Plans that meet the requirements of University of Alabama Tuscaloosa
ISO Care Elite for University of Alabama
$149 per month
-
Annual maximum
Unlimited
-
Annual deductible in-network
$100
-
Coinsurance in-network
90%
-
Maximum out-of-pocket
$6,350
-
Copay Student Health Center
$0
-
Pre-existing conditions
Covered
-
Preventive care
100% in-network
-
Medical evacuation
$100,000
-
Repatriation of remains
$50,000
-
Provider network
-
Annual maximum
Unlimited
-
Annual deductible in-network
$100
-
Coinsurance in-network
90%
-
Maximum out-of-pocket
$6,350
-
Copay Student Health Center
$0
-
Pre-existing conditions
Covered
-
Preventive care
100% in-network
-
Medical evacuation
$100,000
-
Repatriation of remains
$50,000
-
Provider network
ISO Care for University of Alabama
$92 per month
-
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
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
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 offers health insurance plans that meet the University of Alabama, Tuscaloosa’s waiver requirements for international students, including those on F-1 and J-1 visas.
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 purchasing your ISO plan, head to AHP Care26 and complete the waiver form. Enter your insurance details and upload clear photos of the front and back of your insurance card.
Make sure you submit your waiver EACH semester before the waiver deadline (generally on or before the last day to register or add a class) - Please note that you must complete the waiver process every semester, regardless of whether you submitted proof of insurance in previous terms.
You can find step-by-step instructions on the AHP Care26 website (PS: Skip to page 15) : https://myahpcare.com/wp-content/uploads/Care26-Student-User-Guide-2.pdf
ISO’s plans are tailored for international students only, offering the essential coverage required by theUniversity of Alabama, Tuscaloosa at the most affordable rates. While the student plan costs over $2,700 annually, enrolling with ISO can save you up to $1,500 a year.
Yes! With an ISO plan, you can receive in-network benefits when visiting your school’s Student Health Center.
In addition, you’ll have access to a wide range of doctors and specialists through the Aetna PPO network. This gives you the flexibility to see in-network providers not only near your campus, but anywhere across the United States.
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.