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Types of International Student Health Insurance in the USA

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Millions of international students come to the US annually because it is a land of excellent opportunities. The country offers you a lot, from seeking higher education and hands-on training to pursuing your goals and working in your dream company.

Nevertheless, individuals must purchase a health insurance policy when they come here as international students. They can buy medical insurance from their school/university or a private insurance company. As there are different international students health insurance plans for distinct categories of students, here are a few to be discussed.

J1 visa health insurance

As the name suggests, J1 visa health insurance plans are designed for J1 visa holders in the US. Now, who are J-visa holders? They are scholars or international students in the US for a brief stay to participate in student exchange or study-based programs. J1 visa holders can bring their dependents (spouses and children) on J2 visas.

J1 is a non-immigrant, short-term visa issued for international visitors who come to the US for work, research, receive training, teaching students, and more.  Health insurance for J1 visa holders must meet specific requirements laid down by the US State Department. The insurance must cover a medical benefit of $100,000 per accident or illness, $25,000 for repatriation of remains, $50,000 for medical evacuation, and a $500 deductible per illness or injury.

Plus, the plans underwritten by an insurance company must receive ‘A-’ or above from the A.M Best rating, or ‘A-I’ or above from the Insurance Solvency International Ltd, or ‘A-’ or above from the Standard and Poor’s Claims Paying Ability, or B+ or above from the Weiss Research Inc.  In addition to these requirements, the sponsor might have additional requirements to meet.

Students coming to the US on exchange visas (J1 and J2) can find various plans on our site. NRIOL.net provides affordable and quality J1 visa health insurance policies that meet US State Department requirements and international students’ needs. Contact us and get quotes.

F1 Visa Health Insurance

An F1 visa is meant for full-time academic students who come to the US to receive education from an accredited college, university, language training program, elementary school, and other educational institutions. Students must enroll in a program that culminates in a degree, diploma, or certificate. F1 students may not be allowed to participate in off-campus employment during the first academic session. But after the first year, they can take part in Curriculum Practical Training (CPT), Optional Practical Training (OPT), and STEM (Science, Technology, Engineering, and Mathematics) OPT Extension.

The F1 visa is also a non-immigrant visa and is the most popular one among international students. However, you can only apply for this visa after an accredited US institution accepts your application. The duration of your stay depends on the program you enroll. Your university will provide you with an I-20 form stating the program’s expiration date.

After attaining a degree, you may apply for OPT, allowing you to work in the US for 12 months. Students graduating with a STEM degree can request two additional work years in the US. And if you do not have any extension or other work years after graduation, you will have to return to your home country within 60 days.

Though students can purchase health insurance from their schools and universities, they get the option to buy a plan from insurance companies, for which they need to fill in waiver forms. If you are planning to get coverage from outside, we would be glad to help you out. Check out our F1 visa insurance plans and pick one.

OPT health insurance

In OPT training, students can expand their knowledge, enhance their skills, and receive training in their field of study. The learning experience you receive overseas becomes unbelievably valuable in the future. OPT students need health insurance to work and live abroad because it provides financial security and peace of mind.

You can purchase OPT health insurance from us. The plans can be renewed monthly to get coverage until you receive employer’s insurance plan. Besides covering your eligible medical expenses, the plan can cover you for emergency hospitalizations, personal liability, medical evacuation & repatriation, and some travel-related benefits.

You may not get coverage for maternity, dental and vision care, pre-existing conditions, preventive health care, and more. Hence, it is essential to go through the brochure before choosing a plan. We offer plans with the best A.M Best Ratings. Call us to discuss this in detail.

Conclusion

International students come to the US with lots of ambitions and dreams. Undoubtedly, people get to learn and master different skills and techniques, but one should not forget that the medical costs in the US are expensive. A visit to a doctor can cost your hundreds of dollars. So, without adequate insurance coverage, it becomes difficult for students to continue their education and care for their medical expenses. 

Michelle has been a part of the journey ever since Bigtime Daily started. As a strong learner and passionate writer, she contributes her editing skills for the news agency. She also jots down intellectual pieces from categories such as science and health.

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Lifestyle

Wisdom and Youthful Energy Combined: Tax Attorney Lance R. Drury

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Research done by The American Psychological Association indicates that the average person starts feeling old at the age of 47. This was the most cited age in a survey of 2,000 Americans over 40, with respondents also noting that they begin to worry about age-related bodily changes around the age of 50. Concerns about mental decline and memory loss are prevalent, with a significant percentage of participants expressing fears about their cognitive health deteriorating as they age. Interestingly, fewer people are concerned about losing their youthful looks compared to worries about mental sharpness and staying socially connected.

