OPT Medical Insurance for Recent Foreign Graduates

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  • Some plans may not allow a dependent to enroll, or the dependent can only enroll if on the same policy as the primary visa holder.
  • Coverage cannot be provided in a persons' home country, as defined by the administrators.
  • Duration after arrival could be beyond the time frame allowed for the purchase of some plans.
  • International health insurance plans are available only to non-US residents.
  • Coverage dates specified may be too long, most plans allow a maximum of 364 days initially.
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  • Not all of the plans are available in all places, or for all ages.

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Insurance Coverage for OPT Participants

  • Not everyone on OPT is eligible for all OPT insurance plans, check here.
  • Coverage can start from the next day onwards or any future date.
  • If insurance from employer is available, OPT holders should prefer to buy that.
  • After graduating, you are no longer eligible for student insurance.

If you had a domestic insurance in the past (such as from your school), look at individual short term insurance instead, as you may not be eligible for plans listed in this section.

OPT Insurance for Recent Foreign Graduates

OPT insurance is a short term health insurance for recent foreign graduates until they can enroll into their employer sponsored health insurance or in other PPACA compliant health insurance. In any case, it is not a substitute for domestic major medical insurance.

What does OPT medical insurance include?

OPT medical insurance may be comprised of various benefits, some of these standard benefits may include:

As medical expenses are very high in the U.S. you should purchase OPT medical insurance until you qualify for a permanent major medical insurance plan that is PPACA compliant.

Don't get caught without OPT medical insurance, get free quotes today!

Why Buy from Insubuy?

Insubuy has been helping insure travelers for more than 20 years.

Insubuy has helped more than 3 million travelers find their perfect insurance.

Insubuy is an award-winning, US-based travel insurance marketplace.

Insubuy has been an innovator in travel and international insurance since 2000.

Insubuy has been helping insure travelers, international students, and expats for over two decades, offering a one-stop-shop insurance marketplace for quick and easy coverage in minutes, all backed by superior customer service.

Our industry-leading website makes it simple to compare plans side by side and ensure you’re getting the best coverage for your needs. And if you ever need assistance, our Plano, Texas-based customer service agents are available to help when you need it.

  • Lowest Price Guarantee – Insurance prices are regulated by law, so you’ll always get the best price.
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Frequently Asked Questions About OPT Health Insurance

  • What is OPT health insurance for F1 students?

    OPT health insurance is medical insurance specifically for international students taking part in Optional Practical Training, or OPT, a program that allows international graduates to remain in the US for up to 36 months in order to gain relevant work experience in their field of study. If you want to know how to apply for OPT, contact your Designated School Official (DSO).

  • What are the key benefits of OPT insurance?

    The key benefits of OPT insurance are its medical coverage. Insurance for OPT students can typically cover new medical conditions that occur after the effective date of the policy. Due to the high price of healthcare in the USA, the best health insurance for OPT students is critically important to have.

  • Is health insurance mandatory for OPT?

    Health insurance for OPT participants is not mandatory. However, it may be the only health insurance OPT students qualify for. Once you graduate, you can no longer be covered by F1 international student insurance, so you will need OPT insurance until you either leave the US or get an H1B visa job with employer-sponsored health benefits.

  • Can F1 students get Obamacare?

    F1 students are not able to purchase PPACA (Obamacare) health insurance. They have the option to either purchase their own international student health insurance, or they may be required to purchase insurance through their school.

  • How much does an OPT health insurance policy cost?

    The cost of OPT health insurance will depend on the specific plan you purchase, the length of coverage, and your personal details. Enter your information in the quote form above to view and compare multiple plans that may meet your needs.

OPT Medical Insurance for Recent Foreign Graduates

Depending on what is most important for you to have covered, there may be a plan better tailored to your needs:

Dental Plans

Most medical plans typically don't include any meaningful dental coverage. While people might have purchased sufficient medical coverage for illness or injuries, they forget to purchase a dental plan, until they need it all of sudden. Fortunately, we have a low cost dental plan that provides an excellent coverage and compliments the medical coverage.

Domestic Short Term Medical Insurance

In addition to the OPT medical insurance plans listed on this web page there are additional short term domestic medical insurance plans which are available to the U.S. citizens as well as U.S. residents. The minimum purchase is for 30 days and the maximum purchase is for 3 months, as per the latest government regulations. Temporary medical insurance plans provide a high medical policy maximum, typically $1 million or $2 million.

Schengen Visa Insurance

Perhaps you are taking a trip to many of the European countries for your honeymoon, just passing through on your way back to your home country, and/or need your H1 visa stamped, whatever your reason you would need to get Schengen visa which requires compliant Schengen visa insurance. We offer several Schengen travel insurance plans that can be purchased instantly and you can immediately print the visa letter and take it to the consulate.

Trip Cancellation Insurance

Now that you started your career and have steady income, it is only natural that you would like to go to take a relaxing vacation. However, if you unexpectedly get sick or injured, or some other major circumstances were to arise where you could not take your trip, what would happen to your non-refundable prepaid trip costs? Trip cancellation insurance can provide the coverage for trip cancellation and trip interruption for covered reasons.

Insurance Guide

Our insurance guide makes it very easy to navigate the complexities of OPT insurance.

Did you know?

Prices are regulated by law.

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

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Why buy 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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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