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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 the Student Affairs Department at studentaffairs@campus.viu.edu or contact Allison Forbes, Director of Student Affairs, 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 studentaffairs@campus.viu.edu or contact Allison Forbes, Director of Student Affairs, 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/
Health Insurance for Non-F1 Students
Why Choose?
Kaiser Permanente offers several locations throughout the DC-metro area.
Contact
To view full benefits, click here: https://individual-family.kaiserpermanente.org/healthinsurance/

iNext plans for Academic: F-Visa

  • 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 for F-VISA Holders

iNext Essential iNext Scholar iNext Scholar Plus
Cost(based on participant age) From $41.40 per month From $122.70 per month From $151.50 per month($250 deductible) or $166.50/month ($0 deductible)
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 $45 per injury/sickness(*if treated at Student Health Cente, otherwise $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)

All plans are available at daily rates. Minimum purchase: 30 days
For more information or to purchase a plan online and receive immediate confirmation of insurance, visit: https://www.inext.com/plans/individual/
For more information contact:
Phone: 1-855-578-6398
Email: info@iNext.com
Website: https://www.inext.com

ISI Company Overview Video

Please review the different ISI insurance options, if you decide to go with one of these options. You can sign-up directly by clicking here.

 Student Secure

Of the tree options under this insurance, it is the most popular option. It is available in four levels depending on your need and budget. This plan works for J1 and F1 visa holders. It can be purchased from 15 days up to one year and can be renewed up to 4 years. This plan also covers maternity, mental health, pre-existing conditions and organized sports.

Here is a helpful video: International Student Health Insurance Overview

Who is eligible for Student Secure Plan?

Students in the USA on a F1 or J1 visa, are automatically eligible for the Student Secure plan.

Some Frequent asked questions:

  1. Q. What is a deductible? A: The deductible is the amount you are required to pay to the doctor or hospital before the insurance company will pay toward your eligible expenses. One the Student Secure plan, it is paid once for every new illness or injury-not per visit. If you become ill or injured and went to the doctor you would pay the deductible, but if you went for a follow-up visit on that same condition you would not need to pay the deductible again since you’ve already paid it fore that condition.
  2. Q. Which doctors or hospitals can I got to? A: You are free to visit any doctor or hospital (known as providers) that you wish to seek treatment from. However, we do suggest you visit these providers as they are typically better placed to treat you:
  3. Q. Will I get an ID card? A: Yes, you will receive an electronic PDF version of your insurance ID card immediately by e-mail, and you can also choose to receive a physical ID card in the mail by selecting the “Email and Regular Mail” option on the application

 

Benefits Smart Budget Select Elite
Certificate Period Month $200,000 $500,000 $600,000 $1,000,000
Maximum Benefit per Injury/Illness $100,00 $250,000 $300,000 $500,000
Deductible $50 per injury or illness within the PPO, otherwise $100 per injury or illness $45 per injury or illness within PPO; otherwise $90 per injury or illness $35 per injury or illness within the PPO; otherwise $75 per injury or illness $25 per injury or illness within the PPO; otherwise, $50 per injury or illness
ER Deductible-Inside the USA Only $350 per injury/illness $350 per injury/illness $200 per injury/illness $100 per injury/illness
Coinsurance-Claims incurred in network inside the U.S. For the certificate period, underwriters will pay 80% of eligible expenses after the deductible to the certificate period maximum For the certificate period, underwriters will pay 80% of the next $25,000 of eligible expenses after the deductible, then 100% to the  certificate period maximum Underwriters will pay 80% of the next $5,000 of eligible expenses after the deductible, then 100% to the  certificate period maximum Underwriters will pay 100% of the eligible expenses after the deductible to the  certificate period maximum
Coinsurance-Claims incurred out of network inside the U.S. URC URC URC URC
Coinsurance Claims incurred outside the U.S. For the certificate period, underwriters will pay 100% of eligible expenses after the deductible up to the certificate period maximum For the certificate period, underwriters will pay 100% of eligible expenses after the deductible up to the certificate period maximum For the certificate period, underwriters will pay 100% of eligible expenses after the deductible up to the certificate period maximum For the certificate period, underwriters will pay 100% of eligible expenses after the deductible up to the certificate period maximum
Hospital Room and Board Average semi-private room rate, including nursing services Average semi-private room rate, including nursing services Average semi-private room rate, including nursing services Average semi-private room rate, including nursing services
“Local Ambulance not subject to coinsurance” Up to $300 per injury/illness if hospitalized as inpatient Up to $500 per injury/illness if hospitalized as inpatient Up to $750 per injury/illness if hospitalized as inpatient Up to $750 per injury/illness if hospitalized as inpatient
Intensive Care Unit Up to Overall Maximum Up to Overall Maximum Up to Overall Maximum Up to Overall Maximum
Outpatient Treatment Up to Overall Maximum Up to Overall Maximum Up to Overall Maximum Up to Overall Maximum
Outpatient Prescription Drugs* 50% of Actual Charge. Those within the USA will automatically be enrolled into the VantageAmerica Drug Discount Program 50% of Actual Charge. Those within the USA will automatically be enrolled into the VantageAmerica Drug Discount Program 50% of Actual Charge. Those within the USA will automatically be enrolled into the VantageAmerica Drug Discount Program 100% coverage for generic/50% coverage for brand. Those within the USA will automatically be enrolled into the VantageAmerica Drug Discount Program
Vaccinations No Coverage No Coverage No Coverage $150 Maximum-applies only to USA inbound coverage
Maternity care for covered pregnancy (subject to the deductible and coinsurance) No Coverage Up to $5,000 Up to $10,000 Up to $25,000
Routine nursery care of newborn-not subject to coinsurance  No coverage $250 maximum per certificate period $750 maximum per certificate period $750 maximum per certificate period
Intercollegiate, nterscholastic, intramural, or club sports No coverage $3,000 maximum per injury/illness medical expenses only $5,000 maximum per injury/illness Medical expenses only. $5,000 maximum per injury/illness Medical expenses only.
Terrorism No coverage $50,000 max lifetime limit $50,000 max lifetime limit $50,000 max lifetime limit
Mental Health Treatment must not be obtained at a Student Health Center Outpatient: $50 maximum per day, $500 maximum per certificate period. Inpatient: usual, reasonable, and customary charged to $5,000 maximum per certificate period Outpatient: $50 maximum per day, $500 maximum per certificate period. Inpatient: Usual, reasonable, and customary  charges to $10,000 maximum per certificate period. Coverage includes drug abuse or alcohol abuse. Outpatient or inpatient: 80% within PPO, 60% out of network. Maximum 30 days of coverage. Coverage includes drug abuse or alcohol abuse. Outpatient or inpatient: 80% within the PPO, 60% out of network. Maximum 30 days of coverage. Coverage includes drug abuse or alcohol abuse.
Dental treatment due to accident $250 maximum per tooth; $500 maximum per certificate period $250 maximum per tooth; $500 maximum per certificate period $250 maximum per tooth; $500 maximum per certificate period $250 maximum per tooth; $500 maximum per certificate period
Dental treatment to alleviate pain-not subject to coinsurance $100 maximum per certificate period $100 maximum per certificate period $100 maximum per certificate period $100 maximum per certificate period
Pre-existing Conditions $25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition only 12-month waiting period. 25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition only 6-month waiting period. 25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition only 6-month waiting period. 25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition only
Therapeutic termination of pregnancy-not subject to coinsurance $500 maximum per certificate period $500 maximum per certificate period $500 maximum per certificate period $500 maximum per certificate period
Outpatient Physical Therapy and Chiropractic Care-not subject to coinsurance Maximum $25 per day Maximum $50 per day Maximum $50 per day Maximum %75 per day
Emergency Medical Evacuation* $50,000 $250,000 $300,000 $500,000
Accidental Death and Dismemberment* No Coverage No Coverage $25,000 principal sum $25,000 principal sum
Repatriation of Remains* $25,000 $25,000 $25,000 $50,000
Personal Liability* No Coverage No Coverage No Coverage $250,000

