Plans that meet the requirements of
Montana State University
ISO Secure
$75 per month
- Annual maximum Unlimited
- Per injury/sickness maximum $500,000
- Annual deductible in-network $250
- Annual deductible out-of-network - $400
- Copay Student Health Center - $15
- Copay primary care physician - $30
- Coinsurance in-network - 80%
- Immunization & preventive care - $200
- Medical evacuation - Unlimited
- Repatriation of remains - Unlimited
- Provider network - Aetna PPO
Compass PPO
$49 per month
- Annual maximum Unlimited
- Per injury/sickness maximum $300,000
- Annual deductible in-network $400
- Annual deductible out-of-network - $750
- Copay Student Health Center - $25
- Copay primary care physician - $40
- Copay specialist/urgent care - $50
- Coinsurance in-network - 80%
- Medical evacuation - $120,000
- Repatriation of remains - $60,000
- Provider network - Aetna PPO
Silver
$31 per month
- Annual maximum $400,000
- Per injury/sickness maximum $150,000
- Deductible per event Student Health Center $45
- Deductible per event elsewhere - $100
- Copay emergency room - $350
- Emergency room - 80%
- Coinsurance - 100% up to daily benefit limits
- Pre-existing conditions - Covered after 6 months
- Medical evacuation - $60,000
- Repatriation of remains - $50,000
- Provider network - Aetna PPO
Insurance Designed For Montana State Students
MSU requires international students to maintain approved health coverage. ISO delivers affordable, waiver-friendly plans that meet university requirements and are recommended in Bozeman.
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Frequently Asked Questions for Montana State University
Yes! ISO insurance plans are designed to meet Montana State University’s waiver criteria for international students. After enrolling in an ISO plan, you can submit a waiver to opt out of Montana State’s default health insurance plan.
ISO’s plans are tailored for international students only, offering the essential coverage required by Montana State University at the most affordable rates. While Montana State University’s student plan cost $4,400 in 2025-26, enrolling with ISO saved students up to $4,000 for the school year.
ISO plans include access to the Aetna PPO network, giving you a wide range of providers to choose from in the Bozeman area. You can visit Bozeman Health Deaconess Hospital, Gallatin Valley Clinic, and RightTime Urgent Care Bozeman - all considered in-network with ISO.
Yes, you can! ISO plans offer in-network benefits that extend to services at campus health centers and local clinics near Montana State — just bring your insurance card to your appointments.
Yes — the plans above do provide coverage for J1 students actively attending classes at Montana State University. These plans (Care and Care Elite) are designed to meet and exceed the U.S. Department of State’s insurance requirements for J visa holders.
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.