International Student, Exchange Visitor & OPT Insurance

Health Insurance for individuals studying in the USA on an F or J Visa, including OPT

International student and exchange visitor health insurance offers necessary medical coverage meeting school or federal requirements for F, J or M visa holders and OPT participants attending US educational institutions or programs.

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Patriot Exchange Program℠

Underwriter: SiriusPoint Specialty Insurance Corporation

Coverage Availability 1 Month to 4 Years

Quotes & Purchase

Overview

Within PPO network: After deductible, plan pays 90% up to $10,000, then 100% up to the policy maximum.
Outside PPO network: After deductible, plan pays 80% up to the policy maximum.
Outside US: After deductible, covers at 100% up to the policy maximum.

Direct Billing

Through United Healthcare PPO Network
  • US Urgent Care
    $50 copay, unless $0 deductible
  • Walk-In Clinic
    $20 copay, unless $0 deductible
  • Student Health Center
    $5 copay, deductible waived
  • COVID-19
    Included
  • Eligibility Restrictions

Plan Details

ExchangeGuard®

Underwriter: TMHCC (CI) Insurance SPC Ltd

Coverage Availability 5 Days to 4 Years

Quotes & Purchase

Overview

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.

Direct Billing

Through United Healthcare PPO Network
  • US Urgent Care
    $15 copay, unless $0 deductible
  • Walk-In Clinic
    $15 copay, unless $0 deductible
  • Student Health Center
    To policy maximum
  • COVID-19
    Included
  • Eligibility Restrictions

Plan Details

Student Health Advantage℠

Underwriter: SiriusPoint Specialty Insurance Corporation

Coverage Availability 1 Month to 5 Years

Quotes & Purchase

Overview

Within PPO network: After deductible, plan pays 90% up to $10,000, then 100% up to the policy maximum.
Outside PPO network: After deductible, plan pays 80% up to the policy maximum.
Outside US: After deductible, covers at 100% up to the policy maximum.

Direct Billing

Through United Healthcare PPO Network
  • Student Health Center
    $5 copay, deductible waived
  • COVID-19
    Included
  • Eligibility Restrictions

Plan Details

StudentSecure®

Underwriter: TMHCC (CI) Insurance SPC Ltd

Coverage Availability 1 Month to 4 Years

Quotes & Purchase

Overview

Within PPO network:
Elite: After copayments, plan pays 80% up to $10,000, then 100% up to the policy maximum.
Select: After copayments, plan pays 80% up to $25,000, then 100% up to the policy maximum.
Budget: After copayments, plan pays 80% up to $45,000, then 100% up to the policy maximum.
Smart: After copayments, plan pays 80% up to $100,000, then 100% up to the policy maximum.

Direct Billing

Through United Healthcare PPO Network
  • US Urgent Care
    $30, $50, $75, or $100 copay. $60, $100, $150, or $200 copay outside PPO.
  • Student Health Center
    $10 or $25 copay
  • COVID-19
    Included
  • Eligibility Restrictions

Plan Details

Patriot America Plus®

Underwriter: SiriusPoint Specialty Insurance Corporation

Coverage Availability 5 Days to 2 Years

Quotes & Purchase

Overview

After deductible, pays 100% to policy maximum.
Outside PPO network: After deductible, pays 90% to $5,000, then 100% to policy maximum.

Direct Billing

Through United Healthcare PPO Network

Acute Onset of Pre-Existing Conditions

Coverage to policy max for ages <70 Learn More
  • US Urgent Care
    $25 copay, unless $0 deductible
  • Walk-In Clinic
    $15 copay, unless $0 deductible
  • Student Health Center
    To policy maximum
  • COVID-19
    Included
  • Eligibility Restrictions

Plan Details

Patriot America® Lite

Underwriter: SiriusPoint Specialty Insurance Corporation

Coverage Availability 5 Days to 2 Years

Quotes & Purchase

Overview

After deductible, pays 100% to policy maximum.
Outside PPO Network: After deductible, pays 80% to $5,000, then 100% to policy maximum.

Direct Billing

Through United Healthcare PPO Network
  • US Urgent Care
    $25 copay, unless $0 deductible
  • Walk-In Clinic
    $15 copay, unless $0 deductible
  • Student Health Center
    To policy maximum
  • COVID-19
    Excluded
  • Eligibility Restrictions

Plan Details

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