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Insurance



The following is helpful information when considering international student health insurance and medical care:

  • WHAT IS HEALTH INSURANCE?

    Doctors and hospitals might be very expensive in the USA; health insurance helps you pay some of your medical care costs.

  • WHY GET HEALTH INSURANCE?

    1. Buying medical insurance now may save on medical costs in the future
    2. Medical insurance provides your routine care (such as health physicals) and preventative care (such as shots and screenings)
  • HEALTH CARE TIPS

    • Carry your insurance card with you and show it whenever you visit a doctor or hospital
    • “In-network” means that the doctor or hospital has agreed with the insurance company to provide medical services at lower prices
      • In-network does not automatically mean that all services will be paid for by insurance
    • “Out-of-network” means that the doctor or hospital has not agreed with the insurance company to provide medical services at lower prices and services may be more expensive than “in-network”
  • WHAT IS THE DIFFERENCE BETWEEN URGENT CARE AND THE EMERGENCY ROOM (ER)?

    • Urgent Care is for minor illnesses or injuries, such as:
      • Colds, coughs, sore throat, or flu
      • Fever
      • Minor cuts, sprains, and skin rashes
    • The Emergency Room (ER) is for major emergencies, such as:
      • Accidents
      • Major injuries
      • Severe shortness of breath
      • Loss of consciousness
      • Bleeding that does not stop
        • Seek medical help right away if you have a medical emergency.  You can be treated in the ER without insurance; if you forget your health insurance card you can always provide the insurance information later
  • DEPENDENT HEALTH CARE (HUSBANDS, WIVES, AND CHILDREN)

    • The Primary Member is the main person that holds an insurance policy. If you buy your own health insurance, you are the Primary Member
    • Dependents of the Primary Member may be included in the insurance plan. Husbands, wives, and children are dependents if included in the Primary Member’s insurance plan
    • Insurance price depends on your age and gender
    • Private insurance companies
  • OPTIONS FOR INDIVIDUALS WITHOUT INSURANCE

    • In an emergency, the hospital Emergency Room (ER) must help any person who comes to them
    • There are free or low-cost clinics as well

      Planned Parenthood
      Provides women’s health services such as birth control, testing, abortion, STDs, and emergency contraception

      Federally Qualified Health Centers (FQHC)
      Provide low-priced services regardless of visa status

      Sample Locations
      Uptown: Heartland International Health Care
      845 W. Wilson Ave., Chicago, IL 60640
      (773) 506-4283
      West Town: Erie Family Health Center
      1701 West Superior St., Chicago, IL 60622
      (312) 666-3494
      Lower West: Mercy Diagnostic and Treatment Center
      1713 S. Ashland Ave., Chicago, IL 60608
      (312) 567-7933
      Englewood: UIC/Miles Square Health Center
      641 W. 63rd St., Chicago, IL 60621
      (888) 724-0116
      South Chicago: Chicago Family Health Center
      9119 S. Exchange Ave., Chicago, IL 60617
      (773) 768-5000
      Roseland: Aunt Martha’s Youth Service Center
      200 E. 115th St., Chicago, IL 60628
      (877) 692-8686
      South Lawndale: Circle Family Health Care Network
      1201 S. Campbell Ave., Chicago, IL 60608
      (773) 379-1480

      CommunityHealth Clinics
      • Offer medical and dental care, health education, lab tests, medications, and social services
      • Provide health care at no cost to low-income, uninsured individuals
      • Locations
        West Town
        2611 W. Chicago Ave., Chicago, IL 60622
        (773) 395-9900
        Englewood
        641 W. 63rd St., Chicago, IL 60621
        (773) 994-1515
    • Some universities and medical schools such as Rush University, Loyola, UIC, and Midwestern University  provide reduced health and dental care services

CONFUSED?



For general questions contact International Student Services at 773-866-0111, ext. 508 or dso@BIRTraining.edu

Please directly contact the insurance company if you have specific questions about plan details or wish to enroll in an insurance plan.

If you are interested in living and studying in Chicago, please click the apply button or call us at 773-866-0111

Skype with BIR's Student Relations Specialists