Adjusting to life in the U.S. as an international student is exciting, but it also comes with challenges – new surroundings, cultural differences, academic pressure, and sometimes loneliness. If you're feeling overwhelmed, stressed, or emotionally drained, you're not alone – and there are resources available to help.
In this article, we’ll outline where international students can find mental health support in the U.S. and how insurance may play a role in accessing these services.

Mental Health Matters – Especially While Studying Abroad
Being far from home, family, and familiar routines can impact your mental well-being. While it’s perfectly normal to feel homesick or stressed from time to time, ongoing anxiety, sadness, or emotional distress shouldn’t be ignored.
Seeking support early can make a big difference. And in the U.S., there are several pathways to finding the help you need.

Where Can International Students Turn for Help?
Here are some of the most accessible support options:

1. Campus Counseling Centers
Most U.S. colleges and universities offer on-campus counseling services. These are usually free or available at a low cost for enrolled students. Services may include:

• Individual counseling sessions
• Group therapy or support groups
• Stress and time management workshops

To find out more, check your university’s website under Student Health or Counseling Services.

2. Virtual Mental Health Services
Many health insurance plans – including international student plans – cover telehealth services. This means you can talk to a licensed therapist or counselor via:

• Video call
• Phone call
• Secure messaging platforms

Virtual support is often more flexible and accessible, especially if you're hesitant to speak to someone face to face.
Tip: Log in to your insurance account or check your policy documents for mental health or behavioral health coverage. Look for terms like "teletherapy", "virtual counseling", or "mental health benefits".

3. 24/7 Crisis Support Lines
If you're in emotional crisis or need someone to talk to outside of regular hours, there are confidential hotlines that are free and available 24/7. Some examples include:

• Campus hotlines (many schools offer their own)
• National Suicide & Crisis Lifeline: Dial 988 (available in English and Spanish)
• Insurance provider mental health helplines (check the back of your insurance card)

How Does Insurance Help?
Mental health services in the U.S. can be costly without insurance. Fortunately, many international student health plans include coverage for mental health care, both in-person and virtual.
Coverage may include:

• A limited number of therapy sessions per year
• Partial or full coverage of virtual therapy platforms
• Referrals to licensed providers within a PPO network

Be sure to read your policy carefully and reach out to your insurance provider’s support line if you have questions. They can explain:

• What services are covered
• Whether a referral is needed
• Which providers are in-network

A Note on Privacy
In the U.S., counseling services are confidential. Information about your sessions is not shared with your school or immigration authorities. If you’re unsure, you can always ask about confidentiality policies before you begin.

You Are Not Alone
​Taking care of your mental health is not a weakness – it’s a strength. Asking for help takes courage, and it can be the first step toward feeling like yourself again.
Whether through your campus, your insurance plan, or national hotlines – help is available. You don’t have to go through difficult times alone.

Disclaimer: This article is for informational purposes only and does not constitute medical or mental health advice. Please contact a licensed healthcare provider or your insurance company for personalized guidance.

Graduation is here – congrats! 
You’ve worked hard, and now it’s time to step into your next adventure: Optional Practical Training (OPT) or maybe even an H-1B visa.
But wait… what about your health insurance?

Most student health plans end when your academic program ends. That means: no more automatic coverage – just when you’re starting your professional journey in the U.S.

Why you still need Insurance on OPT

You’re not a full-time student anymore – but you’re still in the U.S. And without insurance, a single doctor’s visit or emergency could cost a fortune.
A private OPT insurance plan helps you:

• Stay protected while you search for or start a job
• Show proof of coverage for your visa
• Sleep better knowing you're covered in case of sickness or injury

Agent BeWell’s Tips for a Smooth Transition
​✅ Stay in F-1 status while on OPT
✅ Report your new job to your DSO within 10 days
✅ Watch the 90-day unemployment limit
✅ Get insured as soon as your student plan ends
👉 More about the OPT process? Check out our OPT Guide here.

What kind of Insurance do you need?
You’ll need a private plan that fits your visa status. The good news:
We offer flexible plans made specifically for students on OPT or STEM OPT – and even for H-1B visa holders.
👉 Curious about your options? Check out our OPT plans here.

Still waiting for your OPT approval? No problem! You can already enroll in insurance while waiting.
Coverage can start as soon as you graduate – no need to wait for your EAD.

Your future is calling – and so is your healthcare.
Let’s make sure you’re covered from campus to career.
🧭 Explore OPT Insurance Options with Compass

Navigating the complexities of visas, academic regulations, and everyday legal matters can be challenging, but being informed can help you avoid common pitfalls and ensure you remain in compliance with US laws and university policies.

Understanding Your Visa
The first step in understanding your legal status is to familiarize yourself with the terms of your student visa. Most international students in the USA hold an F-1, J-1, or M-1 visa, each with specific conditions and restrictions. The F-1 visa is the most common for academic studies, requiring students to maintain full-time enrollment, make satisfactory academic progress, and work only within the limitations set by their visa, typically on-campus employment up to 20 hours per week during the academic year. The J-1 visa is for exchange students and scholars, with similar requirements to F-1 students, plus additional responsibilities such as maintaining adequate health insurance and participating in cultural exchange activities. The M-1 visa is for vocational or technical training, with stricter work restrictions and a specific timeframe for completing studies.

Maintaining your legal status
To maintain your legal status, you must comply with several requirements. Full-time enrollment each academic term is mandatory, and if you need to drop below full-time status, you must seek approval from your Designated School Official (DSO). Always keep your passport valid for at least six months into the future, and ensure your I-20 or DS-2019 form is up-to-date. Report any changes in your address, academic status, or personal information to your DSO within 10 days. Adhere to the employment restrictions of your visa, as unauthorized employment can result in severe penalties, including termination of your student status. If you plan to travel outside the USA, ensure your visa is valid for re-entry and get your I-20 or DS-2019 signed by your DSO.

