Plans that meet the requirements of Michigan Technological University
ISO Secure for MTU
$83 per month
-
Annual maximum
Unlimited
The maximum amount insurance pays for covered medical services each policy year. -
Per injury/sickness maximum
$500,000
The maximum amount insurance will pay towards your medical bills each injury or sickness. -
Annual deductible in-network
$250
The amount you pay for covered services rendered at an in-network provider each policy year before the insurance coverage.
-
Annual deductible out-of-network
$500
The amount you pay for covered services rendered at an out-of-network provider each policy year before the insurance coverage. -
Maximum out-of-pocket
$6,350
The maximum you pay for covered services for each policy year when visiting in-network providers. -
Coinsurance in-network
80%
The percentage of splitting the bill between insurance and you when visiting in-network providers. The higher percentage is the amount insurance covers. -
Medical evacuation
Unlimited
The amount insurance will cover for transfer to the nearest hospital or home country in case of an emergency injury or sickness. -
Repatriation of remains
Unlimited
Transporting the remains of an insured person back to their home country. -
Provider network
The PPO network of doctors, clinics, hospitals and related medical service providers who are organized to provide health care at a discounted or negotiated rate.
-
Annual maximum
Unlimited
The maximum amount insurance pays for covered medical services each policy year. -
Per injury/sickness maximum
$500,000
The maximum amount insurance will pay towards your medical bills each injury or sickness. -
Annual deductible in-network
$250
The amount you pay for covered services rendered at an in-network provider each policy year before the insurance coverage. -
Annual deductible out-of-network
$500
The amount you pay for covered services rendered at an out-of-network provider each policy year before the insurance coverage. -
Maximum out-of-pocket
$6,350
The maximum you pay for covered services for each policy year when visiting in-network providers. -
Coinsurance in-network
80%
The percentage of splitting the bill between insurance and you when visiting in-network providers. The higher percentage is the amount insurance covers. -
Medical evacuation
Unlimited
The amount insurance will cover for transfer to the nearest hospital or home country in case of an emergency injury or sickness. -
Repatriation of remains
Unlimited
Transporting the remains of an insured person back to their home country. -
Provider network
The PPO network of doctors, clinics, hospitals and related medical service providers who are organized to provide health care at a discounted or negotiated rate.
Compass PPO for MTU
$59 per month
-
Annual maximum
Unlimited
-
Per injury/sickness maximum
$300,000
-
Annual deductible in-network
$400
-
Annual deductible out-of-network
$750
-
Maximum out-of-pocket
$6,350
-
Copay Student Health Center
$25
-
Provider network
-
Copay primary care physician
$40
-
Copay specialist/urgent care
$50
-
Coinsurance in-network
80%
-
Pre-existing conditions
Covered after 6 months
-
Medical evacuation
$120,000
-
Repatriation of remains
$60,000
-
Annual maximum
Unlimited
-
Per injury/sickness maximum
$300,000
-
Annual deductible in-network
$400
-
Annual deductible out-of-network
$750
-
Maximum out-of-pocket
$6,350
-
Copay Student Health Center
$25
-
Provider network
-
Copay primary care physician
$40
-
Copay specialist/urgent care
$50
-
Coinsurance in-network
80%
-
Pre-existing conditions
Covered after 6 months
-
Medical evacuation
$120,000
-
Repatriation of remains
$60,000
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Why International Students Choose ISO
We understand the unique needs of international students studying in the United States. From navigating a new healthcare system to finding coverage that meets school requirements, students need a partner they can trust. ISO makes the process simple, supportive, and affordable so you can focus on their studies, not insurance.
- Affordable Plans
- Nationwide Aetna PPO Network
- Direct Claims Billing
- U.S. Customer Support
Frequently Asked Questions
Yes! ISO insurance plans are designed to meet Michigan Technological University's waiver criteria for international students. After enrolling in an ISO plan, you can submit a waiver to opt out of the MTU's default health insurance plan
With an ISO plan, you’ll have access to in?network providers through the Aetna PPO network, giving you flexibility to choose care both near campus and nationwide.
Common nearby in?network facilities include:
UP Health System Portage
Aspirus Keweenaw Hospital
You may also choose to visit the MTU Student Health Service (SHS).
In addition to local options, ISO plans give you access to thousands of in?network doctors, hospitals, urgent care centers, and specialists across the United States, making it easy to receive care whether you’re traveling, interning, or visiting another state.
You can search for nearby providers anytime using the Aetna PPO online directory.
Yes, our plans have a minimum enrollment period of 3 months and a maximum enrollment period of 12 months. You can choose to enroll for a shorter duration and then renew your plan.
ISO is the proud insurance provider for over 300 students at Michigan Technological University. Talk with your friends to see if they're enrolled with ISO!
Yes! In the very unlikely event your waiver is denied due to plan benefits, we’ll work with you to try and get it approved. If we can’t help resolve it, you’ll get a full refund—just make sure to reach out within 30 days of your plan’s start date.
After you purchase, you will automatically have access to your insurance ID card, confirmation letter, and payment receipt. This will be emailed to you and will also be available for download through your ISO account.