Oakland Community College
F-1 Visa

Travel Assistance Coverage

All F-1 students are required to have travel assistance coverage through Frontier MEDEX Assistance Corporation. The cost for the program ($15.00 per semester) will be automatically added to your tuition bill. Coverage is in effect from August 1 to July 31 of each year.

Frontier MEDEX is NOT a health insurance plan. It will NOT pay for hospitalization, doctor bills or medical tests. However, it will provide the following travel assistance benefits for F-1 students and F-1 student dependents:

  • Emergency medical evacuation where adequate treatment is not available near OCC.
  • Repatriation of mortal remains to home country.
  • Referrals for medical/dental care in the U.S.
  • Emergency travel arrangements

You will  receive the instructions for accessing the Frontier MEDEX Member Center by e-mail.  Once you’ve created a profile and accessed the Member Center, please click on the Frontier MEDEX ID Card and a printable copy will appear.  Please keep this with your important documents.

Health Insurance

International students in the U.S. need health insurance coverage. You have to buy it yourself. OCC does not buy it for you. Remember that health insurance is a cost listed on your I-20 document, so you should have money for it.

WHAT IS HEALTH INSURANCE?

Private insurance companies are paid money (premiums) from very large groups of people and individuals. If a member of this group has an accident or illness, the doctor and the hospital bills are paid from the money collected.

WHY DO I NEED IT?

  • The cost of health care in the U.S. is extremely expensive. A single day of hospitalization can cost thousands of dollars. An ambulance ride can be $800. Standard childbirth can be $9,000.
  • If you don’t have health insurance, some hospitals and doctors will not treat you, or they will ask for full payment at the time of service.
  • You cannot buy student health insurance after you are already sick or injured. (Pre-existing Condition Rule)
  • The U.S. government does not pay for any health care you need. Nor does OCC. You are responsible for your healthcare bills.

The Affordable Care Act (ACA) is a U.S. federal government law. However, most student health plans, do not have to comply with ACA. Although, F-1 students are eligible to buy insurance through ACA health exchanges, the enrollment times for new persons are different than the academic year. Also, you won’t receive the tax savings that are a benefit of signing up on an ACA health exchange.

CHOOSING A PLAN

Read all student health insurance brochures very carefully and understand the coverage and exclusions. With most plans, the premium amount (cost) will vary according to your age. Student health insurance will NOT cover all of your medical expenses. You will have to pay part of your medical expenses.

  • If you are a woman, choose a plan with maternity/pregnancy coverage. Less expensive plans do not include it.
  • If you have a pre-existing condition (have already been diagnosed with a condition that needs treatment), choose a plan with a minimum wait period for that condition to be covered.
  • If you choose the least expensive plan, it is likely that the plan will pay out little money for your healthcare expenses. The least expensive plans generally exclude coverage on specific items and set maximum dollar limits on what they will pay for different types of service. The least expensive plans are also the most complicated to read.

Keeping costs down:

  • Do not go to the hospital emergency room if you have a condition that can be treated at a clinic.
  • Make sure that you go to providers authorized by your insurer.
  • Get a flu vaccine each fall.
  • Plan to have routine care or dental care when you visit your home country.

Suggested Plans:

1. International Student Insurance: Go to http://www.internationalstudentinsurance.com/student-health-insurance

Choose Budget or Select coverage. Select has the best coverage but is more expensive. Both of these plans have low deductibles, cover pregnancy, cover at least 80% of claims and have a provider network with doctors and hospitals in Oakland County. Cost for 25 to 29 year old student is $1560/year for Select or $1188/year for Budget.

2. Compass Student Health Insurance: Compass Elite has good benefits but it has a two year pre-existing condition rule. If you need treatment for a condition that you already have, choose another plan. https://www.compassstudenthealthinsurance.com/compare_international_insurance_plans.php

Do not buy Compass Care. The coverage is very low and does not cover pregnancy. Cost for Compass Elite for 25 to 29 year old student is $1368/year.

3. Trawick Collegiate Preferred: Covers pregnancies conceived within dates of coverage. Cost for a 25 to 29 year old student is $1356/year.
http://www.trawickinternational.com/assets/files/CollegiateCareBrochure_v5_04-06.pdf

4. The Harbour Group Medical Insurance Plan: This plan is the least expensive but it does not cover pregnancy, only complications of pregnancy. The deductible is $150 and there are maximums on different kinds of benefits. Cost is $852 if you are 25 to 29 years old.
http://www.hginsurance.com