Legal Rights
As an international student, you have several rights under US law. You are entitled to the same protections and freedoms as any resident, including freedom from discrimination and harassment. Your educational and personal information is protected under the Family Educational Rights and Privacy Act (FERPA). Within the limitations of your visa, you have the right to seek on-campus employment and apply for practical training opportunities such as Optional Practical Training (OPT) or Curricular Practical Training (CPT). If accused of violating laws or university policies, you have the right to due process, including the right to a hearing and to appeal decisions.

Responsibilites
In addition to maintaining your visa status, you have several responsibilities. Follow all university policies, including those related to academic integrity, conduct, and campus regulations. Abide by all local, state, and federal laws, as violations can have serious consequences, including legal action and deportation. Ensure you have adequate funds to cover your tuition, living expenses, and any other costs, as financial difficulties can impact your visa status. Many universities require international students to have health insurance, so ensure you have adequate coverage and understand your policy.

​If you encounter legal issues or have questions about your rights and responsibilities, seek assistance promptly:

• Designated School Official (DSO): Your DSO is your primary resource for visa-related matters and can provide guidance on maintaining your status and complying with regulations.
• International Student Office: Most universities have an international student office that offers support services, including legal advice, workshops, and resources.
• Legal Aid: If you need legal assistance, many universities offer legal aid services or can refer you to local legal resources.
• Support Networks: Connect with international student organizations and support networks on campus. These groups can provide valuable advice and support.
  
  

Understanding and adhering to your legal rights and responsibilities as an international student is essential for a successful and enriching experience in the USA. By staying informed and proactive, you can focus on your studies and enjoy your time abroad with confidence and peace of mind.

For international students in the United States, navigating the healthcare system can be challenging. Understanding which health insurance plan to choose is essential, and one key element to focus on is the Preferred Provider Organization (PPO) network your insurance offers. PPO networks give you the flexibility to see doctors and specialists without needing referrals, making healthcare more convenient while saving you money. In this article, we’ll explore several prominent PPO networks--Aetna, UnitedHealthcare, MP, First Health, and more—and provide a recommendation to help you make the best choice.

What is a PPO Network?
​
A PPO network is a group of healthcare providers that have agreed to offer services at reduced rates to members of specific insurance plans. When you stay within your PPO network, you enjoy lower out-of-pocket costs. You can still see out-of-network providers, but this may result in higher expenses. Understanding which PPO network your plan offers is crucial for making the most of your coverage.

1. Aetna PPO Network
Aetna is one of the most well-established PPO networks in the U.S., known for its vast network and comprehensive resources. With over 1.2 million healthcare providers and a reputation for stability, Aetna remains a reliable option for international students.
Pros:

• Strong presence across the U.S.
• Large network of providers, including specialists
• Excellent online tools for managing your plan

Cons:

• Higher premiums compared to smaller networks
• Some services require pre-approval

2. UnitedHealthcare PPO Network
UnitedHealthcare (UHC) stands out as one of the best options for international students. With a network of over 1.3 million healthcare professionals and 6,500 hospitals, UHC not only offers the largest network but also provides excellent service and flexibility, making it a top recommendation for students.
Pros:

• Extensive national network covering most cities and rural areas
• Easy-to-use app for finding providers and managing claims
• Broad range of specialized care options, and strong emergency and urgent care network

Cons:

• Premiums can be slightly higher, but the value in coverage and access is substantial

3. MultiPlan (MP) PPO Network
MultiPlan (MP) is a popular choice for students seeking affordable coverage. While smaller than Aetna or UHC, MP's network of over 900,000 providers offers flexibility at a lower cost, making it a good budget option for students.
Pros:

• More affordable premiums
• Solid access in urban areas
• Suitable for students who prioritize cost savings

Cons:

• Smaller network, particularly in rural regions
• Fewer advanced online tools

4. First Health PPO Network
First Health offers another cost-effective PPO option, with around 1 million providers in its network. While smaller, it focuses on affordability and provides adequate coverage for students in many areas.
Pros:

• Generally lower premiums than larger networks
• Adequate coverage in many urban areas

Cons:

• Limited network compared to UHC and Aetna
• Fewer specialized services

5. Cigna PPO Network
Cigna is another large and reputable PPO network, offering a wide range of providers and a strong focus on preventive care. With a global presence, Cigna is particularly appealing to international students who may continue their studies or work abroad after graduation.
Pros:

• Extensive international network, which can be beneficial for students traveling between countries
• Focus on preventive care and wellness programs

Cons:

• Higher premiums in comparison to smaller networks

6. Blue Cross Blue Shield PPO Network
Blue Cross Blue Shield (BCBS) is known for its robust network across the U.S. and for providing excellent preventive care options. With many localized plans, BCBS offers flexibility depending on the region where you study.
Pros:

• Strong coverage across the U.S.
• Customizable plans to fit regional needs

Cons:

• Network strength can vary by state
• Plans can be more expensive in certain regions

Key Factors to Consider When Choosing a PPO Network

When selecting a PPO network, consider these important factors:

• Coverage Area: Larger networks like UnitedHealthcare and Aetna cover a broader range of areas, ensuring you’ll have access to providers whether you’re studying in a city or a rural area.
• Budget: While networks like MP and First Health offer lower premiums, they also come with more limited provider options. UHC provides excellent coverage and flexibility, balancing cost and accessibility.
• Healthcare Needs: If you have ongoing medical needs or prefer flexibility when choosing specialists, UnitedHealthcare's PPO network is highly recommended due to its vast selection of providers.
• Technology and Support: Networks like UHC and Aetna offer user-friendly online portals and apps, helping you manage claims, find doctors, and access your health information quickly and easily.

