What happens if an international student gets sick in the US

If an international student gets sick in the US, they can get medical care, but they must use their student health insurance and follow the school’s instructions. Care is available, but it can be expensive if they go to the wrong place or do not follow insurance rules.

Where students should go when sick

• Campus health center: First stop for common problems like fever, cough, stomach issues, infections, minor injuries. Usually covered fully or with a small fee.
• Urgent care clinic: For issues that are not emergencies but cannot wait, like bad throat pain, suspected infection, or a worsening condition. Costs more than campus care but much less than an emergency room.
• Emergency room (ER): Only for serious problems: chest pain, trouble breathing, severe injury, high fever with fainting, allergic reactions. ER is the most expensive option.

How student health insurance works

Most international students are required to have a university-approved insurance plan. Insurance does not make care free. It reduces the cost and pays part of the bill.

• Copay: A small fixed fee paid at the visit, often 10–40 dollars.
• Deductible: Amount the student must pay out of pocket each year before full coverage applies. Some plans have low deductibles.
• In-network provider: Clinics and hospitals that have contracts with the insurance company and charge much less. Always use these unless it is a true emergency.

What to expect during the visit

• Show passport or student ID and insurance card.
• Fill out a short medical form.
• Receive examination and possibly tests or prescriptions.
• Most bills arrive later by email or mail. Insurance pays its share automatically.

Medication and costs

• Pharmacies: CVS, Walgreens, Walmart fill prescriptions. Students pay a small copay.
• Over-the-counter medicine: Cold/flu tablets, pain relievers, allergy meds can be purchased without a prescription.

Important risks and tips

• Do not go to the ER for minor issues. Bills can be thousands.
• Always check if a clinic is in-network.
• Ask for an itemized bill if charges look too high.
• Use the university’s 24-hour nurse line if available; they guide where to go.

With the right steps, students receive proper care and avoid surprise costs.