*URC=Usual, Reasonable, and Customary

For more information please visit:  https://www.internationalstudentinsurance.com/brochures/pdf/student-secure.pdf

Premiums

The premiums below are in $USD and are per month of coverage, for daily rate premiums please visit: InternationalStudentInsurance.com

Coverage including the USA

Age Smart Budget Select Elite
Under 18 $29 $39 $89 $134
18-24 $29 $39 $89 $134
25-30 $59 $75 $187 $272
31-40 $131 $181 $380 $542
41-50 $230 $322 $675 $956
51-64 $311 $433 $910 $1,283
65+ Contact for more information Contact for more information Contact for more information Contact for more information

For more information contact:

Phone: 877-758-4391

International Phone: +1 904-758-4391

Email: info@InternationalStudentInsurance.com

Website: InternationalStudentInsurance.com

Atlas Travel Medical Plan

This plan has no student requirement so dependents can enroll on their own and children under the age of 9 are free for each parent enrolled. This plan covers them for accidents and illnesses, and does not cover maternity.

Here is a short video about International Travel Medical Insurance Overview

Who is eligible for Atlas Travel Medical Plan?

The plan is available to anyone who is traveling outside of their Home Country and are at least 14 days old. This includes international students, study abroad students, ESL students, foreign scholars, dependents living internationally, travelers, chaperones, international business groups, etc.

Benefits Atlas Travel
Policy Maximum $50,000, $100,000, $250,000, $500,000, $1,000,000 and $2,000,000 (Ages 70-79); $50,000,, $100,000 or $250,000 limit, Ages 80+: $10,000 Limit)
Deductible $0, $100, $250, $500, $1,000, $2,500 or $5,500 The deductible is due once per certificate period
ER Co-Pay $200 if not admitted to the hospital as an in-patient. Waived for Emergency treatment of injury. Only applies to claims incurred in U.S.
Urgent Care Co-Pay $25 per visit, the coinsurance will apply. Not subject to the deductible. Only applies to claims incurred in the U.S. Co-payment waived if 40 deductible elected
Coinsurance

-Out of Network inside the USA

Usual, Reasonable, and Customary (URC)
Coinsurance

-In network inside the USA and Outside the USA

100% coverage

The following are all subject to the deductible and coinsurance, unless otherwise stated:

Hospital Room and Board Average Semi-Private Room Rate
Local Ambulance URC when results in hospitalization
Intensive Care Unit Up to Policy Maximum
Outpatient Treatment Up to Policy Maximum
Acute Onset of a Pre-existing Condition Overall Maximum Limit, $25,000 Lifetime

Maximum for Emergency Medical Evacuation

Prescription Medication Up to Policy Maximum-For those members with a US destination, you will be automatically enrolled into the VantageAmerica Drug Discount program-Please see our website for more information
Outpatient Physical Therapy and Chiropractic Care $50 maximum per day. Must be ordered in advance by a physician. Not subject to coinsurance
All other medical expenses Up to Policy Maximum
Terrorism $50,000 limit for medical expenses only

The following benefits are not subject to the deductible or coinsurance, unless otherwise stated:

Hospital Indemnity $100 per day in addition to all benefits
Emergency Dental Accident-Up to Policy Maximum

