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Study USA Insurance for International Students on F1, J1, and M Visas
- Who: The plan is available to students, teachers, school faculty, and OPT status holders under the age of 74 and their spouse, common-law partner, and unmarried child up to age 26. Individuals must be traveling outside their Home Country for at least 3 months of the year. It offers unlimited coverage if individuals return to their Home Country (incidental trips) during the policy.
- What: Provides unlimited annual and lifetime medical benefits, primary care doctor visits, wellness, and routine vaccinations with optional upgrades to cover dental and vision expenses, with no waiting period for benefits. A maternity benefit can be added to the policy after 1 year of coverage. Pre-existing condition exclusion is waived if you have had 12 months of prior coverage.
- Where: Provides coverage within and outside the United States.
Why is Study USA Plan Good for International Students?
Study USA provides affordable insurance to foreign students, scholars, teachers and OPT status individuals coming to the US. This comprehensive plan is tailored to the specific needs of students and their dependents. The plan meets health insurance requirements for J1 visa holders.
Plan Benefits: You get coverage for unlimited medical limits, urgent care, wellness visits, vaccinations, pregnancy complications, physical therapy, hormonal replacement therapy, obesity treatment, infusion therapy, mental health disorders, prescription drugs, pre-existing conditions after a waiting period, and more. Deductible options from $0-$5,000.
Pre-existing: The number of months of coverage shown on evidence of prior health insurance letter will reduce or eliminate the 12-month pre-existing condition waiting period. If you have 12 or more months of prior creditable health insurance, your waiting period will be eliminated. If you have less than 12 months of creditable coverage, your waiting period will be reduced by the number of months you had prior coverage. For example, if you have two months of creditable coverage, your waiting period will be reduced from 12 months to 10 months.
PPO Hospital Network: Policyholders can visit any provider outside the US and access the Blue Cross Blue Shield PPO network within the US.
Special Feature 1: Prescription drugs covered at 100% up to $5,000 per year with no deductible.
Special Feature 2: Offers coverage to Genetic Testing, Hormone Replacement Therapy, Infertility Services, Infusion Therapy, Obesity Treatment and Temporomandibular Joint Disorder.
Special Feature 3: Covers 100% prescription drugs up to $5,000 maximum per year and 100% physical therapy with no deductible up to 6 visits per year.
Special Feature 4: Optional coverage for maternity care for a covered pregnancy, dental and vision.
What Coverage & Benefits are Offered by Study USA Insurance?
Study USA insurance plan provides comprehensive coverage for J1 visa scholars, international students, teachers and OPT status individuals and their dependents. It includes coverage eligible medical expenses, primary care doctor visits, wellness, vaccinations, urgent care facilities, prescription drugs, physical therapy, emergency evacuation, repatriation of remains, and more.
You can review the detailed benefits in the Brochure
Coverage Highlights:
- Unlimited maximum medical limit.
- Pays 80% coinsurance up to the maximum limit and then 100%.
- $30 copay for primary care doctor visits in-network.
- Covers immunizations up to 80% .Covers travel vaccinations up to 80% to the maximum limit.
- Covers dental treatment due to accident up to 100% after deductible (maximum of $500 per calendar year).
- Accidental Death & Dismemberment up to $10,000.
- Emergency Evacuation up to $250,000 lifetime max.
- Repatriation of Remains up to $25,000.
- Covers prescription drugs up to 100% till $5,000 maximum per year.
- Covers complications of pregnancy and newborn care.
- Covers Genetic Testing, Hormone Replacement Therapy, Infusion Treatment, TMJ, and Obesity Treatment.
- Plans can be cancelled any month with no cancellation penalty.
Benefits Study USA Plan
| Benefit | Study USA Basic | Study USA Standard | Study USA Preferred | Study USA Platinum |
|---|---|---|---|---|
| In-patient Hospital | $100,000 | $100,000 | $300,000 | $500,000 |
| Out-patient Clinic | $100,000 | $100,000 | $300,000 | $500,000 |
| Doctor Visit | $100,000 | $100,000 | $300,000 | $500,000 |
| Prescription Drugs | 50% of actual charge | $30 copay generic/ $100 copay brand name | $15 copay generic/ $50 copay brand name | $15 copay generic/ $30 copay brand name |
| Covid-19 coverage | Not covered | Covered | Covered | Covered |
What is the Cost of Study USA Insurance?
The pricing is dependent on the following factors: The premium will depend on what plan option you choose, along with the age, and coverage days.