But at the young age of 70, Tax Attorney at Law Lance R. Drury embodies the belief that age is just a number — not a measure of one’s capabilities. With a career spanning several decades, the spunky lawyer continues to defy societal expectations, showcasing that one can maintain both wisdom and youthful energy well into their later years. Drury’s happy-go-lucky, quick-witted personality offers a refreshing perspective in a world where age often dictates one’s pursuits and achievements.

Lance R. Drury is the founder of the Law Office of Lance R. Drury, a firm renowned for its exceptional tax resolution services. With over 35 years of legal experience, his practice specializes in tax planning, litigation of tax disputes, and negotiation of settlements with tax authorities. Drury’s personalized approach to each case ensures that clients receive strategies tailored to their unique situations.

His offices are located in Ste. Genevieve and St. Louis in Missouri, Nashville in Tennessee, and most recently, San Antonio in Texas. Drury’s practice emphasizes understanding clients’ specific needs and navigating the complexities of tax law to provide clear, actionable solutions. Through his dedicated work, he built a longstanding reputation for his legal acumen and commitment to upholding the highest standards of the legal profession, ensuring that each client receives attentive and effective representation.

We sat down with Drury to discuss his perspective on age and how it influences his dynamic approach to life and work.

All In Your Head

Drury’s response to the question of retirement was profound.

“People often suggest I should retire,” he shared. “But staying active keeps my mind sharp and my spirit youthful.”

His days are filled with interactions that span generations, which he believes keep his mind young and engaged.

“Age is just a sequence of numbers that has no bearing on what you can achieve. The only limits are the ones you set for yourself,” Drury emphasized.

Maintaining Purpose and Connection

Drury highlighted the importance of maintaining a sense of purpose. While retirement for some means relaxation and leisure, for Drury, it’s about continual engagement and growth.

“You don’t retire from life; you move towards new opportunities,” Drury pointed out. “It’s essential to keep forging connections and pursuing goals that keep you connected to the world around you.”

He actively engages with people daily, from colleagues to younger individuals, enriching his social life and broadening his perspectives. This engagement, he noted, is key to feeling connected and vibrant.

The Psychological and Social Benefits of Staying Active

Staying engaged in work and social activities has profound effects on mental health. Drury observed that his professional engagements keep his mind sharp and give him a sense of purpose every day. This routine, he suggested, can benefit everyone, regardless of age. The social interactions that come with staying active help prevent the loneliness and isolation often associated with aging.

“Staying active is crucial for keeping your mind sharp and your spirit engaged,” Drury noted.

A Rebellious Stance on Aging

Drury’s approach is rebellious. Especially in the field of law, defying societal expectations that dictate slowing down with age is unexpected. He finds liberation in continuing his work and enjoying life on his terms. This rebellious stance is about acknowledging the aging process while embracing it with vigor and a clear sense of purpose.

“Rejecting the typical narrative of aging doesn’t mean denying the process of growing older. It means embracing it with enthusiasm and a resolve to live fully every day,” Drury passionately shared. “I encourage others to live joyfully and defiantly, irrespective of age.”

Drury’s narrative is a powerful reminder that age should not limit our dreams or capabilities. Whether it’s continuing a career, engaging with diverse social groups, or simply finding new reasons to enjoy each day, his life exemplifies the power of living without age boundaries. Drury’s advice encourages us to look beyond societal expectations and craft a life filled with engagement, purpose, and connection, no matter how many years we have lived.

In a world that often equates aging with decline, Lance R. Drury stands out as a beacon of enduring vitality and purpose, inspiring all of us to rethink what it means to grow older!

About The Law Office of Lance R. Drury

The Law Office of Lance R. Drury, founded in 2006, has been a leading legal practice in Ste. Genevieve, Missouri, St. Louis, Missouri, San Antonio, Texas, and Nashville, Tennessee specializing in tax law matters. With over 35 years of experience, Lance is a nationally-recognized tax resolution attorney providing innovative solutions to IRS tax dilemmas with a team that is dedicated to providing clients personalized and effective solutions for tax planning, dispute litigation, and tax resolutions. For more information, please visit https://www.lancedrurylaw.com/ 

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