Acute Onset of Pain-$250 Maximum

Medical Evacuation $1,000,000 limit
Emergency Reunion $100,000 limit, Maximum of 15 days
Bedside Visit $1,500 limit
Return of Minor Children $50,000
Political Evacuation $100,000 limit
Accidental Death and Dismemberment Principal sum -$50,000 (18-69 years old)
Common Carrier Accidental Death $50,000 per member (18-69 years old) Maximum $250,000 for any one family/group
Repatriation of Remains Overall Maximum Limit
Local Burial or Cremation $5,000
Natural Disaster Benefit Maximum $250 per day for 5 days
Trip Interruption $10,000 limit
Travel Delay Maximum $100 a day, max 2 days after 12-hour delay period requiring an unplanned oversight stay
Lost Checked Luggage $500 limit
Pet Return $1,000 to return a pet home if member is hospitalized
Crisis Response $10,000 Maximum benefit per Certificate Period
Personal Liability $10,000 lifetime maximum
Sports Non-contact, leisure, recreational and fitness sports included, along with selected hazardous sports
Emergency Eye Exam Up to $150. $50 deductible per occurrence (plan deductible is waived).-not subject to coinsurance
Border Entry Protection Up to $500 if traveling on a valid B-12 visa and denied entrance at the U.S. border

URC=Usual, Reasonable, and Customary

For more information please visit:  https://www.internationalstudentinsurance.com/brochures/pdf/atlas.pdf

Premiums

The premiums below are per day, in $USD and are based on a $250 deductible

Atlas American Travel Including the USA
Maximum Limit $50,000 $100,000 $250,000 $500,000 $1,000,000 $2,000,000
Age Daily Daily Daily Daily Daily Daily
14d-29 years $1.32 $1.68 $1.90 $2.39 $2.60 $2.65
30-39 $1.79 $2.48 $2.95 $3.15 $3.32 $3.39
40-49 $2.65 $3.32 $3.81 $4.50 $4.92 $5.02
50-59 $3.95 $4.98 $6.29 $7.11 $7.47 $7.61
60-64 $4.61 $6.04 $8.20 $8.91 $9.33 $9.51
65-69 $5.22 $6.68 $9.15 $9.91 $10.37 $10.57
70-79 $7.52 $9.62 $11.02 N/A N/A N/A
80+ $11.97 N/A N/A N/A N/A N/A

For more information contact:

Phone: 877-758-4391
International Phone: +1 904-758-4391
Email: info@InternationalStudentInsurance.com
Website: InternationalStudentInsurance.com

Student Health Advantage Plan

This plan is similar to the Student Health plan, but as long as the student is covered on this plan, they can add their dependents and this plan does cover maternity.

Benefits Standard Platinum
Lifetime Maximum $500,000 (Student)-$100,000 (Dependent) $1,000,000 (Student)- $100,000 (Dependent)
Per Injury/Illness Maximum $300,000 (Student)-$100,000 (Dependent) $500,000 (Student) – $100,000 (Dependent)
Deductible $100 per illness or injury Outside the US & Canada: $25 per illness or injury. Inside the US & Canada: $25 per illness or injury (PPO Network) or $50 per illness or injury (Non-PPO Network)
Emergency Room An additional Deductible of $250 will be applied for ach Emergency Room visit for Treatment of an illness which does not result in a direct hospital admission. An additional Deductible of $250 will be applied for ach Emergency Room visit for Treatment of an illness which does not result in a direct hospital admission.
Student Health Center (VIU currently does not have) $5 co-pay per visit if Treatment received in Student Health Center (not subject to deductible). $5 co-pay per visit if Treatment received in Student Health Center (not subject to deductible).
Coinsurance For treatment received outside the US & Canada, within the PPO Network in the US & Canada, and in the Student Health Center: the plan pays $100% of eligible expenses up to Maximum Limit. Outside of the PPO Network in the US & Canada: The plan plays $80% of eligible expenses up to $5,000, then 100% up to Maximum Limit. For treatment received outside the US & Canada, within the PPO Network in the US & Canada, and in the Student Health Center: the plan pays $100% of eligible expenses up to Maximum Limit. Outside of the PPO Network in the US & Canada: The plan plays $80% of eligible expenses up to $5,000, then 100% up to Maximum Limit.
Hospital Room & Board Average semi-private room rate Average semi-private room rate
Intensive Care Unit (ICU) URC URC
Maternity No Coverage Outside the US: 100% of eligible expenses in the U.S. PPO Network: 80% of eligible expenses in the U.S. out of PPO Network: 60% of eligible expenses.
Routine Newborn Care No Coverage $750 Maximum
Physical Therapy URC-limit once per year. Student Health Center: Not eligible for coverage URC-limit once per year. Student Health Center: Not eligible for coverage
Mental & Nervous Treatment Outpatient Treatment: $50.00 per day; $500 lifetime maximum

Inpatient Treatment: $10,000 Lifetime maximum

Outpatient Treatment: $50.00 per day; $500 lifetime maximum

Inpatient Treatment: $10,000 Lifetime maximum

Local Ambulance $350 per injury/illness (only if admitted inpatient for illness) $750 per injury/illness (only if admitted inpatient for illness)
Prescription Drugs Inpatient: URC Outpatient: 50% of actual charges Inpatient: URC Outpatient: 50% of actual charges
Dental Injury due to covered accident: $500-Student & Unexpected Pain $350 Injury due to covered accident: $500-Student & Unexpected Pain $350
Pre-existing Conditions After 12 months of continuous coverage After 6 months of continuous coverage
Treatment Period 60 days 60 days
Intercollegiate, Interscholastic, Intramural or club $5,000 per injury or illness $5,000 per injury or illness
Incidental Home Country Coverage Up to 14 days
Terrorism Coverage $50,000 Lifetime Maximum $50,000 Lifetime Maximum
Accidental Death & Dismemberment (AD&D) $25,000 Eligible Participant

$10,000 Spouse $5,000 Dependent Child

$25,000 Eligible Participant

$10,000 Spouse $5,000 Dependent Child

Medical Evacuation $500,000 Lifetime Maximum $500,000 Lifetime Maximum
Emergency Reunion $50,000 Lifetime Maximum $50,000 Lifetime Maximum
Return of Mortal Remains $50,000 Lifetime Maximum $50,000 Lifetime Maximum
Political Evacuation and Repatriation $10,000 Lifetime Maximum $10,000 Lifetime Maximum

URC=Usual, Reasonable, and Customary

Premiums

All premium rates are for students, and are expressed monthly in $USD.

