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  • Study in USA : International Student College Application Calendar

    Application calendar

    The following information will help you plan for the college application process by giving you dates by which each of the necessary steps should be completed. Following a schedule will help you make sure that everything is done on time and that no items or steps are forgotten.

    18 months before beginning your studies in the US:

    ?????? Begin your search of possible US colleges or universities that you would like to attend. Read through college reference guides and visit college websites. Also talk with your relatives and friends who have studied in the US. Request information from 10 to 20 different schools so that you can make a good decision on where to apply. To have some of the best

    ?????? Register and start preparing for the TOEFL and other entrance tests (such as the SAT or GRE).

    ?????? Continue to work hard at your subjects at school. Good grades in the courses you are taking now will count heavily in the admissions decisions.

    15 months before:

    ?????? Take the TOEFL and other entrance tests. Most universities require you to take the test before December, so taking it now gives you an opportunity to take it again in November and improve your score.

    12 months before:

    ?????? Send letters to colleges you have selected requesting applications and information, or obtain this information and necessary forms from their websites. You should choose: (a) one or two schools that you really like, but may be too difficult to get into; (b) two or three that you also like and which you think will accept you; (c) one or two which may not be your favorites, but you are quite sure will accept you.

    ?????? Identify two or three teachers or other people whom know you well and ask them to write recommendation letters for you.

    ?????? For undergraduate applicants the best references are teachers and your school principal. Family friends, religious counselors, and others should be used only if they know you very well and can speak specifically about your academic goals and potential.

    ?????? Graduate students should obtain letters from their teachers or professionals in their field whom they have worked with and who can speak specifically about their academic potential and relevant accomplishments.

    ?????? Ask the schools you have attended to start preparing your transcripts. These are official school documents that show the courses you have studied and the grades you have received in those courses.

    ?????? If your previous TOEFL, SAT, or GRE scores were not satisfactory, register for the test again.

    11 months before:

    ?????? If you have not yet received the application forms you requested from the schools you wrote to, send another letter repeating your request.

    ?????? Study the applications you have received. Note carefully the deadlines on each of them. Remember to allow time for delays in the mail.

    ?????? Ask your schools to send certified copies of your academic transcripts to each of the schools where you are applying.

    ?????? Ask your teachers to write their letters of recommendation for you. Give them the forms provided by the schools and a stamped, addressed envelope for each letter they will be mailing.

    ?????? Undergraduate students should write their application essay. This essay is an important part of the application. It should reflect who you are and what you feel is important. Try not to repeat information you have provided in other parts of the application, but instead work to make the essay unique and personal. Get comments on it from an English teacher.

    ?????? Graduate students should write their statement of purpose if the schools have indicated that they require one. This is an important part of the application. You should show in your statement how your education so far has created a foundation for your goals, and how your proposed coursework in the US will help you achieve those goals. You should be as specific as possible about your research interests and past accomplishments.

    ?????? Make photocopies of the applications and begin to fill in the required information on the copies. You will later transfer the information to the originals. If any questions confuse you, seek help from your teachers, or from someone who has studied in the US.

    10 months before:

    ?????? Complete your essays and application forms, including the financial aid application forms, using the originals (not the copies). Type or write by hand very neatly and carefully. The finished applications will be your introduction to the schools, so you want to make them look good. Keep a copy of the completed applications for your records. Mail the originals by airmail in time to meet the deadlines.

    ?????? Take the TOEFL and other exams again, if you need to improve your scores.

    ?????? Check with your teachers and your school to make sure your recommendations and transcripts have been mailed in time to meet the deadlines.

    9 months before:

    ?????? It is not unusual for schools to request more information or resubmission of something you have already sent. Respond promptly to any requests you receive.

    4-5 months before:

    ?????? You will start hearing decisions from the schools. Contact the admissions office at any school that you do not hear from.

    ?????? Accept only one school’s offer, and let the other schools know of your decision. Ask the school you have chosen to attend to send you the I-20 form.

    Make housing arrangements.

    ??????? Apply for a passport if you do not already have one.

    3 months before:

    ?????? Get a visa application form from the US embassy or consulate nearest you.

    ?????? Make travel arrangements. Schedule your trip so you arrive at least 15 days prior to your school?s orientation.

  • Study in USA : International Student Health Insurance: International Student Insurance Foreign Student Medical Insurance

    Health coverage and medical costs can be costly for both citizens and non-citizens of the United States, and having a sufficient international student health insurance plan is beneficial when studying abroad. International medical insurance programs make it easier and more convenient to obtain quality health care in case of a medical emergency or illness. Not only is it simpler to find the right doctor and quality medical facilities when you have foreign student health insurance coverage, but you will be in a much better position to support yourself financially. Medical bills and expenses can lead to financial ruin without appropriate insurance, and preventing potential money stresses is easy by selecting the right international student health insurance plan.