Choosing the right PPO network is crucial for international students in the U.S. Each network—Aetna, United Healthcare, MP, and First Health—has its strengths and weaknesses, so it’s essential to weigh factors like coverage area, cost, and your specific healthcare needs. No matter which PPO network you choose, ensuring you have access to the right providers can help you stay healthy and focused on your studies during your time in the U.S.

As an international student in the USA, navigating the healthcare system can be overwhelming, especially in emergencies. If you ever find yourself in need of an ambulance, it’s important to understand how ambulance services work and when your insurance will cover the costs. While emergency medical services in the U.S. are among the best in the world, they can also be expensive. Here’s what you need to know about ambulance services and insurance coverage as an international student.

How Ambulance Services Work in the USA

When an emergency occurs, dialing 911 will connect you to emergency services, including an ambulance if needed. In the event of a severe medical emergency—such as a car accident, heart attack, stroke, or serious injury—an ambulance will transport you to the nearest hospital for immediate care.
Ambulance services in the U.S. are equipped with advanced medical technology and staffed by trained paramedics who can provide life-saving care during transport. Depending on the severity of your condition and your location, the ambulance may be either a ground ambulance (most common) or, in extreme situations, an air ambulance (for cases where rapid transportation is critical).
When Should You Call an Ambulance?As an international student, you might be unsure when it’s appropriate to call an ambulance. It’s important to reserve ambulance services for serious medical emergencies, such as:

• Severe injuries (e.g., fractures, head trauma, bleeding)
• Difficulty breathing or chest pain (signs of a possible heart attack)
• Stroke symptoms (sudden weakness, confusion, or slurred speech)
• Unconsciousness or seizures
• Severe allergic reactions

For minor health issues, it’s generally best to visit a nearby clinic, urgent care center, or student health center to avoid unnecessary costs.

Does Your Insurance Cover Ambulance Services?

Ambulance services in the USA can be expensive, often ranging from several hundred to several thousand dollars, depending on the type of ambulance and the distance traveled. Whether or not your insurance will cover these costs depends on several factors.

1. Medical Necessity
Most health insurance plans, including those for international students, will cover the cost of ambulance services if the situation is deemed a medical emergency. If the ambulance ride is considered medically necessary (e.g., you’re experiencing a life-threatening condition), insurance is more likely to cover it. However, if the situation isn’t deemed an emergency or medically necessary, insurance may not cover the costs.

2. In-Network vs. Out-of-Network
Just like with doctors and hospitals, ambulance services can be either in-network or out-of-network. If the ambulance provider is part of your insurance network, your out-of-pocket costs will typically be lower. However, if the ambulance service is out-of-network, you may face higher fees or reduced coverage. Unfortunately, in emergencies, you often don’t have control over which ambulance service is dispatched, so it’s essential to be prepared for potential costs.

3. Ground vs. Air Ambulances
Ground ambulances are more commonly covered by insurance for emergency transport. However, air ambulances, such as helicopters, are far more expensive and typically only covered in extreme medical emergencies where ground transport isn’t feasible. Be sure to check your insurance policy to see if air ambulance coverage is included.

​4. Co-Payments and Deductibles
Even if your insurance covers ambulance services, you may still be responsible for certain co-payments or meeting your plan’s deductible before full coverage kicks in. For example, if your insurance policy has a $500 deductible, you may have to pay that amount before insurance covers the rest of the ambulance bill.
Understanding Your Health Insurance CoverageAs an international student in the U.S., it’s essential to familiarize yourself with your health insurance plan and understand what it covers in terms of emergency medical services. Here are a few tips to ensure you’re prepared:

• Review your insurance policy: Check if ambulance services are covered, what your co-payment or deductible is, and if there’s coverage for out-of-network providers.
• Know your in-network providers: While you can’t always control which ambulance service is dispatched, knowing which hospitals or emergency services are in-network can help reduce costs.
• Consider additional coverage: If you plan to travel frequently within the U.S. or engage in high-risk activities, it might be worth investing in supplemental insurance that covers air ambulances and other emergency services.
  
  

In case of a medical emergency:

Being prepared and understanding your insurance coverage for ambulance services can save you from unexpected costs. While ambulance services should be reserved for true medical emergencies, knowing when to call and what your insurance covers will give you peace of mind in an emergency situation.

In the busy life of a student, balancing classes, assignments, extracurricular activities, and social life can often make sleep seem like an afterthought. Many students believe that sacrificing sleep for more study time will improve their grades, but in reality, the opposite is true. Sleep plays a crucial role in cognitive function, memory retention, and overall academic performance. Understanding the importance of sleep can not only help you perform better in school but also improve your well-being in the long run.

How Sleep Affects the Brain
During sleep, your brain is far from inactive. In fact, while you're resting, your brain is working hard to consolidate memories, process information, and prepare you for the next day. Without enough sleep, your brain struggles to retain new information, focus on tasks, and make decisions—skills that are vital for academic success.
Lack of sleep can impair attention, reduce problem-solving ability, and slow down reaction times, making it harder to absorb information and perform well on tests or assignments. On the other hand, getting enough quality sleep helps with better concentration, clearer thinking, and sharper memory, all of which are key to excelling in school.

The Link Between Sleep and Memory
One of the most important functions of sleep is memory consolidation. This process, which occurs during deep sleep, strengthens the neural connections formed during the day, helping you retain the material you've learned. If you pull an all-nighter to cram for a test, you may find it harder to recall that information the next day, as your brain hasn’t had the chance to process and store it effectively. Regular, restorative sleep allows you to absorb new knowledge more efficiently and recall it when you need it most.

