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OPT Insurance

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

After deductible, pays 100% to policy maximum, or
After deductible, pays 80% to $5,000, then 100% 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 or First Health PPO Network

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Safe Travels USA Comprehensive

Underwriter: GBG Insurance Limited

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.

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

Direct Billing: Through First Health PPO Network

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Safe Travels USA Cost Saver

Underwriter: GBG Insurance Limited

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.

Sudden and unexpected recurrence of pre-existing condition coverage: $1,000

Direct Billing: Through First Health PPO Network

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StudentSecure®

Underwriter: Lloyd's

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 or First Health PPO Network

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Patriot America® Plus

Underwriter: Sirius International

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.

Acute onset of pre-existing conditions coverage to policy max for ages <70

Direct Billing: Through United Healthcare PPO Network

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Patriot America®

Underwriter: Sirius International

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 International

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