What Does An International Student Health Insurance Plan Cover?

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!