view policy:
Compass Gold and ISO Med 1
Summary schedule of benefits
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BuyCOMPASS Gold
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BuyISO Med 1
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| Insurance Company |
United States Fire |
United States Fire |
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Monthly rate
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$39
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$42
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 Lifetime medical maximum
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$600,000
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$1,000,000
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Medical Evacuation
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$120,000
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$100,000
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Repatriation of Remains
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$60,000
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$50,000
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Maximum per injury or sickness
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$250,000
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$250,000
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Deductible - reduced at Student Health Center
(if available) to:
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$45
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$25
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Deductible in-network
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$90
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$90
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Deductible out of network
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$90
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$225
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Co-insurance in-network (up to benefit limits)
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100%
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80% of first $4,000; 100% thereafter
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Co-insurance out-of-network (up to benefit limits)
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100%
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75% of usual and customary |
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Pre-existing conditions (up to benefit limits)
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Covered after 6 months
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Covered after 6 months
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View policy brochure
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You are eligible if you are a member of ISO, have a current passport or visa and are temporarily residing outside your home country/country of permanent residence, while actively engaged in education or research activities. You are "actively engaged" in educational activity if you are one of the following:
- F1/J1 valid visa holder.
- Undergraduate - registered for and attending classes on a full-time basis.
- Graduate student.
- Scholar or researcher who is invited by an educational organization.
- Student involved in education, educational activities, or research- related activities.
Your spouse and any dependent children are also eligible for
coverage if accompanying you. Permanent residents are not eligible for coverage under this Policy.
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Compass Platinum Select
- Full time international students
- Visiting faculty
- Scholars & researchers
- ESL students
- Exchange foreign students
- High school foreign students (K-12)
Main benefits:
- Platinum select plan exceeds U.S. State Department requirements for J1 / J2 visa
holders and F1 students
- A leading network of doctors (PPO) - First Health - allows you to save more!
- No lifetime medical maximum in PPO network!
- $1,000,000 lifetime medical maximum out-of-network!
- Cost is well below other plans with similar benefits - alternative to the school's
mandatory plan
- $150,000 Coverage for Repatriation & Medical Evacuation!
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Benefits
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In Network (PPO)
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Out of Network
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Medical expense per injury/sickness
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$250,000
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$250,000
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Lifetime medical maximum
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No Maximum
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$1,000,000
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Deductible
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$0
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$0
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Maximum out-of-pocket expenses1
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$2,000 annually
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No Maximum
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Co-insurance
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80% of first $4,000; 100% up to $250,000
of PPO Allowance
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70% of Reasonable and Customary charges
up to $250,000
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Co-payment2
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. At student health center
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$0
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$0
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. Elsewhere
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$40
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$60
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. ER visit (waived if admitted)
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$250
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$300
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. Hospitalization
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$250
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$500
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Pre-existing condition
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Covered after 6 months
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Covered after 6 months
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Maternity
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Covered as any other injury
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Covered as any other injury
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Prescription
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$1,000 annually
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$1,000 annually
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Prescription deductible per fill
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$30
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$30
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X-ray and labs tests
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$2,000 annually
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$2,000 annually
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Medical evacuation
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$100,000
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$100,000
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Repatriation of remains
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$50,000
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$50,000
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Accidental death & dismemberment
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$15,000
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$15,000
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View policy brochure
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1Not including co-payment
2Co-payments are waived if student is treated on site
at student health center and is not referred off campus.
- In case of a student not being able to be treated at health center, and subsequently
referred to off campus private doctor, co-payment will be half of scheduled amount.
- In case of treatment not being possible at student health center and student is
referred to the ER, co-payment will be half of scheduled amount.
- In case of treatment not being available at student health center and student is
referred to the ER and then subsequently hospitalized; ER, doctor's visit and hospitalization
co-payments will be integrated to a maximum of $250 in PPO or $500 elsewhere.
Eligibility: You are eligible if you are a member of ISO
have a current passport or visa and are temporarily residing outside your
home country/country of permanent residence, while actively engaged in education
or research activities. You are "actively engaged" in educational activity
if you are one of the following:
- F1/J1 valid visa holder
- Undergraduate - registered for and attending classes on full-time basis
- Graduate student
- Scholar or researcher who is invited by an educational organization
- Student involved in education, educational activities, or research- related activities
- Students on OPT are not eligible for this plan
Your spouse and dependent children are also eligible for coverage if accompanying
you. Permanent residents are not eligible for coverage under this Policy.
PLATINUM Select monthly rates
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Student
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$87
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Student & spouse
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$357
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Student & family up to 2 children
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$647
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Each additional child
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$130
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* Minimum enrollment - 3 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.
Maximum per injury or sickness
The maximum amount of $US the insurance company will pay for a specific injury or
sickness.
Deductible per event
The amount of money you have to pay the service provider before insurance coverage
begins.
Deductible per event
The amount of money you have to pay the service provider before insurance coverage
begins.
Co-insurance
The percentage of coverage the insurance company pays.
Pre existing conditions
Medical problems which exist at the time you purchase your health insurance.
Lifetime medical maximum
The maximum amount of $US the insurance company will pay for your claims during
your lifetime.
Deductible
The amount of money you have to pay the service provider before insurance coverage
begins
Co-insurance
The percentage of coverage the insurance company pays
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.
Co-payment
means the fee you pay for certain medical services or prescription drugs. For example,
you may pay $10 to fill a prescription and the health plan covers the balance of
the charges.
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