view policy:
COMPASS Platinum
COMPASS PLATINUM health plan is available for:
- International students
- Full-time foreign students
- Visiting faculty
- Scholars & researchers
- OPT students
- ESL students
- Exchange foreign students
- High school foreign students (K-12)
Main benefits:
- COMPASS PLATINUM plan exceeds U.S. State Department requirements for J1 / J2 visa holders and F1 students
- A leading network of doctors (PPO) - Beech Street - 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!
| Benefits |
In Network (PPO) |
Out of Network |
| Medical expense per accident/sickness |
$250,000 |
Same |
 Lifetime
medical maximum |
No Maximum |
$1,000,000 |
| Deductible |
$0 |
Same |
| Maximum out-of-pocket expenses1 |
$2,000 annually |
No Maximum |
| Co-insurance |
80% of first $4,000; 100% up to $250,000
of PPO Allowance |
70% / 30% of Reasonable and Customary charges
up to $250,000 |
| Co-payment2 |
|
|
| . At student health center |
$0 |
$0 |
| . Elsewhere |
$40 |
$60 |
| . Prescription |
$30 generic / $40 all other |
$60 |
| . ER visit (waived if admitted) |
$100 |
$150 |
| . Hospitalization |
$250 |
$500 |
| Pre-existing condition |
Covered after 6 months |
Same |
| Maternity |
Covered as any other illness |
Same |
| Prescription |
$2,000 annually |
Same |
| X-ray and labs tests |
$2,000 annually |
Same |
| Medical
evacuation |
$100,000 |
Same |
| Repatriation
of remains |
$50,000 |
Same |
| Accidental death & dismemberment |
$15,000 |
Same |
| View policy brochure |
 |
|
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 for twelve (12) or more credit hours
- 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 under the age of 19 are also eligible for coverage if accompanying you. For purposes
of this insurance, if your home country (passport country) is different from your country of permanent residence (location in
which you permanently reside), you will not be covered in either location.
COMPASS PLATINUM monthly rates
| Student |
$87 |
| Student & spouse |
$357 |
| Student & family up to 2 children |
$647 |
| Each additional child |
$130 |
* Minimum enrollment - 3 months.
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.
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!
ISO, International Student Organization, is the principal provider of international student health insurance. As such, ISO is the sole service provider of ISO health insurance plans: COMPASS Gold, COMPASS Silver, COMPASS Platinum, ISO Med 1 and ISO Med 2 are underwritten by United States Fire Insurance Company. International students who need student health insurance are looking for international student insurance at ISO whose main interest is providing health insurance for international students for more than 50 years. In addition to F1 insurance and J1 insurance, ISO insurance plans are also offered to non-US citizens who are seeking visitor health insurance plans and medical insurance for non-US citizens. The leading visitor health plans are VOYAGER Elite and VOYAGER plans; US NetCare Guard and US NetCare Safety medical insurance plans for non-US citizens. Also suitable for international students after graduation and OPT. Among other services members of ISO can benefits from affordable Calling Cards, Monthly e-newsletter, information about scholarships and grants and more.