Plans that meet the requirements of University of Montana
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.
Platinum
$87 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
$300
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
$400
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
$300
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
$400
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.
Gold
$56 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
$1,000
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
$50
A fixed fee you pay for the coverable medical services each visit. -
Copay specialist/urgent care
$60
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
$1,000
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
$50
A fixed fee you pay for the coverable medical services each visit. -
Copay specialist/urgent care
$60
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 the University of Montana’s health insurance requirements to serve as alternative to the school-sponsored health plan for international students. After enrolling in an ISO plan, you can submit a waiver or proof of alternate coverage to satisfy the University’s insurance policy requirement.
ISO’s plans are tailored for international students only, offering the essential coverage required by the University of Montana at the most affordable rates. While the University of Montana’s student health insurance plan through AcademicBlue/SHIP costs approximately $2,192 per semester (or $4,384+ annually if enrolled both fall and spring), enrolling with ISO can save you an average of over $1,700.
ISO plans include access to the Aetna PPO network, giving you a wide range of providers to choose from in the Missoula area. You can visit St. Patrick Hospital, Missoula Community Medical Center, and MedFirst Urgent Care Missoula — all considered in-network with ISO.
Yes, you can! ISO plans offer in-network benefits that extend your school's student health center. Feel free to visit and submit a claim for any services you have rendered - they will be covered according to your plan benefits.
The U.S. healthcare system is very expensive - even routine doctor visits and tests can cost hundreds of dollars. Having health insurance helps protect international students from high medical costs while studying in the U.S.
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.