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Insurance Plan Options

Possible Insurance Plans for International Students

Finding the right insurance plan takes a lot of time and research. Click the plan names below to compare the premiums and benefits of some available plans.

Company

Website

Plan Name(s)

HTH Worldwide

www.hthstudents.com

Global Student USA

ISO

www.isoa.org

Compass Silver
Compass Gold
ISO Med 2 ISO Med 1
Compass Platinum
Voyager
Voyager Elite

IMG

www.imglobal.com

Student Health Advantage
Patriot Exchange Program Standard

Wallach &
Company, Inc.

www.wallach.com

Health Care International

The Harbour
Group

www.hginsurance.com

International Student &
Scholar Medical Insurance Plan

MultiNational Underwriters

www.internationalstudentinsurance.com

Student Secure Select
Student Secure Budget

Possible Supplemental Insurance Plan for Medical Evacuation and Repatriation Benefits


Company

Website

Plan Name(s)

The Harbour Group

www.hginsurance.com

Medical Evacuation & Repatriation Benefit Plan

Global Student USA

  • Company: HTH Worldwide
  • Monthly Premium : $47 - $228+
  • Deductible : $100
  • Co-pay : n/a
  • Coinsurance : 80% of first $10,000*, 100% after
  • PPO : Aetna (all our hospitals included)
  • Lifetime Max Benefit Limit : $1,000,000
  • Policy Year Max Limit : $250,000
  • Max Benefit Per Injury or Illness : $250,000
  • Pre-Existing Condition Limit : 12 months
  • Repatriation of Remains : $25,000
  • Medical Evacuation : $100,000
  • Physician's Office Visit : coins. applies
  • Rx : 50%
  • Claims Process : doctor or student
  • X-ray and Lab Tests : coins. applies
  • Pre-Admission Testing : coins. applies
  • Coverage Area : not in home country
  • Hospitalization / Room & Board : $500/day
  • Intensive Care Unit : $1,000 per day
  • Surgery : coins. applies
  • Anesthetist's Charges : coins. applies
  • Emergency Room Illness : coins. applies
  • ER Accident : coins. applies
  • Ambulance : $350
  • Mental Health (Outpatient) : $500
  • Mental Health (Inpatient) : $5,000
  • Medical Equipment : rental or purchase charges
  • Injuries to Sound Teeth : $250 per tooth per injury
  • Emergency Reunion / Bedside Visit : up to $750 for airfare and hotel

Compass Silver

  • Company: ISO - Student Health Insurance
  • Monthly Premium : $29 / $45 / $89
  • Deductible : $50 at SHC, $100 elsewhere
  • Co-pay : n/a
  • Coinsurance : 100%*
  • PPO : First Health and Beech Street
  • Lifetime Max Benefit Limit : $300,000
  • Policy Year Max Limit : n/a
  • Max Benefit Per Injury or Illness : $150,000
  • Pre-Existing Condition Limit : 6 months
  • Repatriation of Remains : $50,000
  • Medical Evacuation : $50,000
  • Physician's Office Visit : $50
  • Rx : $100
  • Claims Process : PPO doctor or student
  • X-ray and Lab Tests : up to $500/day to 30 days max in hospital, outpatient $400
  • Pre-Admission Testing : $900
  • Coverage Area : Worldwide (limited at home country)
  • Hospitalization / Room & Board : $1,000/day to 30 days max
  • Intensive Care Unit : additional $525/day to 8 days max
  • Surgery : $3,000
  • Anesthetist's Charges : 25% of surgery
  • Emergency Room Illness : 80%, $300 deductible (waived if admitted)
  • ER Accident : 80%, $300 deductible (waived if admitted)
  • Ambulance : $400
  • Mental Health (Outpatient) : 1 visit /a day, 40 visits maximum per year; $5,000 Annual Max.
  • Mental Health (Inpatient) : 1 visit/a day, 30 visits per benefit period
  • Medical Equipment : $1,000
  • Injuries to Sound Teeth : $500
  • Emergency Reunion / Bedside Visit : n/a

