Are you an international student coming to California? Learn how the U.S. healthcare system works, why health insurance is essential, what it covers, and what to ask before buying a plan.
Understanding the U.S. Healthcare System as an International Student
If you’re planning to study English or attend college in California, one of the most important things to prepare before arriving is your health insurance. The U.S. healthcare system is very different from what many students are used to in their home countries — and it can be very expensive without insurance.
Here’s what you need to know to stay safe, healthy, and financially protected while studying in the U.S.
Why Is Health Insurance Important in the U.S.?
Unlike many countries where healthcare is free or low-cost, in the United States, medical care is private and can be extremely costly. A simple visit to the emergency room (ER) without insurance can cost $1,000 to $5,000 or more — and hospital stays can cost tens of thousands of dollars.
That’s why health insurance is not optional for international students. It protects you from unexpected high medical bills and ensures you have access to the care you need while living in the U.S.
What Does Student Health Insurance Usually Cover?
Most health insurance plans for international students include:
- Doctor visits (general check-ups and specialists)
- Emergency room care
- Urgent care clinics
- Hospitalization (inpatient care)
- Prescriptions (medication)
- Lab tests and imaging (like blood work and X-rays)
- Mental health support
- Some preventive care (like flu shots or routine vaccines)
However, insurance plans may not cover everything — dental care, eye exams, and cosmetic procedures are often not included unless you buy extra coverage.
Key Questions to Ask Before Choosing a Health Insurance Plan
Before you sign up for a health insurance plan, ask these important questions:
- What is the monthly premium? (How much will I pay every month?)
- What is the deductible? (How much do I need to pay before insurance starts covering costs?)
- Is there a copay? (A small fee I pay each time I visit the doctor?)
- What is the coverage limit? (Is there a maximum amount the plan will pay?)
- Is emergency room care covered?
- Does the plan cover COVID-19 testing and treatment?
- Are mental health services included?
- Can I go to any doctor or hospital, or must I stay in-network?
Understanding these details will help you choose a plan that fits your needs and budget.
Why LSI Students Need Health Insurance
At Language Systems International (LSI), we welcome students from around the world to study English at our three campuses:
- Downtown Los Angeles
- Orange County
- Torrance (South Bay)
We offer programs like:
- ESL
- TOEFL Preparation
- Business English
- Short-Term Study: Vacation Program
Health insurance is essential for every student, both for visa requirements and your own peace of mind.