Standard Plan Rates

Age USA Outbound USA Inbound
Under 19 $52 $66
19-23 $58 $87
24-30 $76 $101
31-40 $115 $181
41-50 $187 $295
51-64 $249 $394

Platinum Plan Rates

Age USA Outbound USA Inbound
Under 19 $88 $111
19-23 $97 $146
24-30 $128 $169
31-40 $193 $303
41-50 $314 $496
51-64 $417 $662

For more information contact:
Phone: 877-758-4391
International Phone: +1 904-758-4391
Email: info@InternationalStudentInsurance.com
Website: InternationalStudentInsurance.com

Why choose ISO?

  • Competitive student insurance rates
  • Multilingual customer service
  • Fast and easy on-line enrollment
  • Access to two of the largest networks of providers (PPO)
  • For international students, by international students

Silver

Popular ISO student insurance

Who is eligible?

A non-U.S. Citizen, have a current passport or visa and are temporarily residing outside your home country/country of permanent residence, while actively engaging in educational activity and enrolled in classes within 30 days of the plan’s effective date. You are “actively engaged” in educational activity if you are one of the following:

  • F1/MA valid visa holder. F1/M1 visa holder on OPT is not eligible.
  • Undergraduate- registered for and attending classes on a full-time basis
  • Graduate student
  • Scholar or researcher who is invited by an educational organization

Non-U.S. spouse and eligible dependent children are also eligible if accompanying you. For the purpose of this insurance, if your home country is different from your country of permanent residence, you will not be covered in either location. Permanent residents or persons who have applied for permanent   residency are not eligible for coverage under the master policy.

Main Benefits

  • $150,000 per accident/illness
  • $400,000 annual maximum
  • 100% coverage per injury & sickness to daily limits

Benefits Highlights

Lifetime maximum No maximum
Annual maximum $400,000
Per injury/sickness maximum $150,000
Deductible per event SHC/elsewhere $45/$100 per event
Emergency room co-pay $300
Co-insurance in-network 100% up to daily benefit limits
Co-insurance out-of-network 100% up to daily benefit limits
Medical evacuation $60,000
Repatriation of remain $50,000
Pre-existing conditions 6 months waiting period
Age                                                                          Monthly Rates
12-24 $31
25-29 $48
30-64 $95
Dependent $198

For more information please visit: https://api.isoa.org/docs/plans/2019/Silver_2018_2019.pdf

ISO Secure

Premium plan with low deductible

Who is eligible?

A non-U.S. Citizen, have a current passport or visa and are temporarily residing outside your home country/country of permanent residence, while actively engaging in educational activity and enrolled in classes within 30 days of the plan’s effective date. You are “actively engaged” in educational activity if you are one of the following:

  • F1/MA valid visa holder. F1/M1 visa holder on OPT is not eligible.
  • Undergraduate- registered for and attending classes on a full-time basis
  • Graduate student
  • Scholar or researcher who is invited by an educational organization

Non-U.S. spouse and eligible dependent children are also eligible if accompanying you. For the purpose of this insurance, if your home country is different from your country of permanent residence, you will not be covered in either location. Permanent residents or persons who have applied for permanent   residency are not eligible for coverage under the master policy.

Main Benefits

  • $500,000 per accident/illness
  • No annual maximum
  • Low deductible and co-payments

Benefits Highlights

Lifetime maximum No maximum
Annual maximum No annual maximum
Per injury/sickness maximum $500,000
Annual maximum deductible $90 in-network/$400 out-of-network
Co-pay SHC $15
Co-pay urgent care $30
Emergency room co-pay $250
Hospitalization co-pay $250
Co-pay primary care and specialist $30
Co-insurance in-network 80% of first $10,000; 100% thereafter
Co-insurance out-of-network 70% of  Usual & Customary
Medical evacuation Unlimited
Repatriation of remain Unlimited
Pre-existing conditions 6 months waiting period
Age                                                                               Monthly Rates
12-24 $49
25-29 $82
30-64 $195
Dependent $465

For more information please visit: https://api.isoa.org/docs/plans/2019/ISO_Secure_2018_2019.pdf

Compass PPO

Enhanced benefits

Who is eligible?

A non-U.S. Citizen, have a current passport or visa and are temporarily residing outside your home country/country of permanent residence, while actively engaging in educational activity and enrolled in classes within 30 days of the plan’s effective date. You are “actively engaged” in educational activity if you are one of the following:

  • F1/MA valid visa holder. F1/M1 visa holder on OPT is not eligible.
  • Undergraduate- registered for and attending classes on a full-time basis
  • Graduate student
  • Scholar or researcher who is invited by an educational organization

Non-U.S. spouse and eligible dependent children are also eligible if accompanying you. For the purpose of this insurance, if your home country is different from your country of permanent residence, you will not be covered in either location. Permanent residents or persons who have applied for permanent   residency are not eligible for coverage under the master policy.

Main Benefits

  • $250,000 per accident/illness
  • No annual maximum
  • Great balance between price and benefits

Benefits Highlights

Lifetime maximum No maximum
Annual maximum No annual maximum
Per injury/sickness maximum $250,000
Annual maximum deductible $150 in-network/$500 out-of-network
Co-pay SHC $25
Co-pay primary care and specialist $40
Co-pay urgent care $40
Emergency room co-pay $300
Co-insurance in-network 80% of first $20,000; 100% thereafter
Co-insurance out-of-network 70% of  Usual & Customary
Medical evacuation $120,000
Repatriation of remain $60,000
Pre-existing conditions 6 months waiting period
Age                                                                               Monthly Rates
12-24 $39
25-29 $69
30-64 $175
Dependent $355

For more information please visit: https://api.isoa.org/docs/plans/2019/Compass_PPO_2018_2019.pdf

Essential

Budget friendly plan

Who is eligible?