Compass Gold

  • Company: ISO - Student Health Insurance
  • Monthly Premium (24 years & under - Male) : $39 / $57 / $109
  • Deductible : $45 at SHC, $90 elsewhere
  • Co-pay : n/a
  • Coinsurance : 100%*
  • PPO : First Health and Beech Street
  • Lifetime Max Benefit Limit : $500,000
  • Policy Year Max Limit : n/a
  • Max Benefit Per Injury or Illness : $250,000
  • Pre-Existing Condition Limit : 6 months
  • Repatriation of Remains : $60,000
  • Medical Evacuation : $60,000
  • Physician's Office Visit : $60
  • Rx : $100
  • Claims Process : PPO doctor or student
  • X-ray and Lab Tests : up to $500/day to 30 days max in hospital, outpatient $400
  • Pre-Admission Testing : $900
  • Coverage Area : Worldwide (limited at home country)
  • Hospitalization / Room & Board : $1,300/day to 30 days max
  • Intensive Care Unit : additional $525/day to 8 days max
  • Surgery : $4,000
  • Anesthetist's Charges : 25% of surgery
  • Emergency Room Illness : 80%, $300 deductible (waived if admitted)
  • ER Accident : 80%, $300 deductible (waived if admitted)
  • Ambulance : $400
  • Mental Health (Outpatient) : 1 visit /a day,30 visits maximum per benefit period
  • Mental Health (Inpatient) : 1 visit /a day,40 visits maximum per year; $5,000 Annual Max.
  • Medical Equipment : $1,000
  • Injuries to Sound Teeth : $500
  • Emergency Reunion / Bedside Visit : n/a

ISO Med 2

  • Company: ISO - Student Health Insurance
  • Monthly Premium : $29 / $69 / $119
  • Deductible : :$25 at SHC/ $100 in PPO/$250 out
  • Co-pay : n/a
  • Coinsurance : 80% of first $7,500* / 70% of first $7,500*, 100% after In/out of PPO
  • PPO : First Health and Beech Street
  • Lifetime Max Benefit Limit : $200,000
  • Policy Year Max Limit : n/a
  • Max Benefit Per Injury or Illness : $100,000
  • Pre-Existing Condition Limit : 6 months
  • Repatriation of Remains : $25,000
  • Medical Evacuation : $50,000
  • Physician's Office Visit : $40
  • Rx : 80% up to $500 per yr
  • Claims Process : PPO doctor or student
  • X-ray and Lab Tests : coins. applies $3,000 max in hospital
  • Pre-Admission Testing : coins. applies
  • Coverage Area : Worldwide (limited at home country)
  • Hospitalization / Room & Board : $700/day up to 30 days
  • Intensive Care Unit : coins. applies
  • Surgery : coins. applies - $3,000
  • Anesthetist's Charges : coins. applies
  • Emergency Room Illness : co-pay of $300 (waived if admitted), coins. applies
  • ER Accident : co-pay of $300 (waived if admitted), coins. applies
  • Ambulance : coins. applies
  • Mental Health (Outpatient) : 80% In/ 60% Out PPO, 40 visits up to $5,000 max per yr
  • Mental Health (Inpatient) : 80% In/ 60% Out PPO, 30 visits max per policy yr
  • Medical Equipment : coins. applies
  • Injuries to Sound Teeth : $250
  • Emergency Reunion / Bedside Visit : n/a

