Plans that meet the requirements of Montana State University
Silver
$33 per month
-
Annual maximum
$400,000
The maximum amount insurance pays for covered medical services each policy year. -
Per injury/sickness maximum
$150,000
The maximum amount insurance will pay towards your medical bills each injury or sickness. -
Deductible per event Student Health Center
$45
The amount you pay for covered services for each injury or sickness at the student health center before the insurance coverage.
-
Deductible per event elsewhere
$100
The amount you pay for covered services outside of the student health center 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. -
Emergency room
80%
A hospital department that treats life-threatening medical conditions. -
Coinsurance
100% up to daily benefit limits
The percentage of splitting the bill between insurance and you. The higher percentage is the amount insurance covers. -
Pre-existing conditions
Covered after 6 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
$400,000
The maximum amount insurance pays for covered medical services each policy year. -
Per injury/sickness maximum
$150,000
The maximum amount insurance will pay towards your medical bills each injury or sickness. -
Deductible per event Student Health Center
$45
The amount you pay for covered services for each injury or sickness at the student health center before the insurance coverage. -
Deductible per event elsewhere
$100
The amount you pay for covered services outside of the student health center 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. -
Emergency room
80%
A hospital department that treats life-threatening medical conditions. -
Coinsurance
100% up to daily benefit limits
The percentage of splitting the bill between insurance and you. The higher percentage is the amount insurance covers. -
Pre-existing conditions
Covered after 6 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.
ISO Secure
$80 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. -
Annual deductible in-network
$250
The amount you pay for covered services rendered at an in-network provider each policy year before the insurance coverage.
-
Annual deductible out-of-network
$500
The amount you pay for covered services rendered at an out-of-network provider each policy year before the insurance coverage. -
Copay Student Health Center
$15
A fixed fee you pay for the coverable medical services each visit. -
Copay primary care physician
$30
A fixed fee you pay for the coverable medical services each visit. -
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. -
Immunization & preventive care
$200
Selected immunization to prevent some illnesses, disease, or other health problems. -
Medical evacuation
Unlimited
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
Unlimited
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. -
Annual deductible in-network
$250
The amount you pay for covered services rendered at an in-network provider each policy year before the insurance coverage. -
Annual deductible out-of-network
$500
The amount you pay for covered services rendered at an out-of-network provider each policy year before the insurance coverage. -
Copay Student Health Center
$15
A fixed fee you pay for the coverable medical services each visit. -
Copay primary care physician
$30
A fixed fee you pay for the coverable medical services each visit. -
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. -
Immunization & preventive care
$200
Selected immunization to prevent some illnesses, disease, or other health problems. -
Medical evacuation
Unlimited
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
Unlimited
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.
Compass PPO
$54 per month
-
Annual maximum
Unlimited
The maximum amount insurance pays for covered medical services each policy year. -
Per injury/sickness maximum
$300,000
The maximum amount insurance will pay towards your medical bills each injury or sickness. -
Annual deductible in-network
$500
The amount you pay for covered services rendered at an in-network provider each policy year before the insurance coverage.
-
Annual deductible out-of-network
$750
The amount you pay for covered services rendered at an out-of-network provider each policy year before the insurance coverage. -
Copay Student Health Center
$25
A fixed fee you pay for the coverable medical services each visit. -
Copay primary care physician
$40
A fixed fee you pay for the coverable medical services each visit. -
Copay specialist/urgent care
$50
A fixed fee you pay for the coverable medical services each visit. -
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. -
Medical evacuation
$120,000
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
$60,000
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
$300,000
The maximum amount insurance will pay towards your medical bills each injury or sickness. -
Annual deductible in-network
$500
The amount you pay for covered services rendered at an in-network provider each policy year before the insurance coverage. -
Annual deductible out-of-network
$750
The amount you pay for covered services rendered at an out-of-network provider each policy year before the insurance coverage. -
Copay Student Health Center
$25
A fixed fee you pay for the coverable medical services each visit. -
Copay primary care physician
$40
A fixed fee you pay for the coverable medical services each visit. -
Copay specialist/urgent care
$50
A fixed fee you pay for the coverable medical services each visit. -
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. -
Medical evacuation
$120,000
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
$60,000
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.
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Why International Students Choose ISO
We understand the unique needs of international students studying in the United States. From navigating a new healthcare system to finding coverage that meets school requirements, students need a partner they can trust. ISO makes the process simple, supportive, and affordable so you can focus on their studies, not insurance.
- Affordable Plans
- Nationwide Aetna PPO Network
- Direct Claims Billing
- U.S. Customer Support
Frequently Asked Questions
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.