    What is International Student Health Insurance?

    International student health insurance is available for students who are studying away from their home country, and offers them access to health care and facilities. International medical insurance makes it much easier to receive quality health care and benefits from legitimate insurance providers, and can help save thousands of dollars in case of an emergency or illness. Medical expenses can be very costly, especially for those entering the United States on a temporary basis. In addition, many health care providers at colleges and universities can deny treatment if a student does not provide appropriate records of international student insurance coverage.

    Current U.S. Laws Requiring International Student Medical Insurance Coverage

    Each state has different laws and regulations regarding medical insurance coverage, but almost every college and university that accepts students on an ?F? visa requires proof of financial ability before enrolling in a college program. This means that students may be deemed ineligible for studies in the U.S. if they cannot support themselves financially; having the appropriate medical coverage is essential to this process, and all students need to carry at least the most basic international student medical insurance during their stay. While colleges and universities cannot track if a student is continuing with their selected foreign student health insurance, the risk of getting sick or requiring surgery is still a problem. If a student cannot afford to take care of their health because of increased medical expenses, they may be required to forfeit their status as a student and return to their home country.

    Why Is International Student Health Insurance Important While Studying in the U.S.?

    International student health insurance is important when studying in the U.S. for a variety of reasons including:

    ? Receiving adequate and quality health care in an emergency situation

    ? Having access to doctors and other health care providers to ensure optimal health throughout the year

    ? Reducing the chances of having to manage the high costs of health care, treatment, doctor visits, and prescription medication

    ? Receiving adequate health care from legitimate providers

    ? Reducing the burden of financial hardship in case of emergency treatment

    ? Compliance with university requirements and guidelines

    Cost of International Student Insurance

    The cost of international student medical insurance varies significantly depending on the individual, medical history, and the state that they plan to pursue studies. Rates can range from $50 to $200+ per month depending on the type of insurance and deductible requested. Choosing the right amount for the deductible is often the first step, and can help you decide which foreign student health insurance plan will be right for you. Many insurance companies review individual student medical history records, and may require a check-up or initial visit to determine your status. International student medical insurance may also be offered by independent healthcare providers in a given state, and finding out what the local area offers is easier by contacting the university or college?s student health department.

    Rates also vary depending on the type of premium? ?elite? or ?gold? packages will cover more medical expenses but will cost significantly more than basic coverage. If you are regularly sick, require treatment, or need above-average health care, it is important to review the options and ensure that doctor?s visits and treatment procedures are covered under your selected plan.

    Where to Buy International Student Insurance

    Affordable international student health insurance plans are available online, as well as through local area networks in the state you are pursuing studies. Contacting the university admissions office first can lead you to discounted rate plans specifically designed for international students. These are often priced much lower than standard options available elsewhere, and can provide enough protection for adequate coverage.

    Other companies and websites to consider include:

    ? HTH Travel Insurance http://www.hthtravelinsurance.com/students_plans.cfm that offers global student plans for up to $250,000 per year.

    ? Expat Financial http://www.expatfinancial.com/expathealth.htm that offers global financial security plans for a variety of travelers and international students. Foreign exchange students can also find a customized plan here.

    ? International Student Organization http://www.isoa.org/ that features a variety of health plans through the COMPASS Health Insurance group. The maximum medical benefits vary significantly depending on the type of coverage involved, but premiums can be purchased directly online

    ? International Health Plans http://www.internationalhealthplans.com/ that offers exclusive rates for many types of international travelers. It may be valuable to get quotes and compare rates here after reviewing various programs and packages from other companies.

    What Should I Look For When Buying International Student Health Insurance?

    Knowing what to research and review when choosing an international student health insurance plan is the firs step to finding the right package and plan for your needs. You will need to consider:

    ? Affordability: calculate the monthly rate and make sure you can keep up with payments

    ? Flexibility: do you have an option to upgrade, cancel, or change your policy or are you under a contractual agreement?

    ? Medical examinations: how often do you need to undergo these, and what are the guidelines of getting the first examination for verification of your health?

    ? Travel assistance services: does the insurance company extend these to its foreign student health insurance recipients?

    ? Maternity benefits: are these included, should you need them at any time during your stay?

    ? Low deductibles: what are the different deductible options available, and what is the most realistic match for your health coverage needs?

    ? Eligibility criteria: what specific items is the insurance company looking for (e.g. medical records, visa documentation, income verification)

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