What Does An International Student Health Insurance Plan Cover?


ISO Customer Care | Mar 18, 2022 Insurance

If you’re reading this, odds are you just chose to enroll in the most affordable health insurance option for international students, ISO. We thank you for teaming with us!

We hope that you were able to review your plan details prior to purchasing but understand there still may be some confusion about what exactly your insurance will cover for. This blog is designed to help answer those questions.

Your ISO plan is built primarily to provide coverage for medical services that are intended to treat injuries and sicknesses. Your plan will cover almost all medically necessary services related to treating an injury and sickness (beyond a few exclusions which will be listed in your plan brochure).

With this, ISO will provide coverage for a majority of medical services, both major and minor. If you have an injury/sickness, you can expect to be covered for doctor’s visits, urgent care, lab testing, MRIs/X-rays, ER care, etc.

The exact amount that will be covered is according to the plan details in your brochure. You should review your plan’s deductible, copay, and coinsurance and become familiar with the meaning of these terms so you can expect to know what to pay if you need to use your plan into the future.

If you’re reading this as a prospective member, ISO offers a variety of health insurances – plans for F1, J1 scholars, F1 OPT, H1B and non-U.S. citizens who are seeking visitor health insurance plans.

Your insurance plan with ISO is designed with two factors in mind depending on your status, your school’s requirements and/or the federal government insurance requirements for your visa status. All plans meet and exceed the visa requirements of the U.S. Department.

For students, the plans we offer on our website are designed to meet each school’s waiver requirements so whether you attend a university, community college, high school or ESL institute, you can choose the plan(s) that ISO offers and rest assured knowing your insurance can’t go wrong.

It’s strongly recommended that you go over your plan brochure and understand the plan benefits and limitations from a holistic view. Depending on which plan you’re enrolled in, you may have unique benefits that are included to help meet your school’s requirements, such as for wellness/preventive coverage.

All ISO plans include coverage for medical evacuation/repatriation, mental health services, and provide access to millions of doctors across the U.S. If you need further assistance on comprehending insurance benefits, finding doctors & hospitals, or filing a claim, feel free to check the resourceful ISO website and make the most out of it.

ISO is here for you every step of your journey in the U.S. and we’re happy to assist you if needed!

Related articles


Intro To U.S. Healthcare Video Presentation

Jonathan Perez | Jul 09, 2024 Insurance

Using health care in the United States can be an intimidating ordeal for new visitors. Get an overview of common practices and systems in the United States, as well as how to use insurance for your visits.


Health Insurance Waiver

Minho Lee | Jun 20, 2024 Insurance

Navigating the U.S. healthcare system can be costly, but a health insurance waiver can help international students save significantly by choosing an affordable alternative.


Five Reasons to Avoid the Emergency Room in the U.S.

Ed Zaleck | Jun 12, 2024 Insurance

One of the most common confusions international students have in the U.S. is determining when to go to the emergency room. Find out why it's best to avoid going there.

About ISO Student Health Insurance

Founded in 1958, ISO prides itself on being the leader in providing international students with affordable insurance plans. Administered by former and current international students, we are able to assist our member with multilingual customer service in Chinese, Hindi, Spanish, and more. ISO serves over 3,200 schools/colleges and more than 150,000 insured students every year.

For more information, please visit www.isoa.org and connect with us on Facebook, Instagram, WeChat, WhatsApp, and LinkedIn.

You chose for subject:
"Find doctors, clinics or hospitals".

Why not try looking for answers on our
Find Doctors & Hospitals