The Impact of Sleep Deprivation
When students sacrifice sleep, they often suffer more than just tiredness. Sleep deprivation can have a profound impact on mood, energy levels, and academic performance. Studies have shown that sleep-deprived students are more likely to experience difficulty concentrating, lower grades, and higher levels of stress and anxiety.
Even short-term sleep deprivation—missing just a few hours of sleep for several nights—can lead to noticeable declines in cognitive performance. In the long term, chronic lack of sleep can contribute to more serious health problems, including weakened immune function, increased risk of mental health issues, and difficulty regulating emotions.

How Much Sleep Do You Need?
The National Sleep Foundation recommends that young adults aged 18-25 get between 7 and 9 hours of sleep each night. However, the key is not just quantity but also quality. Developing good sleep habits, such as maintaining a regular sleep schedule, creating a relaxing bedtime routine, and minimizing distractions from screens, can help ensure that you get the restorative sleep your brain and body need.
Tips for Better SleepIf you're struggling to balance schoolwork and sleep, here are a few tips to help you prioritize rest:

1. Create a Sleep Schedule: Go to bed and wake up at the same time each day, even on weekends.
2. Limit Screen Time: Avoid using your phone, tablet, or computer at least an hour before bed, as blue light from screens can interfere with your body’s production of melatonin.
3. Make Your Environment Sleep-Friendly: Keep your bedroom cool, dark, and quiet to promote restful sleep.
4. Exercise Regularly: Physical activity can improve sleep quality, but try not to exercise too close to bedtime, as it may make it harder to fall asleep.
5. Avoid Caffeine Late in the Day: Caffeine can stay in your system for hours, so avoid coffee, energy drinks, and other stimulants in the afternoon and evening.

Make Sleep a Priority
As a student, sleep is one of the most important tools for academic success. By prioritizing your rest, you’re giving your brain the chance to recharge, process information, and prepare you for the challenges of the day ahead. Remember: better sleep leads to better grades and a healthier, more balanced life. So next time you’re tempted to stay up late to finish that paper, consider that a good night’s sleep might be the most effective study strategy of all.

​Studying in the United States isn’t just about hitting the books—it's also about exploring one of the most diverse and exciting countries in the world. With its vast landscapes, iconic cities, and rich cultural experiences, the USA offers endless opportunities for adventure. Whether you're an international student or a local student looking for a weekend getaway, here’s a guide to some must-see destinations that should be on every student’s travel list.
​
1. New York City, New York
No list of must-see destinations in the USA would be complete without New York City. Known as "The City That Never Sleeps," NYC offers something for everyone—world-famous museums, iconic landmarks like the Statue of Liberty and Times Square, and endless dining and shopping options. Don’t forget to explore Central Park, take a stroll across the Brooklyn Bridge, and visit the many art galleries in Chelsea. New York’s fast-paced energy makes it the perfect destination for students looking for a vibrant and unforgettable experience.

2. San Francisco, California
San Francisco is a must for students who want to experience the charm of the West Coast. Famous for its steep hills, cable cars, and the iconic Golden Gate Bridge, this city is also known for its tech culture and diverse neighborhoods. Students can explore historical sites like Alcatraz Island, enjoy fresh seafood at Fisherman’s Wharf, or take a day trip to nearby Napa Valley for a wine-tasting experience. San Francisco’s laid-back vibe and progressive culture make it a unique stop on any travel itinerary.

3. Washington, D.C.
For students interested in history and politics, Washington, D.C. is the ultimate destination. As the nation’s capital, D.C. is home to famous landmarks such as the White House, the U.S. Capitol, and the Lincoln Memorial. The Smithsonian Institution, a collection of 19 museums, offers free admission and is a treasure trove of knowledge on everything from art and history to space exploration. Make sure to walk along the National Mall and visit the impressive monuments and memorials that tell the story of the United States.

4. Grand Canyon, Arizona
If you’re seeking adventure and natural beauty, the Grand Canyon should be at the top of your list. One of the Seven Natural Wonders of the World, the Grand Canyon offers breathtaking views, hiking trails, and opportunities for outdoor activities like camping and rafting. For a memorable experience, consider watching the sunrise or sunset over the canyon's edge. Whether you’re an outdoor enthusiast or just looking to appreciate nature’s grandeur, this destination is perfect for student travelers.

5. New Orleans, Louisiana
Looking for a destination that offers a blend of history, culture, and music? New Orleans is famous for its vibrant nightlife, live jazz music, and unique Creole and Cajun cuisine. Wander through the French Quarter, with its colorful buildings and lively atmosphere, and make sure to try classic dishes like gumbo and beignets. Time your visit to coincide with Mardi Gras for an unforgettable festival experience. New Orleans is an excellent destination for students who want to explore a city unlike any other in the U.S.

6. Miami, Florida
For students who want to relax and soak up some sun, Miami is the place to be. Known for its beautiful beaches, art deco architecture, and Latin American influences, Miami is the perfect mix of leisure and culture. Spend your days lounging on South Beach, enjoy Cuban cuisine in Little Havana, and explore the vibrant street art scene in Wynwood. Miami’s tropical climate and lively atmosphere make it a popular destination for students looking for a fun getaway.

7. Chicago, Illinois
Chicago, located on the shores of Lake Michigan, is famous for its impressive skyline, deep-dish pizza, and rich cultural scene. Students can visit Millennium Park, home to the famous "Bean" sculpture, catch a game at Wrigley Field, or explore the Art Institute of Chicago. The city’s diverse neighborhoods offer a variety of experiences, from Chinatown to Pilsen’s street art. Don’t miss out on a boat tour of the Chicago River to learn about the city’s architecture.

