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

    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

    • $15 copay, unless $0 deductible
    • $15 copay, unless $0 deductible
    • To policy maximum
    • Included

    StudentSecure®

    Underwriter: Lloyd's

    Coverage Availability 1 Month to 1,456 Days

    Overview

    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

    • Included

    Safe Travels USA Cost Saver

    Underwriter: Crum & Forster SPC

    Coverage Availability 5 Days to 364 Days

    Overview

    After deductible, pays 80% to $5,000, then 100% to policy maximum.

    Direct Billing

    Acute onset of pre-existing conditions

    Sudden and unexpected recurrence of pre-existing condition coverage

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

    Safe Travels USA Comprehensive

    Underwriter: Crum & Forster SPC

    Coverage Availability 5 Days to 364 Days

    Overview

    After deductible, pays 100% to policy maximum.

    Direct Billing

    Acute onset of pre-existing conditions

    to policy max ($25,000 for cardiac or stroke) for ages <70

    To policy max ($25,000 for cardiac or stroke) for ages <70 Learn More to policy max ($25,000 for cardiac or stroke) for ages <70 Learn More

    Patriot America Plus®

    Underwriter: SiriusPoint Specialty Insurance Corporation

    Coverage Availability 5 Days to 2 Years

    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

    Acute onset of pre-existing conditions

    coverage to policy max for ages <70

    Coverage to policy max for ages <70 Learn More coverage to policy max for ages <70 Learn More
    • $25 copay, unless $0 deductible
    • $15 copay, unless $0 deductible
    • To policy maximum
    • Included

    Patriot America® Lite

    Underwriter: SiriusPoint Specialty Insurance Corporation

    Coverage Availability 5 Days to 2 Years

    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

    • $25 copay, unless $0 deductible
    • $15 copay, unless $0 deductible
    • Excluded

    Patriot America Platinum®

    Underwriter: SiriusPoint Specialty Insurance Corporation

    Coverage Availability 5 Days to 3 Years

    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

    Acute onset of pre-existing conditions

    US Citizens

    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 Learn More For ages < 70, up to $1,000,000 Learn More
    • $25 copay, unless $0 deductible
    • $15 copay, unless $0 deductible
    • Included

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

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