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Study USA

Student Medical Insurance

30 Days to 1,456 Days

How Study USA Insurance Works

First

You pay the deductible once per policy period, even for Dr. visits.

Then

Plan pays 80% of the next $25,000 of covered expenses, you pay 20%.

Thereafter

Plan pays 100% up to the selected policy maximum.

Overview

Study USA insurance is an excellent student health insurance for international students studying in the U.S. You can obtain an instant quote and/or purchase on this web site. The insurance coverage can start as early as the next day or any future date you specify. As soon as you make a purchase, you will receive confirmation of insurance and your I.D. card in your email. No physical cards will be mailed to you for this international student medical insurance.

What is covered and not covered?

The insurance company will generally pay for new medical conditions, injuries (caused either by accidents or otherwise) or sicknesses that occur after the effective date of the policy. Coverage for pre-existing conditions has a waiting period that varies by plan. One (1) routine physical is covered; however, immunizations are not covered. The Standard plan includes coverage for acute onset of pre-existing conditions up to $25,000. As long as the person is not already pregnant as of the effective date, maternity is covered at 80% to the policy maximum in-network, or the Usual, Reasonable and Customary out of network up to the policy maximum.

Prescription drugs are covered just like any other eligible medical expenses.

Dental is not covered in the Standard plan; the Preferred plans offer a maximum of $1,000 if there is an accident and $100 for acute onset of pain. Consider a low cost plan from CAREINGTON that provides excellent coverage.

Study USA provides coverage as long as you are a full-time international student taking classes in the U.S., up to maximum of 4 years. Study USA meets the requirements of most universities for international students on an F-1 visa. Additionally, you are eligible if you are on J-1 visa and doing scholarly research at an educational institution.

How do I use the insurance?

Please look at the detailed description.

How much is covered?

  • With the Standard Plan you have to pay a $50 deductible per incident as long as you visit a provider within the PPO network or you visit your student health center. You have to pay a $150 deductible per incident outside the network.
  • With the Preferred 300 Plan you have to pay a $45 deductible per incident as long as you visit a provider within the PPO network or you visit your student health center. You have to pay a $90 deductible per incident outside the network.
  • With the Preferred 500 Plan you have to pay a $25 deductible per incident as long as you visit a provider within the PPO network or you visit your student health center. You have to pay a $50 deductible per incident outside the network.

For all eligible expenses, the insurance company will pay 80% for the first $25,000, you pay 20% (that is $5,000 out of pocket maximum). After that, the plan pays 100% up to the selected policy maximum of the plan you choose: $100,000 (Standard), $300,000 (Preferred 300), or $500,000 (Preferred 500).

Example:

Let's assume that you have purchased the Standard Plan ($100,000 policy maximum) for 6 months.

  • Let's assume that the doctor charges you $150/visit and you need to visit 4 times.

    If you visit the student health center first or if you visit the providers in the First Health PPO network, you will first pay $50 deductible, then you will have to pay 20% for each visit.

    Therefore first visit you pay $50, this satisfies the deductible, then pay 20% of the remaining $100 which is $20, the plan pays the other $80. For the remaining 3 visits you would pay 20% of $150 which is $30 and the plan pays the rest.

    Otherwise, you will have to pay $150 deductible outside the network. Then 30% for each visit.

  • Let's assume that you were in an accident and are hospitalized for 4 days. The hospital charges $10,000 per day for a total bill of $40,000.

    Assuming this is the first instance of your needing to use the insurance, you pay your $50 deductible plus $5,000 (20% of first $25,000) and the insurance company will pay the rest.

Benefits Updated: 07/01/2018

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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.

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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 would not be 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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