine nursery care of a newborn child of a covered
pregnancy

❑ 30-90 days coverage in home country for condition that
began abroad

❑ Replacement of lost or broken prescription eye glasses
and/or contacts

❑ Program cancelation coverage (usually in limited
situations)

❑ Security/civil unrest or natural disaster evacuation*
❑ Option to insure spouses, domestic partners and
dependents under the same plan (many institutions
require this for their international students)
* not a likely benefit needed for international students coming to
the United States, unless they plan to study abroad under the
same policy

(for campus-based policies)

beginning on or after September 23, 2012 but before
January 1, 2014 (see article for definition of essential
services)

❑ $100,000 in prescription drug coverage
❑ SPECIAL NOTE: These limits may not meet standards
set by some foreign countries, such as Australia and
Switzerland

This checklist is provided by Julie Anne Friend, associate director for international safety and security at Northwestern University,
with assistance from Joseph Finkhouse, associate director for health, safety, and security at Boston University and
Stacey Tsantir, director of international health, safety and compliance at the University of Minnesota.

INTERNATIONAL EDUCATOR

❑ $500,000 for “essential services” in the policy year

M A R + A P R . 13

Monetary Limits Under the
Patient Protection and Affordable Care Act

55



International Educator - March/April 2013

Table of Contents for the Digital Edition of International Educator - March/April 2013

International Educator - March/April 2013
Contents
From the Editors
Front Lines
In Brief
Emerging Giant
Local Goes Global
Accelerating Global Learning at Home and Abroad
Foreign Student Affairs
Partnering
In Focus
Intenational Educator Language Supplement
Contents
New Tools of the Trade
Intensive English Language
Intensive Foreign Language
International Educator - March/April 2013 - International Educator - March/April 2013
International Educator - March/April 2013 - Cover2
International Educator - March/April 2013 - Contents
International Educator - March/April 2013 - From the Editors
International Educator - March/April 2013 - 3
International Educator - March/April 2013 - Front Lines
International Educator - March/April 2013 - 5
International Educator - March/April 2013 - 6
International Educator - March/April 2013 - 7
International Educator - March/April 2013 - 8
International Educator - March/April 2013 - 9
International Educator - March/April 2013 - In Brief
International Educator - March/April 2013 - 11
International Educator - March/April 2013 - 12
International Educator - March/April 2013 - 13
International Educator - March/April 2013 - 14
International Educator - March/April 2013 - 15
International Educator - March/April 2013 - 16
International Educator - March/April 2013 - 17
International Educator - March/April 2013 - 18
International Educator - March/April 2013 - 19
International Educator - March/April 2013 - 20
International Educator - March/April 2013 - 21
International Educator - March/April 2013 - Emerging Giant
International Educator - March/April 2013 - 23
International Educator - March/April 2013 - 24
International Educator - March/April 2013 - 25
International Educator - March/April 2013 - 26
International Educator - March/April 2013 - 27
International Educator - March/April 2013 - 28
International Educator - March/April 2013 - 29
International Educator - March/April 2013 - 30
International Educator - March/April 2013 - 31
International Educator - March/April 2013 - Local Goes Global
International Educator - March/April 2013 - 33
International Educator - March/April 2013 - 34
International Educator - March/April 2013 - 35
International Educator - March/April 2013 - 36
International Educator - March/April 2013 - 37
International Educator - March/April 2013 - 38
International Educator - March/April 2013 - 39
International Educator - March/April 2013 - 40
International Educator - March/April 2013 - 41
International Educator - March/April 2013 - 42
International Educator - March/April 2013 - 43
International Educator - March/April 2013 - Accelerating Global Learning at Home and Abroad
International Educator - March/April 2013 - 45
International Educator - March/April 2013 - 46
International Educator - March/April 2013 - 47
International Educator - March/April 2013 - 48
International Educator - March/April 2013 - 49
International Educator - March/April 2013 - 50
International Educator - March/April 2013 - 51
International Educator - March/April 2013 - 52
International Educator - March/April 2013 - 53
International Educator - March/April 2013 - Foreign Student Affairs
International Educator - March/April 2013 - 55
International Educator - March/April 2013 - 56
International Educator - March/April 2013 - 57
International Educator - March/April 2013 - 58
International Educator - March/April 2013 - 59
International Educator - March/April 2013 - Partnering
International Educator - March/April 2013 - 61
International Educator - March/April 2013 - 62
International Educator - March/April 2013 - 63
International Educator - March/April 2013 - In Focus
International Educator - March/April 2013 - Cover3
International Educator - March/April 2013 - Cover4
International Educator - March/April 2013 - Intenational Educator Language Supplement
International Educator - March/April 2013 - SCover
International Educator - March/April 2013 - Contents
International Educator - March/April 2013 - New Tools of the Trade
International Educator - March/April 2013 - S3
International Educator - March/April 2013 - S4
International Educator - March/April 2013 - S5
International Educator - March/April 2013 - S6
International Educator - March/April 2013 - S7
International Educator - March/April 2013 - S8
International Educator - March/April 2013 - S9
International Educator - March/April 2013 - S10
International Educator - March/April 2013 - S11
International Educator - March/April 2013 - S12
International Educator - March/April 2013 - S13
International Educator - March/April 2013 - S14
International Educator - March/April 2013 - S15
International Educator - March/April 2013 - Intensive English Language
International Educator - March/April 2013 - S17
International Educator - March/April 2013 - Intensive Foreign Language
International Educator - March/April 2013 - S19
International Educator - March/April 2013 - S20
International Educator - March/April 2013 - SCover3
International Educator - March/April 2013 - SCover4
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