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- Health insurance plans for non-US citizens in America

Guard / Safety

US NetCare plans are offered to non-US citizens, including:

Students, visiting faculty, scholars & researchers
Dependents, student's spouse & children, part-time students, OPT, ESL
Immigrants, expatriates and other visitors to the USA

Main benefits:

US NetCare plans meet or exceed the U.S. State Department requirements
Spouse and children can purchase insurance separately from the student
Multilingual representatives are committed to assistance and satisfaction
Covers repatriation & medical evacuation for up to $100,000
Fast processing

View all rates

Select your age:

Compare US NetCare plans

	BuyGuard	BuySafety
Monthly rate	Select age above...	Select age above...
Lifetime medical maximum	$1,000,000	$500,000
Medical Evacuation	$50,000	$20,000
Repatriation of Remains	$50,000	$20,000
Medical expenses annual maximum	$250,000	$250,000
Deductible per event	$25	$50
Coverage in network	90% up to $20,000; 100% up to $250,000	80% up to $20,000; 100% up to $250,000
Coverage out of network	70% up to $250,000 of Reasonable & Customary charges	60% up to $250,000 of Reasonable & Customary charges
Pre existing conditions	Covered after 12 months up to $2,500 lifetime	Not covered
Maternity	Up to $50,000. 12 months waiting period before conception	Not covered
Pharmacy benefit annual maximum (co-pays apply)	$1,500	$1,000
AD&D Accidental Death & Dismemberment	$25,000	$15,000
View policy brochure

US NetCare plans cover the Reasonable and Customary medical charges that are medically necessary for your well being while staying in the USA.
- Amounts covered for benefits other than Accidental Death are the maximum amounts paid while coverage is in force for the insured person.
- Expenses incurred during a hospital emergency room visit will not be covered if the visit is not deemed to be of an emergency nature.
Eligibility: You are eligible if you have a current passport, entered the U.S. with a valid visa and are temporarily residing outside your home country/country of permanent residency. This insurance is valid in the U.S. for individuals who are not U.S. passport holders or Permanent residents (Green Card) and their dependents. Covered individuals and their dependent children under the age of 19 (25 if full time students) traveling in the U.S. or outside of the U.S. during the term of this policy will be covered for medically necessary expenses according to the terms and limitations of each Benefit.

US NetCare monthly rates

Age Group	Guard	Safety
16 to 23	$82	$63
24 to 30	$122	$83
31 to 40	$162	$114
41 to 50	$190	$148
51 to 60	$255	$193
61 to 65	$395	$325
Dependent child	$140	$104

* Rates are valid for coverage with an effective date on or after October 1, 2009 and until July 1, 2010.
* Term of coverage is 3 months minimum, 12 months maximum. Coverage is renewable up to 36 months.

Lifetime medical maximum
The maximum amount of $US the insurance company will pay for your claims during your lifetime. Medical Evacuation
The amount of coverage for medically necessary transportation: ambulance, air rescue, etc. Repatriation of Remains
The amount of coverage for transporting the body of a deceased person back home. Deductible per event
The amount of money you have to pay the service provider before insurance coverage begins. Coverage in network
In-network means using a hospital, doctor or clinic from the PPO list. These health care providers charge reduced rates. Coverage out of network
Out-of-network means any health care provider which does not belong to the PPO. Pre existing conditions
Medical problems which exist at the time you purchase your health insurance. Pharmacy benefit annual maximum
The amount of coverage for prescribed drugs and medicines Accidental Death & Dismemberment
Insurance coverage for loss of life or body parts

Questions? Please call us at (800) 244-1180 or e-mail to mailbox@isoa.org
ISO Customer Care representatives are standing by to assist you!