Waive and save $1,800!

Plans that meet the requirements of Carnegie Mellon University

  • Annual maximum

    Unlimited

    The maximum amount insurance pays for covered medical services each policy year.
  • Annual deductible

    $1,250

    The amount you pay for covered services each policy year before the insurance coverage.
  • 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.
  • Maximum out-of-pocket

    $6,350

    The maximum you pay for covered services for each policy year when visiting in-network providers. 
  • Copay Student Health Center

    $0

    A fixed fee you pay for the coverable medical services each visit.
  • Pre-existing conditions

    Covered

    Any injury or illness that you suffered from, received treatment for, and/or were prescribed medication for prior to the date your insurance started.
  • Preventive care

    100% in-network

    Routine health care that includes check-ups and immunizations to prevent illnesses, disease, or other health problems.
  • Medical evacuation

    $100,000

    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

    Aetna PPO

    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.
  • Annual deductible

    $1,250

    The amount you pay for covered services each policy year before the insurance coverage.
  • 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.
  • Maximum out-of-pocket

    $6,350

    The maximum you pay for covered services for each policy year when visiting in-network providers. 
  • Copay Student Health Center

    $0

    A fixed fee you pay for the coverable medical services each visit.
  • Pre-existing conditions

    Covered

    Any injury or illness that you suffered from, received treatment for, and/or were prescribed medication for prior to the date your insurance started.
  • Preventive care

    100% in-network

    Routine health care that includes check-ups and immunizations to prevent illnesses, disease, or other health problems.
  • Medical evacuation

    $100,000

    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

    Aetna PPO

    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.
  • Annual deductible

    $500

    The amount you pay for covered services each policy year before the insurance coverage.
  • 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.
  • Maximum out-of-pocket

    $6,350

    The maximum you pay for covered services for each policy year when visiting in-network providers. 
  • Copay Student Health Center

    $0

    A fixed fee you pay for the coverable medical services each visit.
  • Pre-existing conditions

    Covered

    Any injury or illness that you suffered from, received treatment for, and/or were prescribed medication for prior to the date your insurance started.
  • Preventive care

    100% in-network

    Routine health care that includes check-ups and immunizations to prevent illnesses, disease, or other health problems.
  • Medical evacuation

    $100,000

    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

    Aetna PPO

    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.
  • Annual deductible

    $500

    The amount you pay for covered services each policy year before the insurance coverage.
  • 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.
  • Maximum out-of-pocket

    $6,350

    The maximum you pay for covered services for each policy year when visiting in-network providers. 
  • Copay Student Health Center

    $0

    A fixed fee you pay for the coverable medical services each visit.
  • Pre-existing conditions

    Covered

    Any injury or illness that you suffered from, received treatment for, and/or were prescribed medication for prior to the date your insurance started.
  • Preventive care

    100% in-network

    Routine health care that includes check-ups and immunizations to prevent illnesses, disease, or other health problems.
  • Medical evacuation

    $100,000

    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

    Aetna PPO

    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 >

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Affordable Insurance Designed for CMU Students

Get enrolled in 5 minutes or less with the leading insurance provider for international students across the U.S. ISO plans are pre-approved and designed to meet and exceed the requirements at Carnegie Mellon – waiver approval is guaranteed!

Enroll with ISO to enjoy:

  • Instant insurance documents
  • Waiver assistance
  • Access to 1M+ doctors across the U.S. – including in Pittsburgh
  • $1,900+ in savings compared to your school plan

Join over 400+ students at Carnegie Mellon University who have saved with ISO and ENROLL TODAY!

Frequently Asked Questions

Yes! ISO insurance plans are designed to meet CMU's waiver criteria for international students. After enrolling in an ISO plan, you can submit a waiver to opt out of Carnegie Mellon's default health insurance plan

ISO's Share, Care and Care Elite for CMU plans cover expenses related to treatment for injuries/sicknesses – including doctor visits, urgent care, hospitalization, and prescription drugs - as well as enhanced benefits for preventive services and pre-existing conditions.

ISO’s plans are tailored for international students only, offering the essential coverage required by CMU at most affordable rates. While Carnegie Mellon's student plan costs over $2,800 annually, enrolling with ISO can save you an average of over $1,800.

ISO plans include access to the Aetna PPO network, giving you a wide range of providers to choose from in the Pittsburgh area. You can visit UPMC Presbyterian, AHN Allegheny General Hospital, and iHealth Clinic - all considered in-network with ISO.

ISO is the proud insurance provider for over 300 students at Carnegie Mellon. Talk with your friends to see if they're enrolled with ISO!

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.

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