Medical insurance for foreign graduates on an F1 visa.

OPT insurance plans are useful to those who are on a student visa but have already began 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 prior insurance in the U.S. was an 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 insurance or long term insurance.

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    ExchangeGuard®

    Underwriter: Lloyd's

    Coverage Availability 5 Days to 4 Years

    Overview

    After deductible, pays 100% to policy maximum, or
    After deductible, pays 80% to policy maximum.
    Outside PPO Network: After deductible, pays Usual, Reasonable, and Customary to policy maximum.

    Direct Billing

    • $15 copay, unless $0 deductible
    • $15 copay, unless $0 deductible
    • To policy maximum
    • Included

    StudentSecure®

    Underwriter: Lloyd's

    Coverage Availability 1 Month to 4 Years

    Overview

    Within PPO network:
    Elite: After copayments, plan pays 80% up to $10,000, then 100% up to the policy maximum.
    Select: After copayments, plan pays 80% up to $25,000, then 100% up to the policy maximum.
    Budget: After copayments, plan pays 80% up to $45,000, then 100% up to the policy maximum.
    Smart: After copayments, plan pays 80% up to $100,000, then 100% up to the policy maximum.

    Direct Billing

    • $30, $50, $75, or $100 copay. $60, $100, $150, or $200 copay outside PPO.
    • $10 or $25 copay
    • Included

    Study USA - HealthCare

    Underwriter: Lloyd's

    Coverage Availability 30 Days to 1,456 Days

    Overview

    Standard: After deductible, pays 80% to policy maximum.
    Preferred: After deductible, pays 80% to $25,000, then 100% to policy maximum.
    Platinum: After deductible, pays 85% to $10,000, then 100% to policy maximum.

    Direct Billing

    • 100% of one routine physical exam per member
    • Included

    Safe Travels USA Cost Saver

    Underwriter: Crum & Forster SPC

    Coverage Availability 5 Days to 364 Days

    Overview

    After deductible, pays 80% to $5,000, then 100% to policy maximum.

    Direct Billing

    Acute onset of pre-existing conditions

    Sudden and unexpected recurrence of pre-existing condition coverage

    Sudden and unexpected recurrence of pre-existing condition coverage: $1,000 Learn More $1,000 Learn More

    Safe Travels USA Comprehensive

    Underwriter: Crum & Forster SPC

    Coverage Availability 5 Days to 364 Days

    Overview

    After deductible, pays 100% to policy maximum.

    Direct Billing

    Acute onset of pre-existing conditions

    to policy max ($25,000 for cardiac or stroke) for ages <70

    To policy max ($25,000 for cardiac or stroke) for ages <70 Learn More to policy max ($25,000 for cardiac or stroke) for ages <70 Learn More

    Patriot America Plus®

    Underwriter: SiriusPoint Specialty Insurance Corporation

    Coverage Availability 5 Days to 2 Years

    Overview

    After deductible, pays 100% to policy maximum.
    Outside PPO network: After deductible, pays 80% to $5,000, then 100% to policy maximum.

    Direct Billing

    Acute onset of pre-existing conditions

    coverage to policy max for ages <70

    Coverage to policy max for ages <70 Learn More coverage to policy max for ages <70 Learn More
    • $25 copay, unless $0 deductible
    • $15 copay, unless $0 deductible
    • To policy maximum
    • Included

    Patriot America® Lite

    Underwriter: SiriusPoint Specialty Insurance Corporation

    Coverage Availability 5 Days to 2 Years

    Overview

    After deductible, pays 100% to policy maximum.
    Outside PPO Network: After deductible, pays 80% to $5,000, then 100% to policy maximum.

    Direct Billing

    • $25 copay, unless $0 deductible
    • $15 copay, unless $0 deductible
    • Excluded

    Patriot America Platinum®

    Underwriter: SiriusPoint Specialty Insurance Corporation

    Coverage Availability 5 Days to 3 Years

    Overview

    After deductible, pays 100% to policy maximum.
    Outside PPO Network: After deductible, pays 90% to $5,000, then 100% to policy maximum.

    Direct Billing

    Acute onset of pre-existing conditions

    US Citizens

    US Citizens: Maximum of $1,000,000 for up to age 64 with Primary Health Plan; $20,000 without. Ages 65-69: $2,500 maximum. Non-US Citizens: For ages < 70, up to $1,000,000 Learn More For ages < 70, up to $1,000,000 Learn More
    • $25 copay, unless $0 deductible
    • $15 copay, unless $0 deductible
    • Included

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    Did you know?

    Prices are regulated by law.

    You cannot find a lower price anywhere for the same product.

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    Why purchase insurance from Insubuy®?

    Same Price. Better Service.®

    There are many advantages in purchasing from Insubuy® and no disadvantages.

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    Visiting USA?

    Healthcare costs are very high in the U.S.

    Buy U.S. based visitors insurance and enjoy your trip.

    Learn More

    Traveling abroad?

    Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

    Purchase travel medical insurance that includes emergency medical evacuation.

    Learn More

    New immigrant to USA?

    You are not eligible to enroll in Medicare for the first 5 years.

    Purchase new immigrant medical insurance to bridge the gap.

    Learn More

    Going on a vacation?

    You could lose your non-refundable trip costs if you had to cancel your trip.

    Buy a trip cancellation insurance package plan and be worry-free.

    Learn More

    Are you an exchange visitor to USA?

    The U.S. Department of State requires all J visa holders to purchase compliant insurance.

    Buy J visa medical insurance to meet your requirements.

    Learn More

    Traveling to Europe?

    Schengen countries require most non-US citizens to purchase Schengen visa insurance.

    Make an instant purchase online and get instant visa letter.

    Learn More

    Traveling frequently throughout the year?

    You don't need to purchase travel insurance for every trip.

    Purchase annual multi trip travel insurance for your travels.

    Learn More

    International student in the U.S.?

    Most schools require international students to purchase health insurance.

    Purchase international student health insurance that meets most school requirements.

    Learn More