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150 West 30th Street, Suite 1101
New York, NY 10001
Office hours are Monday to Friday, 9 AM to 6 PM EST

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FAQ - Frequently Asked Questions

FAQ – Frequently Asked Questions – is a short list of our most frequently asked questions we are getting from our customers. If you cannot find what you are looking for in here, or have specific questions about benefits and plans, please contact our Customer Care representatives. We are here to assist you!

Before the purchase
Who is eligible for ISO’s insurance plans?

ISO plans are offered to non-U.S. citizens only. Our student plans are available for international students who are currently away from their home country and engaged in educational activity. Voyager Plan is available for part-time students, dependents, and other non-US citizens in the USA.  For specific eligibility requirements please check each plan's policy brochure.

Are people under F1 OPT status eligible for any ISO plan?

Yes, F1 OPT students with a valid EAD Card can purchase the OPTima Basic Plan or the OPTima Enhanced Plan. You are eligible to the OPTima Basic or the OPTima Enhanced plan if you have applied for OPT.

What is the minimum and maximum age to enroll in the student and non-student plans?

The minimum age to enroll in a student plan is 12 years old. The minimum age to enroll in a non-student plan is 7 years old. Maximum age in enrollment for all plans is 64 years old.

Can I purchase an insurance plan before I receive my J1 visa?

Yes, you can purchase either the J1 Exchange Plan or J1 Exchange Plan Superior. You should select the effective coverage date of the policy according to your program start date or the estimated arrival date to the U.S.

I have dual citizenship, am I eligible to ISO insurance plans?

If you hold a U.S. citizenship, then you are not eligible to any of ISO insurance policies. This also applies if you have citizenship but not have resided in the U.S. over a period of time.

What is covered under the plans?

ISO plans cover sicknesses and injuries, and our different plans offer different levels of coverage. Please check the summary schedule of benefits in the brochure. For additional information please call our claims administrator. The claim administrator information can be found on the back of your medical card.

What plans can dependents with F2/J2 visa get?

Dependents on F2 or J2 visa can enroll either with the F1/J1 visa holder's plan as a dependent or on their own, by purchasing the Voyager plan for non-student, if they are age 7 and older. The second option is usually more affordable but fewer benefits are offered. 

Can the premium be paid monthly?

No, payment for the selected period of insurance (the whole term) is due at the time of enrollment.

What are the payment options?

You may pay by debit/credit card online. Alternatively, you may choose to mail in your payment voucher together with a personal check or money order. Please see specific instructions on the payment voucher on step 4 of the enrollment process.

When does the insurance plan become effective?

All of our student plans as well as the Voyager plan become effective as early as the next day after you completed the online enrollment and paid for your order. For the OPTima plans, they can only start on the 1st or 16th of the month.

Am I eligible to the OPTima plans before my OPT effective date shown on my EAD Card?

Yes, you are eligible to both OPTima Basic Plan and OPTima Enhanced Plan as long as you filed the OPT application.

Purchase process
How do I enroll in ISO’s insurance plans online?

Please visit our website and choose the plan that fits your needs. Click on the “Buy” icon and follow our convenient registration and purchasing process. Make the payment online using your credit or debit card. We will email you a confirmation letter together with your Insurance ID card and plan’s brochure instantly.

Can I enroll by any other way if I can’t do it online?

Yes, you can complete the last 2 pages of the policy brochure (Enrollment form). Then, scan and email/fax the form (if paying by credit card) to ISO: Email: Fax: (212) 262-8920.

How can I pay using check or money order?

To pay by check or money order on step 4 of our enrollment process, select “Print and mail with check/money order” then click “create payment voucher”. You can complete the required information on the following page.

Will I receive a confirmation of insurance letter after the purchase?

Yes, a confirmation email will be sent to you automatically after you have successfully submitted your payment. The confirmation email you will receive will have several attachments: Insurance ID card, Confirmation Letter, and your policy brochure. Please check your junk mail or spam folder if you cannot find in your inbox.

Can I purchase the plan if I am outside the United States?

Yes, you can purchase the plan on our website, 24 hours a day and 7 days a week. A confirmation email attached with the PDF insurance card and confirmation letter will be sent to you directly after your purchase.

How do I know if I have successfully added a dependent under my policy?

During step 3 of the purchasing process, you will have the option to add a dependent. You should complete the sections using your dependent’s information and must click “ADD”. If you do not click “ADD” then the dependent will not be added. You will also see the updated premium when the dependent has been added successfully to the plan.

What should I do if my credit card is declined?

Make sure that your billing information is the same as the one you entered. Please also contact your bank and notify them that you are making a payment to ISO. If you are using an international credit card, your bank may have more restrictions which need your authorization before you can make a payment. Another option would be to use a different credit/debit card to complete the purchase.

How can I get my ID card and how long does it take?

ISO is an eco-friendly company, no physical cards will be distributed unless upon request. You may print your ID card from the PDF you receive following your purchase. The ID card is also available in your online account.

Do I need to provide a proof of visa and other documents when I purchase the plan?

