OPT Health Insurance for F-1 Graduates
OPTima Enhanced
$79 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. -
Deductible per event
$250
The amount you pay for covered services for each injury or sickness before the insurance coverage.
-
Copay emergency room
$350
A fixed fee you pay for the coverable medical services each visit. -
Coinsurance in-network
75%
The percentage of splitting the bill between insurance and you when visiting in-network providers. The higher percentage is the amount insurance covers. -
Pre-existing conditions
Covered after 12 months
Any injury or illness that you suffered from, received treatment for, and/or were prescribed medication for prior to the date your insurance started. -
Medical evacuation
$60,000
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
$50,000
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. -
Deductible per event
$250
The amount you pay for covered services for each injury or sickness before the insurance coverage. -
Copay emergency room
$350
A fixed fee you pay for the coverable medical services each visit. -
Coinsurance in-network
75%
The percentage of splitting the bill between insurance and you when visiting in-network providers. The higher percentage is the amount insurance covers. -
Pre-existing conditions
Covered after 12 months
Any injury or illness that you suffered from, received treatment for, and/or were prescribed medication for prior to the date your insurance started. -
Medical evacuation
$60,000
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
$50,000
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.
OPTima Basic
$39 per month
-
Annual maximum
Unlimited
The maximum amount insurance pays for covered medical services each policy year. -
Per injury/sickness maximum
$125,000
The maximum amount insurance will pay towards your medical bills each injury or sickness. -
Deductible per event
$400
The amount you pay for covered services for each injury or sickness before the insurance coverage.
-
Copay emergency room
$350
A fixed fee you pay for the coverable medical services each visit. -
Coinsurance in-network
75%
The percentage of splitting the bill between insurance and you when visiting in-network providers. The higher percentage is the amount insurance covers. -
Pre-existing conditions
Covered after 12 months
Any injury or illness that you suffered from, received treatment for, and/or were prescribed medication for prior to the date your insurance started. -
Medical evacuation
$50,000
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
$25,000
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
$125,000
The maximum amount insurance will pay towards your medical bills each injury or sickness. -
Deductible per event
$400
The amount you pay for covered services for each injury or sickness before the insurance coverage. -
Copay emergency room
$350
A fixed fee you pay for the coverable medical services each visit. -
Coinsurance in-network
75%
The percentage of splitting the bill between insurance and you when visiting in-network providers. The higher percentage is the amount insurance covers. -
Pre-existing conditions
Covered after 12 months
Any injury or illness that you suffered from, received treatment for, and/or were prescribed medication for prior to the date your insurance started. -
Medical evacuation
$50,000
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
$25,000
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.
Not sure how to choose a plan? Click here >
ISO Dedicated OPT Insurance
After graduation, F-1 visa holders entering the Optional Practical Training (OPT) period are no longer covered by university-sponsored health insurance. ISO's OPTima plans are designed to offer affordable, flexible health insurance for post-completion F-1 OPT and STEM OPT visa holders across the United States.
Our comprehensive coverage includes doctor visits, urgent care, hospitalization, and prescription drugs, so you're fully protected whether you're job searching, employed, or between jobs. You can enroll as soon as you apply for your EAD card and get OPT insurance before or during your employment.
Why OPT Graduates Choose ISO
Graduating is exciting. Losing your health insurance isn't. Tens of thousands of F-1 OPT and STEM OPT graduates across the U.S. choose ISO to stay covered when university insurance ends and during their OPT period. With over 65 years serving international students, we understand what you need and we make it simple to get it.
- Affordable Plans
- Nationwide Aetna PPO Network
- Direct Claims Billing
- U.S. Customer Support
Any Questions?
We are Here to Help
Though there is no federal mandate for those on F1 OPT to be enrolled, it is always highly encouraged due to the high costs of medical services in the United States. Accidents happen – and being uninsured for even one day in the US puts you at risk of potentially thousands of dollars of debt. If you won’t receive coverage from your school or employer, ISO’s OPTima plan options can help keep you covered during your full OPT period across the US. Review our plan links above.
Optional Practical Training (OPT) is the period where international students on an F1/M1 visa can work legally in the United States after their graduation. After applying and being verified, a student can be granted up to 12 months of employment authorization (24 months available for those in STEM programs.
Yes. Our OPTima plans are designed to provide flexible health insurance coverage for F1 OPT international students. You can enroll from minimum 1 month or up to 12 months, making it an ideal option after graduation before your employer-sponsored health insurance to start.
You can apply for F1 OPT beginning from 90 days before your academic program ends, and until 60 days after your academic program ends. Your school should provide a lot of help in the process but it’s best to stay on top of this and submit your application as soon as possible, as there can be delays in the wait time for application approval.
ISO is the leading provider of health plans for international students and visa holders in the USA. Since 1958, ISO prides itself on being a pioneer in serving international students with health insurance. We have provided our services to the growing US international student community, including over:
- 1,000,000 international students
- 6,700 universities, colleges, and schools nationwide
- 200 countries and territories of origin
- $100 million in paid claims.
Our employees are US based former international students and OPT participants that understand your health insurance needs and concerns.
Yes. ISO OPTima plans offer comprehensive nationwide health insurance coverage for F1 OPT students. You can access providers in all 50 states, including doctors, specialists, hospitals, and urgent care clinics. Whether you move for a new job, internship, or travel within the U.S., your coverage remains consistent.
F-1 visa holders who have graduated and are on post-completion OPT or STEM OPT are eligible. You can enroll even before your employment begins.
Yes, ISO OPT plans are available for both standard OPT and STEM OPT extension periods.
No. You can enroll as soon as you apply for your EAD card, even if you haven’t started working yet.
Yes. Coverage is available regardless of employment status during OPT.
Yes. These plans are specifically designed for graduates who are no longer covered by university insurance.
Yes. Coverage is available regardless of employment status during OPT.
Yes. ISO plans use the Aetna PPO network.
You can visit the Aetna PPO network website to find a provider. You can also visit our provider page to search nearby in-network providers.
Yes. ISO offers phone and email support for all plan holders, including OPT participants. Our agents are US based and are happy to assist with any issue.