A non-U.S. Citizen, have a current passport or visa and are temporarily residing outside your home country/country of permanent residence, while actively engaging in educational activity and enrolled in classes within 30 days of the plan’s effective date. You are “actively engaged” in educational activity if you are one of the following:

  • F1/MA valid visa holder. F1/M1 visa holder on OPT is not eligible.
  • Undergraduate- registered for and attending classes on a full-time basis
  • Graduate student
  • Scholar or researcher who is invited by an educational organization

Non-U.S. spouse and eligible dependent children are also eligible if accompanying you. For the purpose of this insurance, if your home country is different from your country of permanent residence, you will not be covered in either location. Permanent residents or persons who have applied for permanent   residency are not eligible for coverage under the master policy.

Main Benefits

  • $125,000 per accident/illness
  • No annual maximum
  • $350 annual deductible

Benefits Highlights

Lifetime maximum No maximum
Annual maximum No annual maximum
Per injury/sickness maximum $125,000
Annual maximum deductible $350 in-network/$500 out-of-network
Co-pay SHC $35
Co-pay primary care and specialist $50
Co-pay urgent care $50
Emergency room co-pay $350
Co-insurance in-network 80% of PPO allowance
Co-insurance out-of-network 60% of  Usual & Customary
Medical evacuation $50,000
Repatriation of remain $50,000
Pre-existing conditions 6 months waiting period
Age                                                                               Monthly Rates
12-24 $29
25-29 $48
30-64 $115
Dependent $275

For more information please visit: https://api.isoa.org/docs/plans/2019/Essential_2018_2019.pdf

J1 Exchange

Meets and exceeds the J1 visa requirements

Who is eligible?

A non-U.S. Citizen, have a current passport or visa and are temporarily residing outside your home country/country of permanent residence, while actively engaging in education or research activities

Non-U.S. spouse and eligible dependent children are also eligible if accompanying you. For the purpose of this insurance, if your home country is different from your country of permanent residence, you will not be covered in either location. Permanent residents or persons who have applied for permanent   residency are not eligible for coverage under the master policy.

Main Benefits

  • $125,000 per accident/illness
  • Co-insurance 75%
  • $400 deductible per event

Benefits Highlights

Lifetime maximum No maximum
Annual maximum No annual maximum
Per injury/sickness maximum $125,000
Deductible per event $400 per event
Emergency room co-pay $250
Co-pay hospital $250
Co-insurance in-network 75% of PPO allowance
Co-insurance out-of-network 75% of  Reasonable and Customary charges
Medical evacuation $50,000
Repatriation of remain $25,000
Pre-existing conditions 6 months waiting period
Age                                                                               Monthly Rates
12-64 $39
Spouse $298
Child $96

For more information please visit: https://api.isoa.org/docs/plans/2019/ISO_J_Exchange_Visitors_Plan_2018_2019.pdf

OPTima Basic

Designed especially for F1 OPT students

Who is eligible?

A non-U.S. Citizen, have a current passport or visa, hold a F1/M1 visa, with a valid Employment Authorization Document and are temporarily residing outside your home country/country of permanent residence.

For the purpose of this insurance, if your home country is different from your country of permanent residence, you will not be covered in either location. Permanent residents or persons who have applied for permanent   residency are not eligible for coverage under the master policy.

Main Benefits

  • $300,000 per accident/illness
  • Co-insurance 75% in-network
  • $250 deductible per event

Benefits Highlights

Lifetime maximum No maximum
Annual maximum No annual maximum
Per injury/sickness maximum $300,000
Deductible per event $250 per injury or sickness
Emergency room co-pay $250
Hospitalization co-pay $250
Co-insurance in-network 75% of PPO allowance
Co-insurance out-of-network 65% of  Reasonable and Customary charges
Medical evacuation $60,000
Repatriation of remain $50,000
Pre-existing conditions 12 months waiting period
Age                                                                               Monthly Rates
18-24 $63
25-29 $96
30-64 $136

For more information please visit: https://api.isoa.org/docs/plans/2019/OPTima_2018_2019.pdf

OPTima Enhanced

Designed especially for F1 OPT students

Who is eligible?

A non-U.S. Citizen, have a current passport or visa, hold a F1/M1 visa, with a valid Employment Authorization Document and are temporarily residing outside your home country/country of permanent residence.

For the purpose of this insurance, if your home country is different from your country of permanent residence, you will not be covered in either location. Permanent residents or persons who have applied for permanent   residency are not eligible for coverage under the master policy.

Main Benefits

  • $125,000 per accident/illness
  • Co-insurance 75% in-network
  • $400 deductible per event

Benefits Highlights

Lifetime maximum No maximum
Annual maximum No annual maximum
Per injury/sickness maximum $125,000
Deductible per event $400 per injury or sickness
Emergency room co-pay $250
Hospitalization co-pay $250
Co-insurance in-network 75% of PPO allowance
Co-insurance out-of-network 65% of  Reasonable and Customary charges
Medical evacuation $50,000
Repatriation of remain $25,000
Pre-existing conditions 12 months waiting period
Age                                                                               Monthly Rates
18-24 $39
25-29 $65
30-64 $115

For more information please visit: https://api.isoa.org/docs/plans/2019/OPTima_2018_2019.pdf

For more information contact:

Phone: 800-244-1180
International Phone: +1 212-262-8922
E:mail: customercare@isoa.org
Website: isoa.org

For international student, exchange visitors and dependents
Why choose PSI Health Insurance?