No, ISO does not require members to show any proof or documents when purchasing the plan. We might ask for additional information when processing a pending claim. Please note that any failure in providing valid proof is liable to result in the denial of a claim.

Waiver process
How can I show proof of insurance plan to my school?

Please provide a copy of the email we sent you with your Insurance ID card and confirmation letter to your school as proof of insurance.

When can I complete the waiver for my school?

You should complete the waiver after you have purchased the plan. Please refer to your confirmation letter for all necessary information to complete the waiver.

Can ISO help me to complete the waiver?

Yes, you can email us your request with an attachment of the waiver. The completed waiver will be then faxed to the school directly.

What should I do if I do not know how to fill out my online waiver?

You should contact ISO Customer Service. Please include the waiver questions and/or screenshot of the waiver when you email us.

What is the name of the insurance company? Is it ISO?

No, the name of the insurance company is stated in your confirmation letter or brochure. Please refer to the insurance carrier section on the confirmation letter.

What type of plan do I have?

If you have the "Silver" or "Voyager" plan, the type of the plan is Indemnity. For all other plans, the type of plan is PPO.

How can I check my waiver status?

You should contact your school for the waiver status.

What should I do if my waiver is denied?

Please contact ISO Customer Service and email us the waiver denial proof you received from your school. This document must include a valid reason for denial. We will do our best to assist.

Will ISO send the completed waiver form to both the school and student?

No, we will send the waiver form directly to the school, not to you. You can obtain a copy of the waiver from the school’s office.

How long does it take for ISO to fax the completed waiver form to my school?

We process the waiver request within 1 business day upon your email request. You will receive an email notification when your waiver has been sent.

Finding your in-network doctor/hospital and claim procedure
What are the differences between in-network and out-of-network?

For in-network providers, the rates of services have been negotiated between the doctors and the insurance company. Usually, your medical expenses will be lower at an in-network provider’s office when compared with the doctors that are out-of-network.

Which network is better First Health or MultiPlan?

You can use either networks to locate an in-network doctor or hospital. Neither network is better than the other. It is just to provide members with more options in finding a providers office.

How can I find in-network doctors/hospitals?

ISO uses two leading networks in the U.S. - First Health and Multiplan. Please check the lists of service providers here. If you need assistance navigating the website, click “View Tutorial” or “Watch Video”.

Who should I contact when I am sick or injured?

Please download the form at the View & Print Center. You can send the documents both by mail and email.

How do I verify if a specific doctor or hospital is an in-network provider?

You can contact the provider’s office directly to verify if they are currently participating with either First Health or MultiPlan network. Alternatively, you can call First Health or MultiPlan to verify if the doctor or hospital is in the networks by using doctor's office or hospital’s tax ID number.

How do I make an appointment for my injury or sickness?

If you are sick or injured, you can find an in-network provider here. You should call the providers office to make an appointment. When calling a provider to set an appointment mention that your plan works with First Health or MultiPlan. If the provider needs to verify benefits they may call the claims administrator. The claims administrator information can be found on the back of your medical card. The phone number and address where to mail the claim is listed on your card (you can download a copy of the card from your online account).

If I visit an in-network provider, will my bill be covered at 100%?

When you are visiting in-network, this means you will be receiving the services at a negotiated rate, this does not mean it will be covered at 100%. All claims will be processed according to your plan’s benefit limits.

What should I do when I receive medical bills from the doctor's office?

First, confirm if it is a bill and not an explanation of benefits (EOB), which was sent to you by the insurance company. Then, contact our claims administrator, HealthSmart, and check if there are any pending claims.

Who should I send my claim for to?

You should send the claim for to the claims administrator for your policy. The claims administrator information can be found on the back of your medical card. Once you have verified this information, please proceed to the claims procedures page here to submit all documents.

How can I file a claim?

You can view our Claim Procedures page for more information on how to submit the claim. Please check the back of your medical card to view the claims administrator information for your policy.

Where can I find a claim form? Should I send the documents by mail or email?

You can find the claim form on the Claim Procedures page. You can send the documents either by mail or electronically. You will submit all documents to the claims and benefits department. Please view the back of your medical card for claims administrator information.

Can I submit multiple claims at the same time?

Yes, if it is for the same injury or sickness, you can submit one claim form.

When should I file a claim?

It is recommended to submit the claim form as soon as possible or within 90 days of your initial date of service.

What do I need to submit when filing a claim?

When submitting a claim, please insure that you have the itemized bill. The itemized bill must have the name of the facility, the date of services, patient’s personal information, diagnosis code(s), CPT code(s), tax ID number and total charge of the services.

What should I do if I received medical bills from the provider’s office?

First, confirm if it is a bill and not an explanation of benefits (EOB), which was sent to you by the insurance company. If this is an EOB, you can contact our claims and benefits department for more information. The number to contact is located at the top of the EOB.

What do I need for a prescription claim?

When submitting a claim for prescriptions, be sure to complete the claim form and submit it along with the prescription slip. The prescription slip will contain patient’s personal information, drug name, RX number, date of fill, and the amount paid.

Where can I find the BIN and Group number for pharmacy visits?

