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Compare OPT Medical Insurance View All OPT Medical Insurance Plans Current Clients
OPT Medical Insurance  
Overview   Glossary
OPT health insurance plans are useful to those who are on student visa but have already working under the Optional Practical Training program. Eligibility requirements for the plans listed below vary from plan to plan. In general, you are eligible for most of the OPT health insurance plans listed below only if earlier had international health insurance plan. In most cases, if you had a domestic health insurance such as through from your school, you should instead look under the individual insurance section, either short term or long term insurance.

Comprehensive Coverage Plans Comprehensive Coverage Plans
Plan Details Comments
Student Secure Insurance

Buy Student Secure Insurance
 After deductible, pays 80% or 100%, then 100% to policy max
   Coinsurance and out of pocket maximum depends upon plan (Select/Budget)
   or within U.S. or outside U.S.

 Details:   Brochure   |   Certificate Wording

 Direct Billing: Through First Health and PHCS PPO Network

 Paper Application   |   Country Restrictions

 Renewable and Refundable

 Instant ID card

 Covers anywhere outside home country

 From HCC Medical Insurance Services (HCCMIS) / Lloyds
Eligible to purchase as long as on OPT

Not available in NY
Patriot America Insurance

Buy Patriot America Insurance
 After deductible, pays 90% to $5,000, then 100% to policy max
   How Plan Works    Outstanding Restrictions

 Details:   Brochure   |   Optional Coverages

 Direct Billing: Through First Health PPO Network

 Paper Application   |   Country Restrictions

 Renewable (for min. 5 days, min. 3 months initially) and Refundable

 Instant ID card and visa letter    Reviews

 Covers anywhere outside country of citizenship including during travel

 From International Medical Group (IMG) / Sirius International
Not eligible to purchase if student had domestic insurance in the past

Eligible to purchase if student had international insurance that didn't expire more than 60 days ago

Not available MD
Visit USA Insurance

Buy Visit USA Insurance
 After deductible, pays 80% to $5,000 per incident,
   then 100% to policy max per incident

   How Plan Works    Outstanding Restrictions

 Details:   Brochure   |   FAQ   |   Certificate Wording   |   Optional Coverages

 Direct Billing: Through MultiPlan PPO Network

 Paper Application

 Not Renewable. Not Refundable

 Covers in the USA only. Incidental travel coverage for Canada,
   Mexico, U.S. territories for max 14 days

 From Travel Insurance Services / Insurance Company of State of PA
15 days to 1 year coverage

Policy maximum per incident

Not available in ID, WA
Patriot Go Travel America Insurance

Buy Patriot Go Travel America Insurance
 After deductible, pays 90% to $5,000, then 100% to policy max
   How Plan Works    Outstanding Restrictions

 Details:   Brochure   |   Optional Coverages

 Direct Billing: Through First Health PPO Network

 Paper Application   |   Country Restrictions

 Renewable (for min. 5 days, min. 3 months initially) and Refundable

 Instant ID card and visa letter

 Covers anywhere outside country of citizenship including during travel

 From International Medical Group (IMG) / Sirius International
Not eligible to purchase if student had domestic insurance in the past

Eligible to purchase if student had international insurance that didn't expire more than 60 days ago

Same as Patriot America for medical coverage but lacks emergency medical evacuation, repatriation of remains, loss of checked luggage

Not available MD