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Health Insurance

Health insurance is not mandatory for international students enrolled at Virginia International University (VIU). However, we do highly encourage students to have some type of medical coverage.

Insurance in the United States is not free like it is in some other countries. Going to the doctor can become very expensive if you do not have insurance. For example, an emergency trip to the doctor can cost you, out of your own pocket, as much as $350.00 or more! With health insurance, that same trip to the doctor may cost you $50.00.

If you do not already have health insurance, VIU strongly encourages you to enroll in a health insurance plan. Please see the information below for insurance companies offering a variety of insurance plans to F-1 and J-1 students. Insurance plans are also available below for students who are US citizens. If these insurance companies do not meet your needs, you are encouraged to seek out other options. Please be sure to read all of the policies and procedures related to your health insurance benefits.

If you have any questions, please contact Student Affairs at This email address is being protected from spambots. You need JavaScript enabled to view it. or contact Allison Forbes, Student Affairs Manager, at (703) 591-7042, ext. 367.

STUDENT HEALTH INSURANCE OPTIONS

Please understand that none of the companies listed below are preferred or endorsed by VIU, nor is this a complete list of options available to students. This list is provided as a courtesy to students. If you have questions about any of the options, please contact Student Affairs at This email address is being protected from spambots. You need JavaScript enabled to view it. or contact Allison Forbes, Student Affairs Manager, at (703) 591-7042, ext. 367.

HEALTH INSURANCE FOR NON-F1 STUDENTS

Why Choose?
The different insurance plan categories offer flexibility, so you can choose a health plan that's best for you and your family based on the amount of health care you're likely to need in the coming year.

Contact
To view full benefits, click here: https://www.anthem.com/health-insurance/virginia/health-plans/

Details:

  • 6-12 month insurance plan
  • $150 for 6 months, $25 per month after
  • Unlimited visits to the CareMed facility
  • $0 co-pay
  • Includes x-ray tests
  • Includes basic lab tests

Click here to view Informational form for Caremed.

Click here to download a Caremed plan conctract.

Please note: This insurance plan can only be used at the CareMed facility. Therefore, if you cannot be treated by CareMed and have to go to the hospital, you will have to pay out of pocket which can be very expensive.

iNext plans offer:

  • Quality health insurance at low rates
  • Individual and group enrollment options
  • Immediate confirmation of insurance via e-mail at time of purchase
  • Prompt waiver processing
  • Up to $300,000 – emergency medical evacuations
  • Up to $50,000- repatriation of remains
  • Preventative care options
  • Prescription drug coverage (including contraceptives)
  • Emergency dental care
  • Accidental death and dismemberment
  • Coverage options for pre-existing conditions

Types of International Insurance Plans through iNext:

iNext Essential:
Provides $150,000 per illness/injury up to a $400,000 annual maximum, and up to $7,500 per policy period for maternity. Pre-existing conditions are covered after 180 days.

iNext Scholar:
This offers a higher level of protection against a major covered claim with a $1,000,000 annual medical maximum and no annual deductible. This plan includes coverage for maternity, prescription drugs, as well as preventative car e and annual exams. Pre-existing conditions covered after 180 days.

iNext Scholar Plus:
This is a comprehensive protection featuring an unlimited medical maximum, as well as coverage for maternity, prescription drugs, preventative care, and annual exams. Pre-existing conditions are waived on all policies over 120 days.

Comparison of Plans

iNext Essential iNext Scholar iNext Scholar Plus
Cost From $36 per month From $80 per month From $115 per month
Medical Maximums per occurrence/year $400,000 annual
$150,000 per injury/sickness
$1 million annual maximum Unlimited annual maximum
Co-insurance 100% 100% 80%
Deductible $100 per injury/sickness $0 $0 or $250 in-network $500 out-of-network annual, individual deductible
Pre-existing condition coverage Covered after 180 days Covered after 180 days Waived for all policies over 120 days
Maternity Up to $7,500 per policy period $2,500 per policy period 80% URC (usual reasonable costs)

For more information or to purchase a plan online and receive immediate confirmation of insurance, visit: https://www.inext.com/plans/individual/

STUDENT SECURE

Why choose?
Student Secure provides international students studying in the USA and around the world with worldwide international health insurance. The plan has been specifically designed for international students. The plan will also meet all visa requirements for the USA and Europe, as well as most insurance requirements by schools in the USA.

Other benefits:

  • Students can choose to pay up-front or monthly with a credit card.
  • Coverage is available from 1 month up to 364 days with the option to renew.
  • There is a $5.00 fee added for the monthly rate/monthly payments.

Contact
To view full benefits, click here: http://www.internationalstudentinsurance.com/student-health-insurance/

Phone (toll free): (877) 758-4391
Phone (direct): +1 (904) 758-4391

Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

ATLAS TRAVEL HEALTH

Why Choose?
Coverage is available for both US and non-US citizens who are planning to travel, study, or live abroad with coverage starting at just 5 days and up to 364 days inside the US and 1 year outside the US with renewal possibilities of up to 3 years.

Children are free up to the age of 10 years old with each parent. Maximum of two free children per plan.

Contact
To view full benefits, click here: https://www.internationalstudentinsurance.com/travel-medical-insurance/apply/

Phone (toll free): (877) 758-4391
Phone (direct): +1 (904) 758-4391

Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

INTERNATIONAL MAJOR MEDICAL INSURANCE

Why Choose?
International Major Medical Insurance is available to both US and non-US citizens who are planning to live, study, or work outside of their home countries for at least 1 year or more. The annual major medical insurance plan is designed to provide comprehensive international health insurance coverage for when you are abroad for a length of time.