You can find the BIN and Group number on the bottom right hand corner on the back of your medical card.

How can I check my claim status?

To check your claim status, you may contact HealthSmart at (800) 203 - 4720 between 8:00 AM and 5 PM EST Monday through Friday or via email: You can also check your claim status online here.

How do I receive the reimbursement after filing a claim?

If your claim has been processed and approved, the reimbursement will be mailed to you in a form of a check.

Where I can find the insurance policy?

You can go to the View & Print Center on to review the brochures or use the “Find Insurance Plan” search engine on the homepage.

Does ISO provide dental or vision coverage?

No, we do not offer routine dental and/or vision coverage, unless the treatment is related to a covered injury.

What is pre-existing condition?

A pre-existing condition is any injury or illness that existed prior to the date your insurance enters into effect. A pre-existing condition includes any injury or illness that you suffered from, received treatment for, and/or were prescribed medication for prior to the date your insurance started.

What does “deductible” mean?

Deductible is the dollar amount of out-of-pocket expense you must pay to the doctor or hospital before your policy pays any benefits. The deductible is calculated annually or per event, not per visit.

What is co-insurance?

The co-insurance is the percent of your bill that the insurance will cover (after you pay the deductible) and it varies from plan to plan. Please refer to your plan brochure for more information.

Will Silver and Voyager plans cover 100% after I pay the deductible?

The insurance will pay for eligible covered medical expenses after the deductible has been satisfied. Benefits will be paid in accordance with the plan maximums, exclusions and limitations listed in the plan brochures. If your bill exceeds the benefit limits of the covered expenses, you will be responsible for the difference. Please view the plan brochure to view benefit information.

If I have a dependent in my account, are the benefits the same? Is there a separate insurance ID card for the dependent?

The dependent will receive the same coverage as the primary insured person under the same policy. We do not issue a separate card for dependents. They can use the same insurance ID card as the policy holder. The confirmation letter, which shows dependent’s name, can be used as proof of coverage.

How do I know if a certain procedure is covered before visiting the provider’s office?

Claims are processed according to your plan’s benefits limit and it is not a guarantee of payments of benefits. However, you may contact the claims administrator for your policy (see back of your ID card) directly for the general coverage questions.

Can I still visit the provider’s office if a specific treatment is not covered on the policy?

Yes, but please note that you will be responsible for the cost of treatment that is not covered by your plan.

General questions
What is the annual service fee?

The annual service fee is valid for one year. You are only charged the service fee again if the new coverage period that you are purchasing will be active after the initial service fee expiration date. We would not be able to waive the service fee. For example, if the service fee expires 12/01/2017 and you have purchased a new plan terminating after 12/01/2017, then you will need to renew the service fee again.

Can I upgrade my plan for more coverage?

Unfortunately, we are unable to change your plan once it is effective.

My plan will terminate soon, how can I extend my coverage dates?

To purchase additional coverage dates, login to your account using your Member ID and password. The Member ID can be found on your confirmation letter or medical card. If you forgot your password, you can reset it here.

Can I pay for my insurance over the phone? Can I use international credit card?

You can make the payment on our website with your credit/debit card, including international cards. However, we do not take payments over the phone.

What rate will I be charged if I am currently 24 years old but will turn 25 soon?

If you purchase a plan with an effective date before your 25th birthday, you will still be charged with the lower rate (under 25 years old).

Where can I see the receipt for my purchase?

The official receipt is provided at the last stage of your purchase. It will not be provided thereafter. Contact ISO for a copy of your receipt.

I did not receive the confirmation email, where can I get it?

Login to your online account to view your confirmation letter, insurance ID card and brochure of the policy. Then click “email me all” or print directly from your account to your local printer. If you did not receive the email, please check your junk or spam folder. Contact ISO Customer Service if you still did not receive your documents.

Why are ISO plans less expensive than my school’s plan?

Assuming the benefits are the same, ISO plans offer coverage to tens of thousands of international students nationwide. The large number of insured allows the insurance company to offer competitive rates compared to individual schools.

What is the ISO's cancellation & refund policy?

We do our best to provide the best products and service. Please refer the "Refund of premium" section in your plan brochure.

What is a Student Health Center? What if my school doesn’t have one?

A student health center is the designated clinic in your university. If your school does not have a student health center, you can find an in-network provider through our two networks of service providers.

Do any of ISO plans meet the insurance requirements for J1 visa, as set by the U.S. Department of State?

Yes, ISO special plans for J visa holders plans meet the U.S. Department of State requirements.

What is the ISO referral program and how does it work?

As an ISO member, you are eligible for a $10 reward for each friend you refer to an ISO health plan (as long as they were not an ISO member before). You are given a special referral link when you enroll which you can send to your friends. When they click on your link before purchasing any plan from ISO, we will keep a record of the people who have been referred by you. You can contact us via phone or email to request for your combined reward check.

Does ISO issue the 1095 tax form?

No, the 1095 form is provided only if you purchased ACA compliant insurance such as from the marketplace ( or if you have insurance from your employer. Since we do not offer ACA compliant insurance plans, we do not provide the 1095 A, B or C.