Important Information About COVID-19

ISO Customer Care | May 27, 2020

Frequently Asked Questions:

Coverage, Symptoms, Testing, Treatment, and How to Handle Stress

Do ISO plans cover treatment for COVID-19?

All ISO plans provide coverage for sickness and injuries, including COVID-19. Any treatments that are medically necessary, meaning when you are sick or have COVID-19 symptoms, are eligible for coverage, according to your plan benefits.

For information about your insurance plan, as well as the specifics of your coverage, you can refer to your policy’s brochure, pages 3-6.

Do ISO plans cover testing for COVID-19?

For COVID-19’s related pre-tests that are medically necessary, they will be covered as any other sickness according to your plan benefits. However, any non-medically necessary testing without any symptoms is not covered under the plan.

Please note testing done for travel or school requirement, as well as antibody testing are not considered covered under our plans. We suggest you check the state website if there are locations that perform free testing as part of the state program.

What are the symptoms of COVID-19?

The symptoms for COVID-19 as well as their intensity vary case by case. This means, if you have COVID-19, you may have very mild to no symptoms, or show many symptoms like a severe illness. Symptoms may appear 2-14 days after exposure to the virus. The three main symptoms listed by the CDC include cough, shortness of breath, and fever.

As more information has come out about coronavirus, additional symptoms have become known. At the end of May, the CDC listed as potential symptoms muscle pains throughout the body, sore throat, headache, fatigue, nausea or vomiting, diarrhea and/or loss of smell or taste.

If you are experiencing any of these symptoms, call a doctor for professional recommendation and so they can determine if you need a COVID-19 test. If your symptoms are extreme – such as constant chest pain or pressure, inability to stay awake, bluish face or lips, confusion or severe trouble breathing, then call 911 and seek emergency medical care.

Should I be tested?

If you are showing symptoms of COVID-19, call a doctor for a professional recommendation, so they can determine if you need to get tested. With a doctor’s recommendation, you will be instructed on where to be tested and protocols to follow.

If you are showing symptoms, regardless of being tested or not, it is important to be cautious and try to not spread it to others as best as you can. Stay home, isolate from others, drink fluids, and rest.

Where can I get tested?

Testing for COVID-19 can be done in clinics, doctor offices, or at testing sites that have been set up by hospitals and other health facilities. If your doctor has recommended you for a test, they will also notify you where to go.

ISO recommends visiting an in-network urgent care or your Primary Care Physician following the next steps:

  • ISO works with the PPO networks First Health, MultiPlan or Cigna. These networks work with providers across the U.S. to provide discounted rates in comparison to out-of-network providers. If you are looking to find an in-network provider, you can do so by clicking here.
  • You can utilize either website listed on this page to generate a list of providers in your area. If you need additional help, there are tutorials and videos on this page as well to assist you navigate the First Health, MultiPlan or Cigna websites, according to your plan
  • If you do go in for a COVID-19 test or receive treatment for COVID-19, make sure to have the PDF of your insurance ID card available when you arrive. Show this to the appropriate person in the office and let them know ISO works with First Health/MultiPlan or Cigna networks. They may not recognize ISO insurance so it is important you bring your insurance ID so there are no issues or complications about getting your medical services done.

Do I need an appointment for the testing?

Some providers allow you to get tested without an appointment. This depends on each provider. You can call directly to the provider or check their website to have more information.

Is there a treatment for COVID-19?

There currently is no vaccine nor treatment for COVID-19. If you are hospitalized with coronavirus, there are things that doctors and nurses can do to assist with your breathing and make you as comfortable as they can while your body fights the virus.

If you tested positive:

  • Follow your doctor’s recommendations. If you are able to stay home, what is most important to fight any virus is to rest and stay hydrated. Self-isolate as best you can so you do not spread it to others.
  • Be sure to monitor your symptoms – if they worsen call your doctor.
  • If they worsen in an extreme manner, call 911 for immediate medical care.
  • If you are hospitalized with coronavirus, there are things that doctors and nurses can do to assist with your breathing and make you as comfortable as they can while your body fights the virus.

How can I best cope with stress during this time?

This is a very stressful time. There are still many unknowns about the virus and how long this will last. Even if you have tested negative for COVID-19, you may still be worrying about getting sick. If you have tested positive for COVID-19, it can be extremely stressful, as there is no known treatment. You may also be stressed or worried about your loved ones and friends during this time.

All members with ISO have free and unlimited access to CareConnect, a service that connects you with certified counselors, available 24/7. These counselors will provide in-the-moment support, as well as a plan for next steps to best take care of you. It is important to take care of yourself; do not hesitate to reach out. To get connected, call 1-888-857-5462, any day and at any time.


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About ISO Student Health Insurance

ISO Student Health Insurance (ISO), founded in 1958 and headquartered in New York City, is an insurance brokerage specializing in health insurance solutions for international students. As such, ISO acts as plan administrator, broker and manager of the high-quality insurance products available for international students, scholars and their dependents during their course of study in the U.S.

For more information, please visit and connect with us on Facebook, Instagram, WeChat, Weibo, Twitter and LinkedIn.

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