ISO Med 1

  • Company: ISO - Student Health Insurance
  • Monthly Premium : $39 / $79 / $139
  • Deductible : $25 at SHC, $90 in PPO/$225 out
  • Co-pay : n/a
  • Coinsurance : 80% of first $4,000* / 70% of first $4,000*, 100% after In/out of PPO
  • PPO : First Health Network and Beech Street
  • Lifetime Max Benefit Limit : $500,000
  • Policy Year Max Limit : n/a
  • Max Benefit Per Injury or Illness : $250,000
  • Pre-Existing Condition Limit : 6 months
  • Repatriation of Remains : $50,000
  • Medical Evacuation : $100,000
  • Physician's Office Visit : $60
  • Rx : 80% up to $1,000 per yr
  • Claims Process : PPO doctor or student
  • X-ray and Lab Tests : coins. applies
  • Pre-Admission Testing : coins. applies
  • Coverage Area : Worldwide (limited at home country)
  • Hospitalization / Room & Board : $1000/day up to 30 days
  • Intensive Care Unit : coins. applies
  • Surgery : coins. applies - $3,000
  • Anesthetist's Charges : coins. applies
  • Emergency Room Illness : co-pay of $300 (waived if admitted), coins. applies
  • ER Accident : co-pay of $300 (waived if admitted), coins. applies
  • Ambulance : coins. applies
  • Mental Health (Outpatient) : 80% In/ 60% Out PPO, 40 visits up to $5,000 max per yr
  • Mental Health (Inpatient) : 80% In/ 60% Out PPO, 30 visits max per policy yr
  • Medical Equipment : coins. applies
  • Injuries to Sound Teeth : $300
  • Emergency Reunion / Bedside Visit : n/a

Compass Platinum

  • Company: ISO - Student Health Insurance
  • Monthly Premium : $89 / $125 / $195
  • Deductible : $150 Annually
  • Co-pay : $0 at SHC/$40/$60 doctor's visit, $250/$300 ER, $250/$500 Hospital in/out PPO
  • Coinsurance : 80% of first $4,000*, 100% after
  • PPO : First Health and Beech Street
  • Lifetime Max Benefit Limit : No Maximum In Network / $1,000,000 Out of Network
  • Policy Year Max Limit : n/a
  • Max Benefit Per Injury or Illness : $200,000
  • Pre-Existing Condition Limit : 6 months
  • Repatriation of Remains : $50,000
  • Medical Evacuation : $100,000
  • Physician's Office Visit : coins. applies
  • Rx : $30 Co-pay up to $1,000/Annually
  • Claims Process : PPO doctor or student
  • X-ray and Lab Tests : up to $2,000
  • Pre-Admission Testing : coins. applies
  • Coverage Area : Worldwide (limited at home country)
  • Hospitalization / Room & Board : coins. applies
  • Intensive Care Unit : coins. applies
  • Surgery : coins. applies
  • Anesthetist's Charges : coins. applies
  • Emergency Room Illness : coins. applies
  • ER Accident : coins. applies
  • Ambulance : coins. applies
  • Mental Health (Outpatient) : 1 visit /a day, 30 visits maximum per benefit period
  • Mental Health (Inpatient) : 1 visit /a day,30 visits maximum per benefit period
  • Medical Equipment : coins. applies
  • Injuries to Sound Teeth : $300
  • Emergency Reunion / Bedside Visit : n/a

Voyager

  • Company: ISO - Student Health Insurance
  • Monthly Premium : $57
  • Deductible : $150
  • Co-pay : n/a
  • Coinsurance : 100%*
  • PPO : First Health and Beech Street
  • Lifetime Max Benefit Limit : $100,000
  • Policy Year Max Limit : n/a
  • Max Benefit Per Injury or Illness : $50,000
  • Pre-Existing Condition Limit : 18 months
  • Repatriation of Remains : $25,000
  • Medical Evacuation : $50,000
  • Physician's Office Visit : $50
  • Rx : $100
  • Claims Process : PPO doctor or student
  • X-ray and Lab Tests : $400
  • Pre-Admission Testing : $900
  • Coverage Area : Worldwide (Not at home country)
  • Hospitalization / Room & Board : $1250/day up to 30 days
  • Intensive Care Unit : additional $525/day to 8 days max
  • Surgery : coins. applies - $3,000
  • Anesthetist's Charges : 25% of surgery
  • Emergency Room Illness : 75% up to $300, coins. applies if admitted as inpatient
  • ER Accident : 75% up to $300, coins. applies if admitted as inpatient
  • Ambulance : $400
  • Mental Health (Outpatient) : 1 visit/a day, 40 visits per benefit period, 5,000 max per policy year
  • Mental Health (Inpatient) : 1 visit/a day, 30 visits per benefit period
  • Medical Equipment : $1,000
  • Injuries to Sound Teeth : $500
  • Emergency Reunion / Bedside Visit : n/a