Conclusion: Explore the USA, One Destination at a Time
Whether you're drawn to the bustling streets of New York City or the natural wonders of the Grand Canyon, the USA has a destination for every kind of student traveler. From coast to coast, the variety of landscapes, cultures, and experiences ensures that your time in the United States will be filled with adventure. So pack your bags, grab a friend, and start exploring all that this amazing country has to offer!

For international students, studying in the United States offers a wealth of opportunities. From top-tier universities to diverse cultural experiences, it's a journey filled with excitement and challenges. However, one of the first hurdles you’ll face is understanding the different types of US student visas. Each visa comes with its own requirements and limitations, so knowing which one is right for you is crucial. In this guide, we’ll break down the three most common student visas: F-1, J-1, and M-1.

F-1 Visa: Academic Studies
The F-1 visa is the most common type of student visa and is issued to international students attending an accredited college, university, high school, private elementary school, or other academic institutions. This visa is ideal for those pursuing a full-time degree or academic program.
With an F-1 visa, students are allowed to stay in the US for the duration of their study program, plus an additional 60 days to prepare for departure. In certain cases, F-1 students may apply for Optional Practical Training (OPT), which allows them to work in their field of study for up to 12 months after graduation. For STEM (Science, Technology, Engineering, and Math) students, this can be extended to 24 months.

Key points:

• For academic programs (undergraduate or graduate)
• Eligible for OPT (with extensions for STEM students)
• Full-time study required

J-1 Visa: Exchange Visitors
The J-1 visa is designed for students participating in exchange programs, including short-term study, internships, or research positions. This visa is most commonly associated with cultural exchange initiatives, where students experience life in the US while gaining educational or practical experience. A defining feature of the J-1 visa is the focus on fostering mutual understanding between cultures.
Unlike the F-1 visa, J-1 visa holders are often subject to a two-year home residency requirement, meaning they must return to their home country for at least two years after their program ends before they can apply for another US visa or green card (with some exceptions).

Key points:

• For exchange programs or internships
• May include a two-year home residency requirement
• Ideal for short-term programs

M-1 Visa: Vocational Studies
The M-1 visa is for students enrolled in non-academic or vocational programs, such as technical courses or training schools. Unlike the F-1 visa, the M-1 does not permit students to work during their studies, and the duration of the visa is typically based on the length of the program.
M-1 visa holders are allowed to stay for the duration of their program plus a fixed grace period of 30 days. However, unlike F-1 students, they are not eligible for OPT or work opportunities after completing their program.
Key points:

• For vocational or technical training
• No work allowed during or after the program
• Fixed duration of stay with limited extensions

Choosing the Right Visa
Understanding the differences between these visas is essential when planning your studies in the US. Be sure to assess your educational goals, the length of your program, and whether or not you wish to work in the US after completing your studies. It’s also crucial to work closely with your school’s international office and an immigration lawyer, if necessary, to ensure you apply for the correct visa.

​Conclusion: Start Your US Study Journey with the Right Visa
Choosing the correct student visa is the first step toward fulfilling your academic dreams in the United States. Whether you’re pursuing an academic degree, participating in an exchange program, or enrolling in a vocational course, understanding the differences between F-1, J-1, and M-1 visas will help you make the best choice for your future.

As an international student in the United States, managing healthcare costs is a crucial aspect of ensuring a smooth educational journey. While comprehensive health insurance covers a wide range of medical services, dental and vision care often require additional coverage. Dental and vision discount plans can be a cost-effective solution for international students seeking affordable care for their teeth and eyes. This article explores what dental and vision discount plans are, how they work, and why they might be the right choice for you.

What are Dental and Vision Discount Plans?
Dental and vision discount plans are not insurance plans but rather membership programs that offer significant discounts on various services at participating dentists and optometrists. By paying an annual or monthly membership fee, students gain access to a network of healthcare providers who have agreed to charge reduced rates to plan members. These discounts can range from 20% to 60% off the regular prices for everything from routine check-ups and cleanings to more complex procedures such as fillings, root canals, eyeglass frames, and contact lenses.

How Do Dental and Vision Discount Plans Work?
Once you enroll in a dental or vision discount plan, you’ll receive a membership card similar to an insurance card. When you visit a dentist or optometrist who participates in the plan’s network, you simply present your card to receive services at discounted rates. There are no claim forms to fill out and no waiting periods for major procedures, which are common hurdles with traditional insurance policies. This simplicity makes discount plans an appealing option for students who want straightforward, cost-effective solutions for their dental and vision needs.

Benefits of Dental and Vision Discount Plans

• Affordability: The primary advantage of discount plans is their affordability. The membership fees for these plans are generally lower than those for traditional dental and vision insurance. Moreover, the discounts provided can make routine and emergency care much more accessible.
• Immediate Access: Unlike insurance, which often comes with waiting periods for certain services, discount plans typically allow you to start using the benefits immediately upon enrollment. This feature is particularly beneficial for international students who might need urgent dental or vision care.
• No Annual Limits: Dental and vision discount plans usually do not have annual spending limits. Members can use the discount as often as needed, which is helpful for those requiring multiple treatments or procedures.
• Flexibility: With no paperwork or claims to file, discount plans offer a hassle-free approach to managing dental and vision care. You also have the freedom to choose any provider within the network without needing referrals.

Consider a Trusted Provider
While exploring your options for dental and vision discount plans, it's essential to choose a provider that offers comprehensive benefits at an affordable cost. In partnership with Careington International Corporation, Compass Student Insurance offers specialized Dental and Vision Discount Plans designed specifically for international students in the USA. These plans not only provide substantial savings on dental and vision care but also include a wide network of qualified healthcare providers.

​Why Choose Our Plan?