  • Designed to meet all U.S. Federal & State insurance requirements for F and J visas
  • Deductible/Copays are waived at Student Health Centers (VIU currently does not have this as an option)
  • Access to largest network providers in the U.S.
  • Free mobile app access to insurance documents
  • Ask a nurse 24/7 available in all languages
  • U.S. based claims and multi-lingual services
  • Licensed agents in all 50 states

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

  • Full-time University students
  • Special program & ESL students
  • International visiting scholars
  • Spouse and children on dependent visas
  • OPT and CPT students
  • High school students
Benefits PSI Silver PSI Gold
Maximum Benefit $500,000 per injury or sickness $2,000,000 per year
Coinsurance 80% In-network
70% Out of network
80% In-network
70% Out of Network
Preventive Care Services Diagnostic/Lab Tests Only 100% In-Network Only
Pre-Existing Conditions 6 months waiting period $2,500 benefits in the first 6 months
No exclusions after 6 months
Mental Illness Paid as any sickness Paid as any sickness
Substance Abuse Paid as any sickens Paid as any sickness
Prescription Drugs 70% up to $1,000 per year $20/40/60 copay
Maternity Paid as any sickness Paid as any sickness
Evacuation & Repatriation Included Included
AD&D $2,500 $25,000
30-day rate with $500 Deductible $40 $52

If there is a conflict between the policy and this summary, the provisions of the written policy shall prevail when processing claims
How to Sign-up:

  • Go to: www.psiservice.com
  • Click find Insurance Plans
  • Fill out the Online Enrollment Form
  • Select the Recommended Plan
  • Pay Online with a  Credit/Debit Card
  • Print your insurance Documents

For more information contact:
Phone: 703-879-8828; 703-879-8679; 703-879-8923
E:mail: info@psiservice.com
Website: www.psiservice.com

StudentSecure Insurance
Why Choose StudentSecure?

Benefit Limit-Elite Limit-Select Limit-Budget Limit-SMART
Certificate period maximum $500,000 $300,000 $250,000 $200,000
Maximum benefit per injury or illness $500,000 $300,000 $250,000 $100,000
Deductible $25 per injury or illness within the PPO, outside the U.S. or at a student health center; otherwise $50 per injury or illness $25 per injury or illness within the PPO, outside the U.S. or at a student health center; otherwise $50 per injury or illness $45 per injury or illness within the PPO, outside the U.S. or student health center; otherwise $90 per injury or illness $50 per injury or illness within the PPO, outside the U.S. or student health center; otherwise $100 per injury or illness
Coinsurance-claims incurred inside U.S. Underwriters will pay 100% of eligible expenses within the PPO network (80% of eligible expenses outside the PPO network) Underwriters will pay 80% of the next $5,000 of eligible expenses after deductible, then 100% to certificate period maximum Underwriters will pay 80% of the next $25,000 of eligible expenses after deductible, then 100% to certificate period maximum Underwriter will pay 80% of eligible expenses after the deductible
Coinsurance-claims incurred outside of U.S. After the deductible, 100% of eligible expenses to the certificate period maximum After the deductible, 100% of eligible expenses to the certificate period maximum After the deductible, 100% of eligible expenses to the certificate period maximum After the deductible, 100% of eligible expenses to the certificate period maximum
Hospital room & board Average semi-private room rate, including nursing services Average semi-private room rate, including nursing services Average semi-private room rate, including nursing services Average semi-private room rate, including nursing services
Local ambulance Up to $750 per injury/illness if hospitalized as inpatient Up to $750 per injury/illness if hospitalized as inpatient Up to $500 per injury/illness if hospitalized as inpatient Up to $300 per injury/illness if hospitalized as inpatient
Intensive care unit Usual, reasonable, and customary charges Usual, reasonable, and customary charges Usual, reasonable, and customary charges Usual, reasonable, and customary charges
Outpatient treatment Usual, reasonable, and customary charges Usual, reasonable, and customary charges Usual, reasonable, and customary charges Usual, reasonable, and customary charges
Outpatient prescription drugs 80% of actual charge 50% of actual charge 50% of actual charge 50% of actual charge
Mental Health disorders Outpatient or inpatient 80% within the PPO, 60% out of network. Maximum 30 days of coverage

(Coverage includes drug abuse or alcohol abuse. Treatment must not be obtained at a student health center).

Outpatient or inpatient 80% within the PPO, 60% out of network. Maximum 30 days of coverage

(Coverage includes drug abuse or alcohol abuse. Treatment must not be obtained at a student health center).

Outpatient $50 maximum per day, $500 maximum lifetime

Inpatient: Usual, reasonable, and customary charges to $10,000 maximum lifetime

(Coverage includes drug abuse or alcohol abuse. Treatment must not be obtained at a student health center).

Outpatient $50 maximum per day, $500 maximum lifetime

Inpatient: Usual, reasonable, and customary charges to $5,000 maximum lifetime

(Coverage includes drug abuse or alcohol abuse. Treatment must not be obtained at a student health center).

Dental treatment due to accident $250 maximum per tooth; $500 maximum per certificate period $250 maximum per tooth; $500 maximum per certificate period $250 maximum per tooth; $500 maximum per certificate period No coverage
Dental treatment to alleviate pain $100 maximum per certification  period. Not subject to deductible or coinsurance $100 maximum per certification  period. Not subject to deductible or coinsurance $100 maximum per certification  period. Not subject to deductible or coinsurance No coverage
Pre-existing condition 6-month waiting period 6-month waiting period 12-month waiting period $25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition only
Maternity care for a covered pregnancy 80% up to certificate period maximum within the PPO