Voyager Elite

  • Company: ISO - Student Health Insurance
  • Monthly Premium : $69
  • Deductible : $90
  • Co-pay : n/a
  • Coinsurance : 100%*
  • PPO : First Health and Beech Street
  • Lifetime Max Benefit Limit : $250,000
  • Policy Year Max Limit : n/a
  • Max Benefit Per Injury or Illness : $150,000
  • Pre-Existing Condition Limit : 18 months
  • Repatriation of Remains : $25,000
  • Medical Evacuation : $50,000
  • Physician's Office Visit : $50
  • Rx : $100
  • Claims Process : PPO doctor or student
  • X-ray and Lab Tests : $400
  • Pre-Admission Testing : $900
  • Coverage Area : Worldwide (Not at home country)
  • Hospitalization / Room & Board : $1250/day up to 30 days
  • Intensive Care Unit : additional $525/day to 8 days max
  • Surgery : coins. applies - $3,000
  • Anesthetist's Charges : 25% of surgery
  • Emergency Room Illness : 80%, $300 deductible (waived if admitted)
  • ER Accident : 80%, $300 deductible (waived if admitted)
  • Ambulance : $400
  • Mental Health (Outpatient) : 1 visit/a day, 40 visits per benefit period, 5,000 max per policy year
  • Mental Health (Inpatient) : 1 visit/a day, 30 visits per benefit period
  • Medical Equipment : $1,000
  • Injuries to Sound Teeth : $500
  • Emergency Reunion / Bedside Visit : n/a

Student Health Advantage

  • Company: IMG
  • Monthly Premium : $65 (under 19), $86 (19-23) - $293+
  • Deductible : $100
  • Co-pay : n/a
  • Coinsurance : 100%* in PPO; 80% of first $5,000, 100% after out of PPO
  • PPO : First Health (includes all of our hospitals)
  • Lifetime Max Benefit Limit : $500,000
  • Policy Year Max Limit : n/a
  • Max Benefit Per Injury or Illness : $300,000
  • Pre-Existing Condition Limit : 12 months
  • Repatriation of Remains : $50,000
  • Medical Evacuation : $500,000
  • Physician's Office Visit : coins. applies
  • Rx : 50%
  • Claims Process : student or PPO doctor, precertification required
  • X-ray and Lab Tests : coins. applies
  • Pre-Admission Testing : coins. applies
  • Coverage Area : worldwide
  • Hospitalization / Room & Board : coins. applies
  • Intensive Care Unit : coins. applies
  • Surgery : coins. applies
  • Anesthetist's Charges : coins. applies
  • Emergency Room Illness : coins. applies
  • ER Accident : coins. applies
  • Ambulance : $350
  • Mental Health (Outpatient) : $50/day up to $500
  • Mental Health (Inpatient) : $10,000
  • Medical Equipment : coins. applies
  • Injuries to Sound Teeth : $500
  • Emergency Reunion / Bedside Visit : n/a

