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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.
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Comprehensive Coverage Plans
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 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
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Certificate Wording
Direct Billing: Through First Health and PHCS PPO Network
Paper Application
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Country Restrictions
Renewable and Refundable
Instant ID card
Covers anywhere outside home country
From HCC Medical Insurance Services (HCCMIS) / Lloyds
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Eligible to purchase as long as on OPT
Not available in NY
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After deductible, pays 90% to $5,000, then 100% to policy max
How Plan Works
Outstanding Restrictions
Details:
Brochure
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Optional Coverages
Direct Billing: Through First Health PPO Network
Paper Application
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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
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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
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After deductible, pays 80% to $5,000 per incident,
then 100% to policy max per incident
How Plan Works
Outstanding Restrictions
Details:
Brochure
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FAQ
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Certificate Wording
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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
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15 days to 1 year coverage
Policy maximum per incident
Not available in ID, WA
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After deductible, pays 90% to $5,000, then 100% to policy max
How Plan Works
Outstanding Restrictions
Details:
Brochure
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Optional Coverages
Direct Billing: Through First Health PPO Network
Paper Application
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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
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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
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