OISS – Overview of US Healthcare System

In this short video, we will provide an overview of the U.S. healthcare system. The U.S. healthcare system offers some of the the best medical care in the world, but it’s complex, difficult to navigate, and often very expensive. The U.S. health care system will probably be very different than the healthcare system you are used to. In this section of the video, we will start to explain how the system works and offer a few simple tips. As an MSU international student, you are required to have health insurance. Upon registering for classes, you are automatically enrolled in the student health insurance on your student account. Your health insurance will provide you with access to healthcare at a reduced cost. You should note that there is no public healthcare in the U.S. that is available to people on VISAs. Additionally, many doctors will not see patients who do not have health insurance. When you seek any medical care, the provider you choose hospital, doctor, or clinic will look to you and your insurance carrier to provide payment for services. There will be no payment from the government. As we mentioned earlier, healthcare can be very expensive in the U.S. Here are a few recent, real life examples. Basic rehydration: $2,000 One night in a regular hospital room: $2,500 Kidney injury: $100,000 We hope it’s clear why you need health insurance. However, even with insurance, you should be prepared to pay some portion of the cost of your medical care. While your insurance plan will typically cover the majority of your expenses, there will be copays, deductibles, coinsurance, excluded charges, or some combination of these that will result in you paying something. If you don’t understand your bills, just ask OISS for help. One more thing! Don’t forget to put your health insurance card in your wallet and carry it with you at all times! We hope you’ve found the information in this video helpful and that you have a better understanding of healthcare in the U.S. For more information, please use the resources at OISS.

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