Patriot Exchange Program Standard

  • Company: IMG
  • Monthly Premium : $41 ($50,000 per occurance), $51 ($250,000 per occurance), $54 ($500,000 per occurance)
  • Deductible : $100
  • Co-pay : n/a
  • Coinsurance : 100%*
  • PPO : First Health (includes all of our hospitals)
  • Lifetime Max Benefit Limit : n/a
  • Policy Year Max Limit : n/a
  • Max Benefit Per Injury or Illness : choice of $50,000, $250,000 or $500,000 per illness or injury
  • Pre-Existing Condition Limit : not covered
  • Repatriation of Remains : $25,000
  • Medical Evacuation : $25,000
  • Physician's Office Visit : coins. applies
  • Rx : discount program
  • Claims Process : student or PPO doctor
  • X-ray and Lab Tests : coins. applies
  • Pre-Admission Testing : coins. applies
  • Coverage Area : USA
  • Hospitalization / Room & Board : coins. applies
  • Intensive Care Unit : coins. applies
  • Surgery : coins. applies
  • Anesthetist's Charges : coins. applies
  • Emergency Room Illness : coins. with additional deductible of $250 if not admitted
  • ER Accident : coins. applies
  • Ambulance : coins. applies
  • Mental Health (Outpatient) : not covered
  • Mental Health (Inpatient) : not covered
  • Medical Equipment : coins. applies
  • Injuries to Sound Teeth : $500
  • Emergency Reunion / Bedside Visit : $15,000

Health Care International

  • Company: Wallach & Company, Inc.
  • Monthly Premium : $180 - $267+
  • Deductible : $100
  • Co-pay : n/a
  • Coinsurance : 80%*
  • PPO : n/a
  • Lifetime Max Benefit Limit : $1,000,000
  • Policy Year Max Limit : n/a
  • Max Benefit Per Injury or Illness : n/a
  • Pre-Existing Condition Limit : 12 months
  • Repatriation of Remains : $1,000,000
  • Medical Evacuation : $1,000,000
  • Physician's Office Visit : coins. applies
  • Rx : coins. applies
  • Claims Process : student submits claims for reimbursement**
  • X-ray and Lab Tests : coins. applies
  • Pre-Admission Testing : coins. applies
  • Coverage Area : USA
  • Hospitalization / Room & Board : coins. applies
  • Intensive Care Unit : coins. applies
  • Surgery : coins. applies
  • Anesthetist's Charges : coins. applies
  • Emergency Room Illness : coins. applies
  • ER Accident : coins. applies
  • Ambulance : coins. applies
  • Mental Health (Outpatient) : coins. applies
  • Mental Health (Inpatient) : coins. applies
  • Medical Equipment : coins. applies
  • Injuries to Sound Teeth : $500 per tooth up to $5,000
  • Emergency Reunion / Bedside Visit : not covered

International Student & Scholar Medical Insurance Plan

  • Company: The Harbour Group
  • Monthly Premium : $65 (under age 19); $71 (age 19- 23) - $331+
  • Deductible : $250
  • Co-pay : n/a
  • Coinsurance : 80%*
  • PPO : n/a
  • Lifetime Max Benefit Limit : n/a
  • Policy Year Max Limit : n/a
  • Max Benefit Per Injury or Illness : $250,000
  • Pre-Existing Condition Limit : 12 months
  • Repatriation of Remains : $50,000
  • Medical Evacuation : $50,000
  • Physician's Office Visit : coins. applies
  • Rx : 50% up to $500
  • Claims Process : doctor submits bill, student submits claim
  • X-ray and Lab Tests : coins. applies
  • Pre-Admission Testing : coins. applies
  • Coverage Area : USA
  • Hospitalization / Room & Board : $750/day
  • Intensive Care Unit : $1,000/day
  • Surgery : one procedure can be done at a time, 80% of standard cost
  • Anesthetist's Charges : coins. applies
  • Emergency Room Illness : covered only if lack of immediate treatment places the insureds life in danger
  • ER Accident : covered only if lack of immediate treatment places the insureds life in danger
  • Ambulance : $350
  • Mental Health (Outpatient) : 50% up to $500
  • Mental Health (Inpatient) : $5,000
  • Medical Equipment : coins. applies
  • Injuries to Sound Teeth : coins. applies
  • Emergency Reunion / Bedside Visit : $1,000

