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OPT Insurance
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.
| COVID-19 | Included |
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.
US Urgent care/Walk-in Clinic: $15 copay unless $0 deductible.
Direct Billing: Through United Healthcare PPO Network 
| COVID-19 | Included |
Elite: After deductible, pays 100% to policy maximum.
Select: After deductible, pays 80% to $5,000, then 100% to policy maximum.
Budget: After deductible, pays 80% to $25,000, then 100% to policy maximum.
Smart: After deductible, pays 80% to policy maximum.
Elite: Student Health Center: $25 per injury or illness.
Select: Student Health Center: $35 per injury or illness.
Budget: Student Health Center: $45 per injury or illness.
Smart: Student Health Center: $50 per injury or illness.
Direct Billing: Through United Healthcare PPO Network
| COVID-19 | Included |
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.
Student Health Center: To policy maximum.
Direct Billing: Through United Healthcare PPO Network
| COVID-19 | Excluded |
Deductible waived within PPO network, pays 100% to policy maximum.
Outside PPO network: After deductible, pays 80% to $5,000, then 100% to policy maximum.
US Urgent Care: $30 copay unless $0 deductible. One Wellness Visit.
Direct Billing: Through First Health PPO Network 
Acute onset of pre-existing conditions
Sudden and unexpected recurrence of pre-existing condition coverage: $1,000
| COVID-19 | Included |
Deductible waived within PPO network, pays 100% to policy maximum.
Outside PPO network: After deductible, pays 80% to $5,000, then 100% to policy maximum.
US Urgent Care: $30 copay unless $0 deductible. One Wellness Visit.
Direct Billing: Through First Health PPO Network
Acute onset of pre-existing conditions
to policy max ($25,000 for cardiac or stroke) for ages <70; $35,000 ($15,000 for cardiac or stroke) for ages 70-89
| COVID-19 | Included |
After deductible, pays 100% to policy maximum.
Outside PPO network: After deductible, pays 80% to $5,000, then 100% to policy maximum.
US Urgent care: $25 copay unless $0 deductible.
Walk-in Clinic: $15 copay unless $0 deductible.
Direct Billing: Through United Healthcare PPO Network
Acute onset of pre-existing conditions
coverage to policy max for ages <70
| COVID-19 | Excluded |
After deductible, pays 100% to policy maximum.
Outside PPO Network: After deductible, pays 80% to $5,000, then 100% to policy maximum.
US Urgent care: $25 copay unless $0 deductible.
Walk-in Clinic: $15 copay unless $0 deductible.
Direct Billing: Through United Healthcare PPO Network
| COVID-19 | Included |
After deductible, pays 100% to policy maximum.
Outside PPO Network: After deductible, pays 90% to $5,000, then 100% to policy maximum.
US-Urgent Care: Deductible waived, $25 copay; unless $0 deductible.
US-Walk-in Clinic: Deductible Waived, $15 copay; unless $0 deductible.
Direct Billing: Through United Healthcare PPO Network
Acute onset of pre-existing conditions
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
| COVID-19 | Excluded |
After deductible, pays 100% to policy maximum.
Direct Billing: Through First Health PPO Network
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Schengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
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You don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
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Most schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
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