• Extensive Coverage: Enjoy discounts on a wide range of dental and vision services.
• Immediate Access: No waiting periods—start using your benefits as soon as you sign up.
• Affordable Rates: Manage your health care expenses without compromising on quality or accessibility.

Interested in learning more about how our Dental and Vision Discount Plans can help you save while studying in the US? Click here for detailed information and easy sign-up options. Ensure your health needs are covered affordably and effectively with a plan that understands the challenges faced by international students.

When it comes to finding accommodation as an international student in the USA, one of the first major decisions you'll need to make is whether to live on-campus or off-campus. Both options have their own sets of advantages and disadvantages, and your choice will depend on your personal preferences, budget, and lifestyle needs. Here's a comprehensive look at the pros and cons of on-campus and off-campus living to help you make an informed decision.

On-Campus Living
On-campus living typically involves residing in dormitories or student housing provided by the university. This option offers a variety of benefits, especially for new international students who may be unfamiliar with the area and the local housing market.

Advantages of On-Campus Living:

1. Convenience: Living on campus means you're close to your classes, libraries, and other university facilities. This can save you time and money on transportation and make it easier to participate in campus activities and events.
2. Community and Social Life: On-campus housing fosters a strong sense of community. You'll have more opportunities to meet fellow students, participate in social events, and make friends. This can be particularly valuable for international students looking to build a social network.
3. Security: University campuses typically have security measures in place, such as campus police and secure entry systems, which can provide peace of mind.
4. All-Inclusive Costs: On-campus housing often includes utilities, internet, and sometimes even meal plans, which can simplify your budgeting.
5. Support Services: Many universities offer additional support services for students living on campus, including residential advisors, counseling services, and academic support.

Disadvantages of On-Campus Living:

1. Cost: On-campus housing can sometimes be more expensive than off-campus options, particularly when you factor in the cost of meal plans and other mandatory fees.
2. Limited Privacy: Dormitory living means sharing your space with roommates and neighbors, which can limit your privacy.
3. Rules and Regulations: On-campus housing often comes with strict rules regarding visitors, quiet hours, and other aspects of student life, which may feel restrictive.
4. Space: Dorm rooms are typically smaller and may lack the space and amenities that off-campus apartments offer.

Off-Campus Living
Off-campus living involves renting an apartment, house, or shared accommodation in the surrounding community. This option offers greater independence and flexibility but comes with its own set of challenges.

Advantages of Off-Campus Living:

1. Independence: Living off-campus gives you more freedom to live according to your own rules and schedule. You'll have more control over your living environment and lifestyle.
2. Privacy: Off-campus housing often offers more privacy and space compared to dormitory living.
3. Variety of Options: There are many different types of off-campus housing available, from shared apartments to private homes, allowing you to choose the option that best fits your needs and budget.
4. Potential Cost Savings: Depending on the location and type of housing, living off-campus can be more affordable than on-campus options. You can save money by cooking your own meals and managing your utilities.
5. Real-World Experience: Living off-campus provides valuable life experience, such as managing bills, dealing with landlords, and maintaining a household.

Disadvantages of Off-Campus Living:

1. Commute: Living off-campus means you'll need to commute to campus, which can be time-consuming and costly, especially if you don't have access to reliable public transportation.
2. Isolation: You may feel more isolated living off-campus, especially if you don't have roommates or live far from other students.
3. Responsibilities: Renting off-campus comes with additional responsibilities, such as paying rent and utilities, handling maintenance issues, and navigating lease agreements.
4. Security Concerns: Off-campus housing may not have the same level of security as on-campus options, and you'll need to ensure your own safety and the security of your belongings.

Making Your Decision
When deciding between on-campus and off-campus living, consider your priorities and what environment will best support your academic and personal success. If you value convenience, community, and support services, on-campus living might be the best choice. However, if you seek independence, privacy, and potentially lower costs, off-campus living could be more suitable.

Additionally, it's essential to research your options thoroughly. Visit potential off-campus apartments, talk to current students about their experiences, and consult your university's housing office for advice and resources. Many universities offer assistance with finding off-campus housing and provide information about local neighborhoods, rental agreements, and tenant rights.

Ultimately, whether you choose to live on-campus or off-campus, your accommodation will play a significant role in your overall university experience. Take the time to consider your needs and preferences and choose the option that aligns best with your goals and lifestyle.

At Student Health Centers across the United States, international students can access a wide range of healthcare services tailored to their needs. These centers serve as a one-stop destination for both physical and mental health support, offering everything from routine medical care to counseling services.

For instance, let's imagine Maria, an international student studying at a university in California. One day, Maria wakes up feeling unwell, experiencing symptoms of a cold. Unsure of what to do, she remembers that her university has a Student Health Center on campus. Without hesitation, Maria makes her way to the center, where she is greeted by friendly staff at the front desk.

After a short wait, Maria is called in to see a healthcare provider. The provider listens attentively as Maria describes her symptoms and conducts a thorough examination. Based on Maria's symptoms and medical history, the provider diagnoses her with a common cold and recommends rest, hydration, and over-the-counter medication to alleviate her symptoms. Maria is relieved to receive prompt and expert care right on campus, without the need for an off-campus doctor's visit.
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But the Student Health Center offers more than just physical health services. Maria, like many international students, faces the stress and pressures of studying abroad. Feeling overwhelmed by coursework and adjusting to life in a new country, Maria decides to seek counseling support at the center. She schedules an appointment with a mental health counselor, who provides her with a safe and supportive space to discuss her concerns and develop coping strategies for managing stress and anxiety.

Throughout her time at university, Maria continues to utilize the services offered by the Student Health Center, whether it's for routine check-ups, vaccinations, or ongoing mental health support. She appreciates the convenience, affordability, and expertise provided by the center, knowing that her health and well-being are in good hands.

