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.

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 the Student Affairs Department at studentaffairs@campus.viu.edu.

Anthem Blue Cross Blue Shield

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/

Kaiser Permanente

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

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

International Student Insurance

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:

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.
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:
- First Health Provider Network-The First Health Network will accept the Student insurance plan. You can search providers at: https://www.internationalstudentinsurance.com/network
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

ISO Student Health Insurance

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?

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

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?

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

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?

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

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

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?

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

PSI International Student & Scholar Health Insurance

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

HCC Medical Insurance Services

StudentSecure Insurance
Why Choose StudentSecure?

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

IMG

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

For 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

For 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

NOW Health International

Eligibility:

For individuals, families, and groups of all nationalities who need a worldwide medical cover.

Plan Highlights:

Annual limit up to $4,500,000
Covers organ transplant
Covers cancer treatment
Covers pregnancy and childbirth medical conditions
Covers evacuation and repatriation
Covers day-patient or out-patient surgery
Covers maintenance of chronic medical conditions

Optional Benefits:

Routine maternity care
USA elective treatment
Routine and complex dental treatment
Flexible deductible options and hospital restrictions to reduce premium

Best Suitable for:

Now health International is perfect for expats, global citizens, international students, SME’s and corporations.

SimpleCare Plans offer affordable international health insurance for those cost-conscious customers that do not want to compromise on quality. SimpleCare is designed to offer vital health protection and access to world-class medical facilities, and with an affordable price tags.

To learn more about these plans, please visit: https://www.now-health.com/en/simplecare/#IndividualandFamilies

WorldCare Plans is designed to be comprehensive and benefit rich, with different levels of cover to suit various lifestyles. Providing easy access to world-class health facilities worldwide, WorldCare provides their globally mobile members with peace of mind that they can access the best care at home and oversees.

To learn more about these plans, please visit: https://www.now-health.com/en/worldcare/#IndividualandFamilies

Compare Plans: Please visit: https://www.now-health.com/en/compare-health-insurance-plans/

For more information visit: https://www.now-health.com/en/#WorldCare

Clements WorldWide

Why choose GlobalCare, international health insurance?

Comprehensive coverage
Emergency medical evacuation
Truly global coverage
Choose your own doctors
Add your family
Optional benefits

Benefits	GlobalCare	GlobalCare Pro
Eligibility	All expats up to age 74	Government, AID & Development, Consultants, etc.
Underwriter	Lloyds of London	Lloyds of London
Medial Underwriting	Required at the time of application	Waived
Max. Benefit	$5M per lifetime	$5M per lifetime
Area of Coverage	Optional	Worldwide
Pre-existing conditions	Limited (18 months treatment free)	Limited (18 months treatment free)
In-Patient/Out-Patient
Deductibles	$250 to $5,000	$250 -$5,000
Co-insurance	$0	$0
Hospitalization	Covered at 100%	Covered at 100%
Hospital Indemnity	Not covered	$50 per night (10 nights max)
Local Ambulance	Covered up to $5k	Covered up to 5K
Intensive Care Unit	Covered at 100%	Covered at 100%
Surgery	Covered at 100%	Covered at 100%
Organ Transplant	Covered up to $500k	Covered up to $500k
Diagnostic Tests	Covered at 100%	Covered at 100%
Key Services
Prescription Drugs	$10 co-play Generic/$20 co-pay Brand name	$10 co-play Generic/ $20 co-pay Brand name
Physician Office Visit	Covered at 100%	Covered at 100%
Home Nursing Care	Covered at 80% (90 visit max)	Covered at 80% (90 visit max)
Mental Illness	Covered up to $20k	Covered up to $20k
Chiropractic Care	Covered up to 80% ($1000 max	Covered up to 80% ($1000 max
Rehab/Physical Therapy	Covered at 80%	Covered at 80%
Preventative Care
Routine Health Exam	Covered up to $400	Covered up to $600
Mammogram/Pap Smear	Included in limit above	Included in limit above
Vaccinations	Included in limit above	Included in limit above
Vision	Covered ($150 exam/$100 corrective lens)	Covered ($150 exam/$100 corrective lens)
Hearing	Covered ($150 exam/$100 hearing aid)	Covered ($150 exam/$100 hearing aid)
Maternity
Pregnancy & Birth	Covered after 18 months (limits apply)	Covered after 12 months (limits apply)
Newborn Care	Covered at 100% (up to 6 exams)	Covered at 100% (up to 6 exams)
Dental
Emergency Dental	Covered at 100% ($2000 limit)	Covered at 100% ($2000 limit)
Standard Dental	Optional (up to $1500)	Covered up to $1500
Added Benefits
Medical Evaluation	Covered up to $250k	Covered up to $250k
War & Terrorism	Optional	Covered at 100%
Accidental Death	Optional	$200k included for Primary (optional for Spouse)
Supplemental Accident	Excluded	Covered up to $300
Acupuncture/Chinese Med.	Excluded	Covered up to $150

*Please note that this is a summary of benefits, please refer to the Certificate of Insurance for full coverage details. Benefits above are based on overage overseas and In-network within the U.S. Benefits are subject to the deductible and/or co-insurance unless otherwise noted, figures in USD.

For more information, please visit: https://www.clements.com/intl-health

Phone: +1.202.872.0060

+1.800.872.0067

Insurance Directory

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.

Student Dental Insurance Options

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