Contact
To view full benefits, click here: http://www.internationalstudentinsurance.com/major-medical-insurance/

Phone (toll free): (877) 758-4391
Phone (direct): +1 (904) 758-4391

Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

STUDENT HEALTH INSURANCE FOR F1/J1/M1 VISA HOLDERS AND ESL STUDENTS

Why Choose?
This plan offers competitive rates for extensive benefits, student association sponsorships, fast and easy online enrollment, and access to two of the largest networks of providers (PPO).

Contact
To view full benefits, click here: www.isoa.org

Phone: 1 (800) 244-1180

J1 Exchange Insurance Plan Summary of Schedule of Benefits

  J1 Exchange J1 Exchange Superior
Medical benefits per accident/illness $125,000 $300,000
Lifetime medical maximum No lifetime medical maximum No lifetime medical maximum
Deductible per accident/illness $400 $250
Co-insurance in-network 75% of preferred allowance 75% of preferred allowance
Co-insurance out-of-network 75% of usual, reasonable and customary charge 75% of usual, reasonable and customary charge
Outpatient emergency room $250 co-pay (waived if admitted) $250 co-pay (waived if admitted)
Hospitalization $250 co-pay $250 co-pay
Pre-existing conditions Covered after 6 months Covered after 6 months
Medical evaluation $50,000 $60,000
Repatriation of remains $25,000 $50,000
  Monthly Rates  
Age 12-65 $39.00 $58
Dependent $375 $558

Visit www.isoa.org to get this insurance. 1-800-244-1180

Why Choose PSI Health Insurance?

  • Designed to meet all U.S. Federal and State Insurance requirements for F and J visas
  • Access to United Healthcare Network of Doctors and Hospitals; Ranked #1 in the U.S.A.
  • Claims processing provided by UnitedHealthcare
  • Multi-lingual enrollment form and support
  • Ask a nurse 24/7 available in all languages
  • Licensed agents in all 50 states
  • We offer ACA comparable plans
  • A.M. Best Rating of "A"

PSI Health Insurance plans are designed for student with F and J visas:

  • Full-time University students
  • Spouses and children on dependent visas
  • OPT and CPT students
  • Special Programs and ESL students
  • International visiting scholars
Benefits Gold Platinum Diamond
No lifetime benefit limits X X X
Maximum Benefit $1,000,000 per year Unlimited Unlimited
Coinsurance 80% In-network
70% out of Network
80% In-network
70% out of Network
80% In-network
70% out of Network
Preventive Care Services 100% In-Network 100% In-Network 100% In-Network
Pre-Existing Conditions $2,500 in first 6 months No waiting period No waiting period
Out of Pocket max per person N/A $5,000 $6,350
Prescription drugs $20/40/60 copay 70% of U&C Charges 70% of U&C Charges
Mental illness treatment Paid as any Sickness Paid as any Sickness Paid as any Sickness
Substance Abuse Paid as any Sickness Paid as any Sickness Paid as any Sickness
Maternity Benefits Paid as any Sickness Paid as any Sickness Paid as any Sickness
Evacuation & Repatriation 100% Provided by UnitedHealthcare Global 100% Provided by UnitedHealthcare Global 100% Provided by UnitedHealthcare Global
Accidental death benefit $25,000 $15,000 $15,000
30-day rate with $0 Deductible start at $53.70 $76.50 $153.90
30-day rate with $500 Deductible start at $44.70 $58.50 $130.50

How to Sign-up:

  • Go to www.psiservice.com
  • Select Virginia International University
  • Select the insurance plan of your choice
  • Pay online with a credit card
  • Print your insurance documents

If you have any questions contact PSI: This email address is being protected from spambots. You need JavaScript enabled to view it. 703-879-8828

STUDENT EXPRESS

Why Choose?
This coverage is available for students between the ages of 12 and 64 years of age who are temporarily residing outside of their home countries. To be covered, the student must be engaged in full-time education or research activities outside his or her home country. Educational or research activities include educational, vocational, cultural exchange, or training programs. Non-US citizens must have a valid J1, H3, F1, M1, or Q1 Visa.

Coverage can be purchased for 5 to 364 days.

Contact
To view full benefits, click here: https://purchase.sevencorners.com/
policygroup/HW7CDYK/HW7KRWH

LIAISON STUDENT

Why Choose?
This coverage is available for students between the ages of 12 and 64 years of age who are temporarily residing outside of their home countries. To be covered, the student must be engaged in full-time education or research activities outside his or her home country. Educational or research activities include educational, vocational, cultural exchange, or training programs. Non-US citizens must have a valid J1, H3, F1, M1, or Q1 Visa. A person may also purchase coverage for his/her spouse or dependents, provided he/she is covered on the plan.
Coverage can be purchased for 5 to 364 days.

Contact
To view full benefits, click here: https://purchase.sevencorners.com/
policygroup/HW7CDYP/HW7KRWH/

LIAISON MAJESTIC

Why Choose?
This insurance may cover the individual as well as his/her legal spouse and unmarried dependent children over 14 days old and under 19 years old. All applicants must be traveling outside of their home countries.

Coverage can be purchased for 5 to 364 days.

Contact
To view full benefits, click here: https://www.sevencorners.com/
insurance/liaisonmajestic/HW85ZC8