Lifestyle

Types of International Student Health Insurance in the USA

Published

1 year ago

July 13, 2022

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.

Lifestyle

Hardwood Floors Refinishing: Top Care Tips for a Lasting Shine

Published

4 days ago

September 27, 2023

Michelle Langton

Revamping your hardwood floors requires both a time and financial investment, yet the returns are evident in the enhanced aesthetics and functionality of your residential or commercial area. However, the longevity and durability of these newly refinished floors are contingent upon proper maintenance. This detailed guide is designed to offer expert guidance on how to preserve the quality and look of your newly refinished hardwood floors. We’ll cover a variety of subjects, from the science of wood aging and types of wood that need more frequent treatment, to top tips for floor upkeep. Your investment in hardwood floor refinishing need not be short-lived; with the correct care, it can be a long-term enhancement to your property.

Tips for Ensuring Durability in Your Newly Refinished Floors

After you have spent money on hardwood floor refinishing, maintaining their condition becomes a top priority. Here are strategies to prolong the lifespan and appearance of your updated flooring.

1. Regular Cleaning

A clean floor is a happy floor. Use a microfiber mop or cloth to pick up dust, dirt, and grime daily if possible. For a deeper clean, opt for cleaning products specifically designed for hardwood floors. Make sure to read the labels and opt for pH-neutral cleaners that are free from abrasives or harsh chemicals. Weekly or bi-weekly, consider a gentle vacuuming with a hardwood-friendly vacuum cleaner to remove debris that may have settled between the wood planks.

2. Use Protective Pads

One of the most effective ways to prevent scratches and dents on your hardwood floors is to place felt pads under the legs of furniture. This simple step can go a long way in preserving the smooth finish of your floor. You should also replace these pads every few months, as they can wear down or accumulate grime, reducing their effectiveness.

3. Control Humidity

Fluctuating indoor humidity levels can wreak havoc on hardwood floors. Excessive moisture can cause the wood to swell, leading to issues like cupping or buckling, while too little moisture can cause wood to shrink, leading to gaps between planks. Invest in a quality hygrometer to measure your home’s humidity level, and aim to keep it between 30% and 50%. Use a humidifier during dry months and a dehumidifier during humid months to maintain optimal conditions.

4. Proper Spill Management

Accidents are inevitable, but the way you handle them can make all the difference. Whether it’s water, juice, or wine, if you spill liquid on your hardwood floor, wipe it up immediately with a dry or slightly damp cloth. Avoid using paper towels as they can disintegrate and get stuck in the crevices of the wood. Also, never let liquids sit on the wood, as they can seep in and cause staining or warping.

5. No Shoes Policy

Implement a ‘no shoes’ policy to preserve your floors. Shoes can bring in dirt, gravel, and other harmful debris from outside. If a full-blown ‘no shoes’ policy isn’t realistic for your household, at least insist on no high heels or sports cleats, which can cause dents and scratches. You might also consider placing a high-quality doormat at entrances to trap dirt before it gets to your floor.

6. Regular Inspections

Every three to six months, set aside time to inspect your hardwood floors meticulously. Use natural light or a bright lamp to look for scratches, dents, or areas where the finish might be wearing off. If you catch these issues early, you may be able to address them with a simple touch-up rather than a full refinishing job.

7. Refresher Coats

Although your newly refinished floors look amazing now, they won’t stay that way forever without some upkeep. Consider applying a ‘refresher’ coat of finish every two to three years. This isn’t as invasive or time-consuming as a full refinishing project. Instead, it’s more like a topcoat that adds an extra layer of protection, keeping your floors looking vibrant and shiny.

8. Scheduled Expert Cleaning

A yearly cleaning session by professionals can dramatically enhance the condition of your hardwood floors. Specialized machinery and products are used to eliminate tough dirt, renew the wood’s natural shine, and smooth out minor imperfections. This process not only rejuvenates your flooring but also prolongs its lifespan, maintaining its fresh appearance for an extended time.

Advantages of Consistent Upkeep

Routine care for your restored hardwood floors does more than maintain their visual appeal; it also prolongs their durability, augmenting the long-term value of your property. Floors that are regularly cared for can endure for many years, negating the need for frequent, costly refinishing. In addition, a structured care regimen lessens the likelihood that small defects will escalate into serious issues, thus promoting a cleaner and more healthful living area. In summary, regular maintenance serves as a long-term financial benefit and a means of sustaining your home’s elegance.

When To Seek Professional Help

If you notice persistent issues like deep scratches, stubborn stains, or any form of water damage, it’s best to seek professional help. Specialists in hardwood floors refinishing can assess the situation and provide targeted solutions. Companies like 1DayRefinishing offer an extensive range of services that can effectively address these problems. Notably, the company specializes in a one-day turnaround, making them a convenient option for those in need of quick yet high-quality refinishing solutions.

Finding Trustworthy Services for Floor Refinishing

If you’re in a location with scarce local options, consider exploring 1 DAY Refinishing. Their seasoned experts offer complete solutions for maintaining and refinishing hardwood floors, helping to keep them pristine for the long haul.

Final Thoughts

The decision to invest in refinishing your hardwood floors is a significant commitment to enhancing your home’s aesthetics and overall value. By diligently following proper maintenance routines, your refinished floors can continue to elevate your home’s ambience. Every effort, from regular cleaning, to hiring professionals, adds to the resilience and visual allure of your hardwood floors. Stick to these essential care guidelines, and your floors will maintain their lustre for an extended period.