Here are the most important facts about the Student Health Center at a glance

Services Offered:
Student Health Centers offer a variety of services to address both physical and mental health needs. Some common services include:

1. Primary Care: This includes routine medical care for illnesses and injuries, as well as preventive services like vaccinations and health screenings.
2. Mental Health Counseling: Many Student Health Centers offer confidential counseling services to support students dealing with stress, anxiety, depression, and other mental health concerns.
3. Women's Health: Services such as gynecological exams, contraception counseling, and pregnancy testing may be available.
4. Sexual Health: Centers often provide testing and treatment for sexually transmitted infections (STIs) and education on sexual health topics.
5. Health Education: Students can access resources and information on topics such as nutrition, exercise, and healthy lifestyle choices.
6. Referrals: If specialized care is needed, Student Health Centers can provide referrals to off-campus healthcare providers or specialists.

Cost and Insurance:
Many Student Health Centers offer services at low or no cost to students. Some schools include basic healthcare services as part of the student fees, while others may charge nominal fees for certain services or prescriptions. Additionally, some centers accept health insurance plans, including international student health insurance, which may cover a portion of the costs.
It's essential to check with your school's Student Health Center regarding their specific pricing and insurance policies to understand what services are covered and any out-of-pocket expenses you may incur.

Hours of Operation:
Student Health Centers typically have convenient hours to accommodate students' busy schedules. While hours may vary depending on the school and the time of year, many centers are open during regular business hours on weekdays. Some may also offer evening or weekend hours for urgent care needs.
Before visiting the Student Health Center, it's a good idea to check their hours of operation and appointment availability, which can often be found on the school's website or by contacting the center directly.
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In conclusion, Student Health Centers play a vital role in supporting the health and wellness of international students studying in the USA. From medical care to counseling services, these centers offer comprehensive support to help students thrive academically, emotionally, and physically during their time abroad.

OPT, or Optional Practical Training, is a temporary employment authorization for international students in the United States who are on an F-1 visa. It allows them to gain practical work experience directly related to their field of study. OPT is typically granted for up to 12 months after completing a degree program, and in some cases, it can be extended for an additional 24 months for STEM (Science, Technology, Engineering, and Mathematics) graduates.

During the OPT period, international students are allowed to work in the United States in jobs that are directly related to their major field of study. This practical training is intended to complement their academic knowledge and provide valuable hands-on experience in their chosen field.

Now, regarding the question of whether one needs to purchase international insurance under OPT, it largely depends on the individual's circumstances. While international students studying in the United States are typically required to have health insurance coverage, whether they need international insurance specifically for OPT can vary.

If an international student remains in the United States during their OPT period, they may choose to maintain their existing health insurance coverage or purchase a new plan if their current coverage is not sufficient. However, if the student decides to return to their home country or travel internationally during their OPT period, they may need to consider purchasing international insurance to ensure they have adequate coverage while abroad.
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Ultimately, the decision to purchase international insurance during OPT depends on factors such as the individual's travel plans, their existing health insurance coverage, and any specific requirements set by their OPT employer or program. It's advisable for international students to carefully evaluate their insurance needs and consult with their designated school official (DSO) or immigration advisor for guidance on OPT-related insurance requirements.

Living as an international student in the USA can be an enriching experience, but it's essential to manage your finances wisely to make the most of your time abroad without breaking the bank. Here are some budget-friendly tips to help you navigate the cost of living and make your money go further:
1. Create a Budget
Start by creating a monthly budget that outlines your income and expenses. Identify your sources of income, such as scholarships, part-time work, or financial aid, and estimate your monthly expenses, including rent, utilities, groceries, transportation, and entertainment. Having a budget will help you track your spending and avoid overspending.
2. Save on Housing Costs
Consider sharing housing expenses by living with roommates or renting a room in a shared apartment. Explore affordable housing options near your university campus or in areas with lower rent prices. Additionally, look for housing arrangements that include utilities or offer discounted rates for students.
3. Cook at Home
Eating out can quickly drain your budget, so try to cook meals at home as much as possible. Plan your meals, buy groceries in bulk, and take advantage of discounts and coupons to save money on food expenses. Packing your lunch and snacks for school can also help you save on dining costs.
4. Utilize Student Discounts
Take advantage of student discounts and perks offered by local businesses, restaurants, theaters, and entertainment venues. Many establishments offer special deals and promotions for students, so always ask if there's a student discount available before making a purchase.
5. Use Public Transportation
Save money on transportation costs by using public transit options such as buses, trains, or subways. Many cities offer discounted fares for students, so be sure to inquire about student transportation passes or discounted rates. Consider walking or biking for short distances to further reduce transportation expenses.
6. Find Free or Low-Cost Activities
Explore free or low-cost recreational activities and entertainment options in your local area. Take advantage of campus events, museums with free admission days, community festivals, hiking trails, and outdoor parks. Engaging in affordable activities can provide opportunities for fun and relaxation without straining your budget.
7. Limit Non-Essential Expenses
Identify non-essential expenses such as subscription services, impulse purchases, and entertainment expenses that can be reduced or eliminated to save money. Prioritize your spending on essential items and experiences that align with your values and goals as an international student.
8. Seek Part-Time Employment
Consider seeking part-time employment opportunities to supplement your income and gain valuable work experience. Look for on-campus jobs, internships, or freelance opportunities that allow you to balance work with your academic responsibilities. Be mindful of your visa restrictions and eligibility requirements for working as an international student.
Living on a budget as an international student in the USA requires careful planning and resourcefulness, but it's entirely manageable with the right strategies in place. By creating a budget, saving on housing costs, cooking at home, utilizing student discounts, using public transportation, finding free or low-cost activities, limiting non-essential expenses, and seeking part-time employment, you can make the most of your financial resources and enjoy your study abroad experience to the fullest. Stay tuned for more tips and advice on thriving as an international student in the USA.

