Plans that meet the requirements of
Lawrence Technological 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 LTU Students
Lawrence Tech requires international students to maintain qualifying coverage. ISO offers affordable, waiver-approved plans that meet university requirements and are recommended by peers.
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Frequently Asked Questions for Lawrence Technological University
Yes! ISO insurance plans are designed to meet LTU’s waiver criteria for international students. After enrolling in an ISO plan, you can submit a waiver to opt out of the LTU-required student health insurance — as long as your policy meets the minimum requirements and is submitted before the deadline.
ISO plans include access to the Aetna PPO network, giving you a wide range of providers to choose from in the Southfield/Detroit area. You can visit Beaumont Hospital-Royal Oak, Henry Ford Hospital, and MedExpress Urgent Care — 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 Lawrence Tech — just bring your insurance card to your appointments.
After enrolling in an ISO plan, log in to your LTU student portal or contact the International Student Office, complete the waiver form with your ISO policy details, upload your documents, and submit before LTU’s waiver deadline for review.
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.