Healthcare in the United States

The healthcare system in the U.S. may be very different from that which is utilized in your country. Specifically, individuals are responsible to pay for the costs of healthcare themselves. Payment is made in cash, using a health insurance policy that the individual pays for, or a combination of both. Every part of the healthcare system may charge for services. This means that a trip to the hospital can result in bills from one or more doctors, the hospital, the laboratory and/or any other parties that may be involved in care such as ambulances, paramedics or even helicopters for serious situations. Healthcare can become costly, even in the simplest illness or accident.

Therefore, all international students are required to demonstrate proof of acceptable health insurance coverage for accident and illness while living in the United States. Insurance coverage must be in effect for the entire time the student is residing in this country and must be renewed annually. Minimal acceptable coverage must be at the level of the insurance plan that is endorsed and available through the university and include specific repatriation and medical evacuation benefits. All international students must report to the Student Health Center  with an English translation of their insurance policy for review at the start of each school year.

If you do not show proof of adequate insurance, your student account will be billed for health insurance. The cost for the 2013-2014 academic year is approximately $740. This is not refundable if you demonstrate proof of insurance after the deadline. International students who fail to meet health insurance requirements will be refused acceptance into the residence halls and/or will not be permitted to register for classes. Lapses in coverage can and will result in suspension from Niagara University. For many students, this will result in the revocation of student visas and expulsion from the United States.