Studying abroad is an exciting adventure, but it's natural to feel homesick from time to time, especially when you're far away from family and familiar surroundings. Homesickness is a common experience among international students, but there are strategies you can use to manage it and make the most of your time in the USA.
Stay Connected
One of the best ways to combat homesickness is by staying connected with loved ones back home. Schedule regular video calls, send messages, and share updates about your life abroad. Knowing that you're still a part of your family and friends' lives can provide comfort and support during challenging times.
Build a Support Network
While it's essential to stay connected with people from home, it's also crucial to build a support network in your host country. Reach out to other international students, join clubs or organizations, and participate in campus events. Making new friends and forming connections with people who understand what you're going through can help alleviate feelings of loneliness and isolation.
Explore Your Surroundings
Instead of dwelling on what you miss about home, focus on embracing your new environment. Take advantage of opportunities to explore the local culture, try new foods, and visit nearby attractions. Immersing yourself in new experiences can distract you from feelings of homesickness and help you create lasting memories in your host country.
Stay Engaged Academically and Socially
Keeping yourself busy with academic and social activities can prevent homesickness from taking over. Stay engaged in your studies, participate in class discussions, and seek out opportunities for academic enrichment. Additionally, get involved in campus clubs, sports teams, or volunteer organizations to meet new people and pursue your interests outside of the classroom.
Seek Support
If you're struggling with homesickness or experiencing persistent feelings of sadness and loneliness, don't hesitate to seek support. Many universities offer counseling services specifically for international students, where you can talk to trained professionals who understand the unique challenges you're facing. Talking about your feelings and getting guidance on coping strategies can make a significant difference in your overall well-being.
Remember Why You Chose to Study Abroad
Whenever you're feeling homesick, remind yourself of the reasons why you chose to study abroad in the first place. Whether it's to pursue academic opportunities, gain new perspectives, or challenge yourself personally and professionally, keeping your goals in mind can help you stay motivated and focused during difficult times.
Final Thoughts
Homesickness is a natural part of the study abroad experience, but it doesn't have to overshadow your time in the USA. By staying connected, building a support network, exploring your surroundings, staying engaged academically and socially, seeking support when needed, and remembering your motivations for studying abroad, you can effectively manage homesickness and make the most of your international education journey. Stay tuned for more tips and advice for thriving as an international student in the USA.

As an international student in the United States, comprehending the intricacies of insurance jargon is fundamental to ensuring adequate coverage during your academic journey. Below, we've compiled a comprehensive list of 20 essential insurance terms tailored to international student insurance in the USA:

1. Premium: The amount paid periodically (usually monthly or annually) for insurance coverage.
2. Deductible: The initial amount an insured person must pay out of pocket before the insurance company begins to cover eligible expenses.
3. Copayment (or Copay): A fixed fee paid by the insured for certain covered services, typically due at the time of service.
4. Coinsurance: The percentage of covered expenses an insured person pays after the deductible is met, with the insurance company covering the remaining percentage.
5. Out-of-Pocket Maximum (OOPM): The maximum amount an insured person is required to pay for covered services in a given period, after which the insurance company covers 100% of eligible expenses.
6. In-Network: Healthcare providers (e.g., doctors, hospitals) that have contracted with the insurance company to provide services at negotiated rates.
7. Out-of-Network: Healthcare providers who have not entered into a contract with the insurance company, resulting in potentially higher out-of-pocket costs for the insured.
8. Preventive Care: Medical services aimed at preventing illness or detecting health conditions early, often covered by insurance at no additional cost.
9. Preauthorization: Approval obtained from the insurance company before certain medical treatments or procedures, ensuring coverage eligibility.
10. Pre-Existing Condition: A health condition, illness, or injury that existed before the start of an insurance policy. Coverage for pre-existing conditions may vary depending on the insurance plan, with some plans providing limited or no coverage for such conditions during a waiting period.
11. Waiver: The process by which students may opt out of university-provided insurance if they can demonstrate coverage through an alternative, comparable insurance plan.
12. Claim: A formal request made by the insured to the insurance company for payment or reimbursement of covered expenses.
13. Benefit: The specific services or treatments covered by an insurance policy, along with the corresponding coverage details.
14. Exclusion: Services or conditions not covered by an insurance policy, requiring the insured to pay out of pocket for associated expenses.
15. Renewal: The process of extending or continuing an insurance policy beyond its original term, often subject to updated terms and premiums.
16. Network: A group of healthcare providers, including doctors, hospitals, and specialists, that have agreed to provide services to members of a particular insurance plan at negotiated rates. Seeking care within the network typically results in lower or no out-of-pocket costs for insured individuals.
17. Dependent Coverage: Insurance coverage extended to spouses, domestic partners, and/or children of the primary insured person.
18. URC (Usual, Reasonable, and Customary): Refers to the standard charges for medical services or treatments in a particular geographic area. Insurance companies often use URC as a benchmark for determining the allowable amount they will reimburse for covered services provided by out-of-network healthcare providers.
19. Emergency Medical Evacuation: Coverage for transporting an injured or ill person to the nearest appropriate medical facility for treatment, often in cases where local facilities are inadequate.
20. Repatriation of Remains: Coverage for returning the deceased insured person's remains to their home country in the event of death while abroad.

Understanding these fundamental insurance terms will empower international students to make informed decisions regarding their healthcare coverage while studying in the USA. For further clarification or assistance, students are encouraged to consult their insurance provider or university's international student services office.