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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.

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ExchangeGuard®

Underwriter: Lloyd's

Coverage Availability: 5 Days to 1,456 Days

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

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StudentSecure®

Underwriter: Lloyd's

Coverage Availability: 1 Month to 1,456 Days

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.

Direct Billing: Through United Healthcare PPO Network

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Safe Travels USA Cost Saver

Underwriter: Crum & Forster SPC

Coverage Availability: 5 Days to 2 Years

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. 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

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Safe Travels USA Comprehensive

Underwriter: Crum & Forster SPC

Coverage Availability: 5 Days to 2 Years

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. One Wellness Visit.

Direct Billing: Through First Health PPO Network

Acute onset of pre-existing conditions
to policy max (cardiac $25,000) for ages <70; $35,000 (cardiac $15,000) for ages 70-89

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Patriot America® Plus

Underwriter: Sirius Specialty Insurance Corporation

Coverage Availability: 5 Days to 2 Years

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
(including cardiac) coverage to policy max for ages <70

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Patriot America®

Underwriter: Sirius Specialty Insurance Corporation

Coverage Availability: 5 Days to 2 Years

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

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Patriot Platinum America

Underwriter: Sirius Specialty Insurance Corporation

Coverage Availability: 5 Days to 3 Years

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

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Prices are regulated by law.

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

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