Student Secure Select

  • Company: MultiNational Underwriters
  • Monthly Premium : $66 (under age 19); $88 (age 19- 23) - $350+
  • Deductible : $100
  • Co-pay : n/a
  • Coinsurance : 100%* if in PPO; 80% of first $5,000*, 100% after out of PPO
  • PPO : Hygeia (all our hospitals are included)
  • Lifetime Max Benefit Limit : $300,000
  • Policy Year Max Limit : $300,000
  • Max Benefit Per Injury or Illness : $300,000
  • Pre-Existing Condition Limit : 12 months
  • Repatriation of Remains : $25,000
  • Medical Evacuation : $300,000
  • Physician's Office Visit : coins. applies
  • Rx : 50%
  • Claims Process : PPO doctor or student
  • X-ray and Lab Tests : coins. applies
  • Pre-Admission Testing : coins. applies
  • Coverage Area : USA included
  • Hospitalization / Room & Board : coins. applies
  • Intensive Care Unit : coins. applies
  • Surgery : coins. applies
  • Anesthetist's Charges : coins. applies
  • Emergency Room Illness : excluded unless admitted as inpatient
  • ER Accident : excluded unless admitted as inpatient
  • Ambulance : $350
  • Mental Health (Outpatient) : $50/day up to $500
  • Mental Health (Inpatient) : $10,000
  • Medical Equipment : coins. applies
  • Injuries to Sound Teeth : $250/tooth up to $500
  • Emergency Reunion / Bedside Visit : $2,500

Student Secure Budget

  • Company: MultiNational Underwriters
  • Monthly Premium : $42 (under age 19); $45 (19-23) - $249+
  • Deductible : $100
  • Co-pay : n/a
  • Coinsurance : 80% of first $10,000*, 100% after
  • PPO : Hygeia (all our hospitals are included)
  • Lifetime Max Benefit Limit : $250,000
  • Policy Year Max Limit : $250,000
  • Max Benefit Per Injury or Illness : $250,000
  • Pre-Existing Condition Limit : 12 months
  • Repatriation of Remains : $15,000
  • Medical Evacuation : $250,000
  • Physician's Office Visit : coins. applies
  • Rx : 50%
  • Claims Process : PPO doctor or student
  • X-ray and Lab Tests : coins. applies
  • Pre-Admission Testing : coins. applies
  • Coverage Area : USA included
  • Hospitalization / Room & Board : coins. applies
  • Intensive Care Unit : coins. applies
  • Surgery : coins. applies
  • Anesthetist's Charges : coins. applies
  • Emergency Room Illness : excluded unless admitted as inpatient
  • ER Accident : excluded unless admitted as inpatient
  • Ambulance : $350
  • Mental Health (Outpatient) : $50/day up to $500
  • Mental Health (Inpatient) : $10,000
  • Medical Equipment : coins. applies
  • Injuries to Sound Teeth : $250/tooth up to $500
  • Emergency Reunion / Bedside Visit : $1,000

*After Deductible or Co-pay has been met or paid

Note: Pre-certification penalties exist for some of these plans: coins. coverage reduced to 50% if hospitalization is not pre-certified before admission.

Bellevue University Health Insurance Disclaimer

As a service to Bellevue University students, the University provides the opportunity for health insurance companies to publicize information on their international student health insurance plans. The University reserves the right, at its sole discretion, to edit and/or refuse listings it deems inappropriate for this service or which are in violation of University policies. Bellevue University does not investigate, endorse, or guarantee the accuracy of any listing referrals, the quality of the company or plan listed or the reliability of the listed individuals, companies, or firms, nor does the University investigate, endorse, or guarantee the suitability of any individuals responding to the listings. Users of this service communicate and contract with each other individually and at their own risk. The University, its officers, agents and employees shall not be liable for any actions occurring, or damages which may arise, as a result of arrangements made between users of this service or for any errors or omissions made in the compilation or publication of the list. Any party using this service agrees to defend, indemnify, and hold Bellevue University, and its officers, employees, and agents harmless from any actions, judgments, or damages arising out of, or incurred as a result of, such party’s actions or omissions.

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