60% up to certificate period maximum outside the PPO

80% up to certificate period maximum within the PPO

60% up to certificate period maximum outside the PPO

80%up to $5,000 within the PPO;
60% up to $5,000 outside the PPO
No coverage
Routine nursery care of newborn $750 maximum per certificate period $750 maximum per certificate period $250 maximum per certificate period No coverage
Therapeutic termination of pregnancy $500 maximum per certificate period $500 maximum per certificate period $500 maximum per certificate period $500 maximum per certificate period
Physical therapy & chiropractic care Maximum $75 per day Maximum $50 per day Maximum $50 per day Maximum $25 per day
Intercollegiate, interscholastic, intramural or club sports $5,000 maximum per injury/illness; Medical expenses only $5,000 maximum per injury/illness; Medical expenses only $3,000 maximum per injury/illness
Medical expenses only
No coverage
Terrorism $50,000 maximum lifetime limit $50,000 maximum lifetime limit $50,000 maximum lifetime limit No coverage
Emergency medical evacuation
(Not subject to deductible or coinsurance)
Up to the certificate limit Up to the certificate limit Up to the certificate limit $50,000 lifetime
Emergency reunion $5,000 lifetime maximum $5,000 lifetime maximum $1,000 lifetime maximum $1,000 lifetime maximum
Accidental death & dismemberment $25,000 lifetime maximum $25,000 lifetime maximum No coverage No coverage
Repatriation of remains $50,000 maximum (not subject to deductible or coinsurance) $25,000 maximum (not subject to deductible or coinsurance) $25,000 maximum (not subject to deductible or coinsurance) $25,000 maximum (not subject to deductible or coinsurance)
Personal Liability $250,000 lifetime maximum No coverage No coverage No coverage

For more information visit: https://medchoicehealth.com/wp-content/uploads/2017/11/ss_pzbrochure_1.pdf
For more information contact:
Email: infor@medhoicehealth.com
Website: www.medchoicehealth.com/students

Student Health Advantage Standard

For students and scholars

Who is eligible?

To be eligible to apply to the Student Health Advantage plan, you must:

  • Be a full-time student or scholar, the spouse of the full-time student or scholar, or a dependent traveling within the full-time student or scholar.
  • Reside outside the country of resident for the purpose of pursing international educational activities including college course work, research, or teaching for a temporary period of time.
  • Be physical and legally residing in host country with the intent to reside there for at least 30 days on the effective date and at renewal
  • Not be hospitalized, disabled, or HIV+ on the initial effective date

Highlights of Plan:

  • Comprehensive medical insurance for international students or scholars participating in a sponsored study abroad program
  • Coinsurance in PPO network or student health center [VIU does not currently offer this option] within the U.S.: Company pays 100%
  • Deductible of $1000
  • Maximum limit for student: $500,000
  • Provides coverage for mental health, organized sports, and pre-existing conditions

Summary of Benefits of Standard Plan Information

Maximum Limit Student- $500,000

Dependent- $100,000

Maximum Limit per Illness or Injury Student-$300,000

Dependent- $100,000

Deductible $100 per illness or injury

Student Health Center: $5 copay per visit [VIU does not currently offer this option]

Coinsurance Outside of the U.S.: Company pays 100%

In PPO Network or Student Health Center within the U.S. [VIU currently does not offer this option] within the U.S.: Company pays 100%

Out of PPO Network if within the U.S.: Company pays 80% of eligible expenses up to $5,000; then 100% thereafter

Hospital Room and Board Average semi-private room rate, including nursing services
Intensive Care After deductive is met, company pays 80% of expenses out-of-network (US) or 100% in-network (U.S.) and internationally
Emergency Room Injury After deductive is met, company pays 80% of expenses out-of-network (US) or 100% in-network (U.S.) and internationally
Emergency Room Illness without Inpatient Admission After deductive is met, company pays 80% of expenses out-of-network (US) or 100% in-network (U.S.) and internationally; Subject to additional $250 deductible
Mental or Nervous/Substance Abuse Outpatient-$50 per day; $500 maximum limit;

Inpatient: After deductible is met, company pays 80% of expenses out-of-network (U.S. or 100% in-network (U.S. and internationally up to $10,000 maximum limit;

Student Health Center Treatment: $0

Prescription Drugs Inpatient: After deductible is met, company pays 80% of expenses out-of-network (U.S.) or 100% in-network (U.S.) and internationally

Outpatient: 50% of actual charges

90 day dispensing maximum

Physical Therapy (Medical order or treatment plan required) After deducible is met, company pays 80% of expenses out-of-network (U.S) or 100% in-network (U.S.) and internationally; limit one visit per day
Local Ambulance $350 per illness resulting in an inpatient hospitalization or injury
Dental Non-emergency treatment at a dental provider due to an accident- $500 period of coverage limit per injury; Unexpected pain to sound, natural teeth-$350 period of coverage limit
Eligible Medical Expenses After deductible is met, company pays 80% of expenses out-of-network (U.S.) or 100% in-network (U.S.) and internationally
Interfacility Ambulance Transfer

(For services rendered in the U.S.)

Company pays 100%.  Transfer must be a result of an inpatient hospital admission
Emergency Medical Evacuation $500,000 maximum limit
Emergency Reunion $50,000 maximum limit
Return of Mortal Remains $50,000 maximum limit
Political Evacuation and Repatriation $10,000 maximum limit
Intercollegiate/Interscholastic/Intramural or Club Sports $5,000 period of coverage limit per illness or injury
Incidental Trip Coverage Up to a cumulative 14 days (available for non-U.S. residents only)
Pre-existing Conditions Charges excluded until after 12 months of continuous coverage
Terrorism $50,000 maximum limit
AD&D Student-$25,000 principal sum

Spouse-$10,000 principal sum

Dependent Child- $5,000 principal sum

Accidental dismemberment percentage of principal sum

Personality Liability

(Secondary to any other insurance)

$10,000 combined maximum limit

Injury to third person; subject to a $100 per injury deducible

Damage to third person’s property; subject to a $100 per damage deductible

To learn more information please visit: https://www.imglobal.com/docs/library/forms-library/sha-brochure.pdf?sfvrsn=610ce81_16

For more information contact:

Phone Number: 1-866-368-3724

Website: https://www.imglobal.com/international-student-health-insurance

Student Health Advantage Platinum

Students and scholars

Highlights of Plan:

