Chadwick School

Though there are no federal mandates to purchase health insurance, it is highly recommended to stay insured for the full duration of your studies abroad. The U.S. healthcare system is known for being very expensive and accidents can happen at any time. ISO makes it easy to enroll the plan with comprehensive coverage at the most affordable rate.

It depends on the plan you choose, but the key details are easy to understand once you know what to look for:
Deductible: what you pay first before your plan provides coverage
Copay: a fixed amount you pay for certain services, like doctor visits
Coinsurance: the percentage of costs your plan pays after the deductible In most cases, the coinsurance shows how much your plan covers.
If you have questions about a specific situation, feel free to contact us for help.

Enrolling in an ISO plan is done completely online. You can click on “Buy Now” next to your desired plan above and begin the enrollment process. No additional documentation is required while enrolling. Enrolling is super simple and takes less than 5 minutes.

ISO offers a range of plans at different price points, giving you the flexibility to choose the coverage that best fits your needs and budget. Generally, plans with higher monthly premiums come with lower out-of-pocket costs when you receive care.
Not sure which option is right for you? Check out our guide to help you choose the best plan with confidence or contact us for support.

ISO plans cover doctor visits, hospitalization, emergency care, prescription medications, mental health services, and more. Coverage varies by plan, but all options are designed to provide comprehensive protection for international students.

ISO specializes in international student insurance, which allows us to build plans that are focused around providing the essential benefits international students need. Our team is made up of current/former international students and we understand that every dollar counts during your studies abroad, so our number priority is always to save you money and make it easier to navigate your journey through the U.S.

ISO plans work with the Aetna PPO network, which provides you access to millions of doctors and medical facilities nationwide. You can visit our Find Doctors & Hospitals page to access Aetna’s website and generate a list of providers in your area.

When visiting a doctor, all you need to do is show your ISO insurance ID card to the provider to initiate the claims process. The provider will typically be able to submit a claim on your behalf without charging you in full at the time of visit, meaning you don’t need to submit a claim for reimbursement. Claims will generally take 2-3 weeks to process and you can keep up with claims status at any time through an online claims portal.

Yes, ISO offers dedicated customer support with a multilingual team available to help you answer any question you have related to our insurance products. Reach out to us via email, phone, Whatsapp, or our other social media profiles and you’ll receive an answer within one business day – guaranteed.