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OPT Medical Insurance for Recent Foreign Graduates
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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:
Emergency Medical Expenses
OPT medical insurance will generally provide coverage for new illnesses, accidents or injuries that occur after the effective date of the policy. OPT insurance would not cover pre-existing conditions, wellness checkups, maternity or birth control. The cost of healthcare is extremely high in the U.S., that is why we recommend a higher policy maximum.
PPO Network
Most OPT insurance plans are PPO plans which have a wide network of doctors and hospitals all across the United States. PPO networks allow you to see any provider you choose, but participating providers can bill the insurance company directly, and would charge you only the network negotiated fees.
Learn MoreAcute Onset of Pre-Existing Conditions
Some OPT insurance plans provide coverage for unexpected emergency occurring all of sudden due to pre-existing conditions under the clause called acute onset of pre-existing conditions. Even though most recent graduates are young and not likely to suffer from pre-existing conditions, this may be a useful benefit for some. This benefit is immensely helpful for older visitors to the U.S. who may be suffering from pre-existing conditions. However, this benefit will not provide any coverage for any routine maintenance of pre-existing conditions.
Trip Interruption
If there was an emergency in your home country such as one of parents passed away or your house caught fire, trip interruption coverage will help you pay to make necessary arrangements for travel to home country.
Emergency Medical Evacuation / Repatriation
If you are in a remote location and get seriously sick or injured where adequate medical facilities are not available, emergency medical evacuation will transport you to the nearest medical facility where you can receive adequate medical care. This benefit can be lifesaving to some.
Return of Mortal Remains
In the unfortunate event that you were to pass away abroad, the return of mortal remains benefit would help your family make arrangements and pay for the transportation of your remains or for local cremation.
Learn MoreLoss of Checked Luggage
Loss of checked luggage coverage would help pay for essentials that you might immediately need if the airline were to permanently lose your checked luggage. This benefit would be secondary to the coverage your airline would provide.
Accidental Death & Dismemberment
If you were to pass away or lose a limb or two in an accident, this benefit would make a lump sum amount payment to your family or you. Some OPT insurance plans would pay a higher amount if such an accident were to occur while traveling in a common carrier such as an airline, train, or bus.
Learn MoreAs 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!
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.
Learn MoreWhy purchase insurance from Insubuy®?
Same Price. Better Service.®
There are many advantages in purchasing from Insubuy® and no disadvantages.
Learn MoreVisiting USA?
Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
Learn MoreTraveling 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 MoreNew 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 MoreGoing 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 MoreAre 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 MoreTraveling 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 MoreTraveling 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 MoreInternational 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