  • Comprehensive medical insurance for international students or scholars participating in a sponsored study abroad program
  • Coinsurance in PPO network or student health center [VIU does not currently offer this option] within the U.S.: Company pays 100%
  • Maximum limit for student $1,000,000
  • Provides coverage for maternity

Summary of Benefits of  Student Health Advantage Platinum

Maximum Limit Student- $100,000,000

Dependent- $100,000

Maximum Limit per Illness or Injury Student-$500,000

Dependent- $100,000

Deductible For treatment received outside of the U.S. $25 per illness or injury

For treatment received within the U.S.: PPO provider: $25 per illness or injury: Non-PPO provider: $50 per illness or injury; Student Health Center [VIU currently does not offer this option] $5 copay per visit

Coinsurance Outside of the U.S.: Company pays 100%

In PPO Network or Student Health Center within the U.S. [VIU currently does not offer this option] within the U.S.: Company pays 100%

Out of PPO Network if within the U.S.: Company pays 80% of eligible expenses up to $5,000; then 100% thereafter

Hospital Room and Board Average semi-private room rate, including nursing services
Intensive Care After deductive is met, company pays 80% of expenses out-of-network (US) or 100% in-network (U.S.) and internationally
Emergency Room Injury After deductive is met, company pays 80% of expenses out-of-network (US) or 100% in-network (U.S.) and internationally
Emergency Room Illness without Inpatient Admission After deductive is met, company pays 80% of expenses out-of-network (US) or 100% in-network (U.S.) and internationally; Subject to additional $250 deductible
Mental or Nervous/Substance Abuse Outpatient-$50 per day; $500 maximum limit;

Inpatient: After deductible is met, company pays 80% of expenses out-of-network (U.S. or 100% in-network (U.S. and internationally up to $10,000 maximum limit;

Student Health Center Treatment: $0

Prescription Drugs Inpatient: After deductible is met, company pays 80% of expenses out-of-network (U.S.) or 100% in-network (U.S.) and internationally

Outpatient: 50% of actual charges

90 day dispensing maximum

Physical Therapy (Medical order or treatment plan required) After deducible is met, company pays 80% of expenses out-of-network (U.S) or 100% in-network (U.S.) and internationally; limit one visit per day
Local Ambulance $750 per illness resulting in an inpatient hospitalization or injury
Dental Non-emergency treatment at a dental provider due to an accident- $500 period of coverage limit per injury; Unexpected pain to sound, natural teeth-$350 period of coverage limit
Eligible Medical Expenses After deductible is met, company pays 80% of expenses out-of-network (U.S.) or 100% in-network (U.S.) and internationally
Interfacility Ambulance Transfer

(For services rendered in the U.S.)

Company pays 100%.  Transfer must be a result of an inpatient hospital admission
Emergency Medical Evacuation $500,000 maximum limit
Emergency Reunion $50,000 maximum limit
Return of Mortal Remains $50,000 maximum limit
Political Evacuation and Repatriation $10,000 maximum limit
Intercollegiate/Interscholastic/Intramural or Club Sports $5,000 period of coverage limit per illness or injury
Incidental Trip Coverage Up to a cumulative 14 days (available for non-U.S. residents only)
Pre-existing Conditions Charges excluded until after 6 months of continuous coverage
Terrorism $50,000 maximum limit
AD&D Student-$25,000 principal sum

Spouse-$10,000 principal sum

Dependent Child- $5,000 principal sum

Accidental dismemberment percentage of principal sum

Personality Liability

(Secondary to any other insurance)

$10,000 combined maximum limit

Injury to third person; subject to a $100 per injury deducible

Damage to third person’s property; subject to a $100 per damage deductible

To learn more information please visit: https://www.imglobal.com/docs/library/forms-library/sha-brochure.pdf?sfvrsn=610ce81_16

For more information contact:
Phone Number: 1-866-368-3724
Website: https://www.imglobal.com/international-student-health-insurance

Term Definition
Annual maximum The total amount the insurance company will pay over the year for all benefits and covered expenses.
Co-insurance The ration (%) of splitting a bill between the insurance company and you. For example 80% for the first $5,000 means the insurance company will pay $4,000 (80%) and you are responsible for the remaining $1,000 (20%).
Co-pay A fee (for example, $30) you pay for a medical service, usually when you get the service. If the co-payment is $30 for a doctor’s visit, you will pay this amount at the doctor’s office.
Deductible The dollar amount of covered expenses you are responsible for to pay the physician or hospital before the policy will pay any benefits. Deductible per event means you are responsible to pay the deductible once for each sickens or accident. If you return to the physician or hospital for the same sickness or accident, you do not have to pay the deductible again. An annual deductible is the amount you must pay for medical services before getting coverage.
Maximum per injury or sickness The total amount payable by the insurance company for covered expenses per injury or sickness.
Medical evacuation Transferring the insured person to the nearest hospital or medical facility in case of emergency, injury, or sickness, or back to his/her home country.
Out-of-Pocket Expenses The combined cost of your deductible, co-pay, and co-insurance for covered services plus all uncovered expenses.
PPO or Preferred Provider Organization A network of doctors, clinics, hospitals, and related medical service providers who are organized under the PPO to provide health care at a discounted or negotiated rate. Getting treatment form a member of this PPO network may provide higher benefits or more savings than using a doctor, clinic or hospital outside of this PPO network.
Pre-existing condition Any injury or illness which you suffered from, or received treatment for, prior to the date your insurance became effective
Reasonable and customary charges The amount normally charged by the provider for similar services and supplies. It should not exceed the amount ordinarily charted by most providers of comparable services and supplies in the locality where the services or supplies are received.
Repatriation Transporting the remains of an insured person back to his home country.

Terms and Definitions provided by isoa.org

Student Dental Insurance Options

Most health insurance options do not cover routine dental visits. Therefore, it is important to also get dental insurance. Please click on the Consumer Affairs Dental Insurance Guide to learn about the different options available.

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