Health Insurance
Why You Need Health Insurance in the U.S.
Health care in the U.S. is expensive, and health insurance can be complicated. 与许多其他国家不同,美国没有全国性的医疗保险制度. Instead, 健康保险可能由大学和雇主提供, or individuals can purchase a plan on their own. In most cases, international students at Clark must purchase the University’s plan; see more information below. 对于太阳城娱乐城国际社会的所有其他成员:
- 你必须有足够的健康保险,并了解你的健康保险计划. 有足够的健康保险将保护你免受高额医药费和经济困难.
- In addition, 重要的是要知道有不同的健康保险提供商, 他们可能会提供不同的保险计划,保险公司将在财务上覆盖不同的水平. 保险范围也可能因医疗程序和卫生保健提供者而异.
Important Terms
在美国,一组特定的术语用于健康或医疗保险. 这些术语对您来说可能是新的,因此我们在下面提供定义. This is general information, 对你来说,通读你的保险计划文件是非常重要的,这样你就能了解你的计划和它所涵盖的范围.
Students
- 所有在太阳城娱乐注册至少一个学期的国际学生都必须参加太阳城娱乐的学生健康保险计划. In rare cases, 如果学生持有可接受的保险,其福利与太阳城娱乐城的计划相当,则国际学生可以放弃参加该计划. 如果你有资格或希望检查你是否有资格放弃太阳城娱乐城的健康保险, please reach out to info@univhealthplans.com.
- Clark’s student insurance plan is through Blue Cross Blue Shield of Massachusetts. 学生可以在他们的网站上创建一个帐户,并在线访问您的保险信息. They also have a mobile app, MYBLUE.
- If you lose your health insurance card, 请致电1-888-753-6615联系马萨诸塞州蓝十字蓝盾公司申请更换卡.
Emergency?
需要您的太阳城娱乐蓝十字蓝盾会员信息?
- 您的BCBS保险身份证的硬拷贝将邮寄到您的档案地址或太阳城娱乐城学生邮箱. 您可以通过点击位于网页左侧的“保险身份证”,24/7在线查询您的会员信息 http://www.universityhealthplans.com/clark.
- You can also download the MyBlue Member app at: http://myblue.bluecrossma.com/student to access your electronic ID card or visit http://www.bluecrossma.org/ to create an online account to access a PDF ID Card.
- 18岁以下的学生不能使用MyBlue会员应用程序或在线BCBS帐户. 你可以申请更改地址和身份证复印件 here.
J-1 Exchange Visitors and J-2 Dependents
All J-1 exchange visitors and their J-2 dependents are 联邦法规要求有医疗保险 for the entire period of their stay in the United States. 您可以选择最适合您和任何家庭的医疗保险. However, under J-1 visa regulations, 您的保险计划必须符合以下最低保险要求:
- $100,000 per accident or illness
- Medical evacuation in the amount of $50,000
- Repatriation coverage of $25,000
- A deductible of no more than $500
访问学者或即将毕业的学生申请OPT必须购买自己的医疗保险.
Several options include:
Faculty, Visiting Scholars, Researchers, and Employees
Clark Employee Health Insurance
- 如果你有资格通过太阳城娱乐获得健康福利, 你的赞助部门应该在你到达后立即与人力资源部安排一次培训,以审查计划选择.
- 如果你没有资格享受太阳城娱乐的健康保险福利, you are required to purchase your own insurance coverage.
J-1 Exchange Visitor Insurance Requirements
All J-1 exchange visitors and their J-2 dependents are 联邦法规要求有医疗保险 for the entire period of their stay in the U.S. 您可以选择最适合您和任何家庭的医疗保险. However, under J-1 visa regulations, 您的保险计划必须符合以下最低保险要求:
- $100,000 per accident or illness
- Medical evacuation in the amount of $50,000
- Repatriation coverage of $25,000
- A deductible of no more than $500
访问学者或即将毕业的学生申请OPT必须购买自己的医疗保险. Several options include:
International Students and Scholars Office
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142 Woodland St.
Clark Office of Global Engagement at Corner House
Worcester, MA 01610 - 1-508-793-7362
- isso[at]clarku[dot]edu
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9 a.m. – 5 p.m.
Monday – Friday