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

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.

Do I need to wait until I receive my EAD card to purchase your OPT insurance?

No, you do not need to wait until you receive your EAD card or wait until your EAD card to be effective. You are eligible to both OPTima Basic Plan and OPTima Enhanced Plan if you filed the OPT application.

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. If you are a permanent resident or have applied for permanent residency, you are not eligible to ISO Plans.

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

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

What plans can dependents with F2/J2 visas get?

Dependents on F2 or J2 visas can enroll with the F1/J1 visa holder's plan as a dependent. If the dependent is 7 years old or older, they also have the option to purchase their own plan, the Voyager plan. This option is usually more affordable, but fewer benefits are offered.

If I am on F1 CPT, am I eligible to ISO Plans?

Yes, if you hold a valid I-20 and considered a full time student, you are eligible to ISO's student plans. Just input your personal information on the homepage to find the plans offered for your school.

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

Yes, you can purchase either the J1 Exchange Plan or J1 Exchange Superior Plan. 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.

What is covered under the plans?

ISO plans cover sicknesses and injuries. 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, SISCO Benefits.

If I visit an in-network provider, is my bill 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 department, SISCO Benefits to check if there are any pending claims.

Who should I send my claim form to?

You should send the claim form to SISCO Benefits at ISOservice@siscobenefits.com or upload online - click on My claims section in your ISO account.

How can I file a claim?

You can view our Claims Process here: www.isoa.org/claims-process

Who is SISCO Benefits?

SISCO Benefits is ISO's claims and benefits department that process claims for ISO members. You can contact SISCO Benefits to check claims process, eligibility, plan coverage and other claim-related questions. SISCO Benefits's office hours are Monday to Thursday 8am – 8pm EST and Friday 8am – 6pm EST at (833) 577-2586.

Can I submit multiple claims at the same time?

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 ensure 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 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 your personal information, the drug name, RX number, date of fill, and the amount paid.

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

The BIN and Group number can be found on the front of your insurance ID card.

How can I check claim status?

To check your claim status, you may contact SISCO Benefits at (833) 577-2586 between 8 AM and 6 PM EST Monday through Friday or via email: ISOservice@siscobenefits.com . You can also check your claim status online by clicking on My claims section in your ISO account.

How can 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 to the address of file.

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.

How do I know if my visit 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. Exact coverage is determined once the claims are processed. You may contact SISCO Benefits directly for the general coverage questions.

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

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

How can I show proof of my 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.

Can I submit the waiver before purchasing insurance?

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

Can ISO help me to complete the waiver form?

You can access your completed waiver form by logging into your account on our website. You can then download the waiver form and submit it to your school. If you do not see your waiver form in your account, please email us the waiver form and we will assist you in completing it.

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, ISO is an insurance manager. 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.

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.

How can I check my waiver status?

You should contact your school for the waiver status.

What is the difference 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 compared to doctors that are out-of-network.

Frequently Asked Questions | ISO Health Insurance for International Students

If you are having trouble understanding specific insurance terminology, please refer to our blog post at www.isoa.org/insurance-terminology-that-all-international-students-should-know

All student plans, as well as the Voyager plan, can become effective as early as the day after you complete the online enrollment and payment for your plan. Otherwise, you can manually select a start date in the future. Our OPTima plans only will begin 4 days from your date of enrollment. For example, if you enroll and purchase an OPT plan on the 10th of the month, your coverage will begin as early as the 14th of that month.

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, your insurance ID card and your plan’s brochure instantly.

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.

No, we do not offer a monthly payment option. For most of our plans, you can select minimum enrollment of 3 months and pay every 3 months. We do offer one month option for OPT plans.

You may pay by debit or credit card or by an international card. We also accept payment using ACH payment or by check or money order.

Make sure the billing information you have entered is correct. 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 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.

Yes, a confirmation email will be sent to you automatically after you have successfully submitted your payment. The confirmation email will have several attachments: Insurance ID card, Confirmation Letter, and your policy brochure. You can also download these documents directly from your ISO account. If you did not receive this email, please check your junk or spam folder as well.

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

The annual service fee is a mandatory fee applied to all plan enrollments and is valid for one year. You are only charged the service fee again if the new coverage period that you are purchasing is active after the initial service fee expiration date. We are not able to waive the service fee.

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

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.

You can download the receipt on your ISO Account.

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

Yes, ISO offers special plans for J1 visa holders that meet the U.S. Department of State requirements, the J1 Exchange plan and the J1 Exchange Superior plan.

You can receive a $10 referral reward for each friend that enrolls with ISO for the first time. You will find your unique referral link on your ISO account. There is no limit to the number of friends you can refer! You can redeem the reward as credit towards your next insurance enrollment. Learn more here: https://www.isoa.org/referearn

We do not issue the 1095 A, B or C form. We also do not issue the 1099 HC form.

ISO insurance is by far the most popular insurance for international students. More than 1 million students, from over 2500 schools and 200+ countries and territories, have purchased insurance from ISO in recent years. Our reputation has been established due to our dedicated customer service team and affordable health insurance options.

ISO insures many more international students than your college or university, every year. Therefore, we are able to offer more affordable rates to our clients. We will always offer comparable coverage to your school’s insurance, at a lower rate.

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