Plan Limit: Unlimited medical limit with unlimited maximum per injury/illness. Deductible options ranging from $0 to $5,000 both in and out-of-network.
Age: Plan is available for ages 14 days (about 2 weeks) to up to 74 years.
Coverage Days: Minimum limit is 3 months, and maximum limit is 364 consecutive days at any given time.
Optional Coverage Benefits Riders: Optional coverage to maternity care for a covered pregnancy after 12 months of continuous coverage. Additionally, optional coverage to dental and vision with no waiting periods.
Study USA Plan Price Table
| Age | Study USA Basic | Study USA Standard | Study USA Preferred | Study USA Platinum |
|---|---|---|---|---|
| Under 25 years | $33.21 | $47.64 | $76.70 | $87.64 |
| From 25 to 29 years | $64.16 | $90.03 | $111.89 | $127.93 |
| From 30 to 34 years | $96.72 | $122.25 | $141.80 | $162.21 |
| From 35 to 39 years | $144.44 | $173.05 | $200.55 | $229.00 |
| From 40 to 44 years | $167.97 | $217.54 | $252.28 | $289.08 |
| From 45 to 49 years | $172.16 | $226.99 | $273.39 | $312.76 |
| From 50 to 54 years | $327.24 | $424.56 | $504.90 | $577.46 |
| From 55 to 65 years | $335.62 | $511.09 | $605.18 | $692.31 |
FAQ: How does Study USA Insurance Plan work?
The plan is available to all Students, Teachers, Faculty and OPT status and their Spouse, Common law partner, Unmarried child up to age 26. Insured must be 74 years or younger to enroll; renewable through age 84 if eligibility criteria are met.
You must be a student, teacher, faculty or OPT status 74 years or younger to buy this plan.
If in the United States, you must hold a valid education-related visa. A copy of the I-20 or DS2019 may be requested. J-1 and F-1 visa holders: The full-time student/scholar status requirement is waived within the U.S. if you have a valid F-1 visa (including OPT) or a J-1 visa. Full-time status requirements remain in force for individuals holding M-1, or other category visas. Online courses or ESL (language courses) do not apply.
Pre-existing conditions are covered after 12 months if you were previously covered by a group or individual U.S. health plan and the carrier provides a letter verifying evidence of prior health insurance along with enrollment dates, the underwriters will apply this prior coverage to the pre-existing conditions waiting period, provided you meet the underwriting medical underwriting criteria. Underwriters will also consider (on a case-by-case basis) private health insurance issued in other countries as satisfactory. There are several reasons why coverage would not be considered creditable: 1) The medical benefit limits are too low 2) The plan is not comprehensive in nature and does not cover both inpatient and outpatient coverage 3) There is a time lapse where there was no coverage up until your effective date of your new plan.
The number of months of coverage shown on evidence of prior health insurance letter will reduce or eliminate the 12-month pre-existing condition waiting period. If you have 12 or more months of prior creditable health insurance, your waiting period will be eliminated. If you have less than 12 months of creditable coverage, your waiting period will be reduced by the number of months you had prior coverage. For example, if you have two months of creditable coverage, your waiting period will be reduced from 12 months to 10 months. You cannot have more than a 63-day break in health insurance coverage before your plan’s effective date.
Policyholders can visit any provider outside the US and access the Blue Cross Blue Shield PPO network within the US.
The plan covers Intercollegiate Interscholastic, Intramural or club sports if the insured individual is not competing professionally. Review the brochure for details.
The plan covers complications of pregnancy, but it is wise to check the brochure to know in detail about the coverage.
The application will need the name, date of birth, visitor’s address, passport country, and email address to send the insurance documents. If you do have a passport number, you can enter it. A valid credit card will be required to complete the purchase.
Once the application is submitted, an email will be sent to the email address provided on the application which will include links to download the ID card, Visa Letter, and Certificate wording.
Plan can be renewed through age 84 if eligibility criteria are met.
Plan can be cancelled any month with no cancellation penalty.
The GeoBlue plan uses the BCBS PPO network, the largest in US, and 95% of providers worldwide are in the network. In most cases providers can bill directly to the insurance company. Members pay the deductible or co-pay. If for some reason direct pay is not possible, members can submit for claim on the mobile app by simply taking a picture of the bills.
It is good practice to keep a copy of the entire claim documents with you before you submit the claims for processing.
- Download and complete the Claims form
- Attach copies of all the pages of the passport
- Attach the itemized bills
- Submit the above within the stipulated time after seeing the provider
Study USA Insurance is underwritten by 4 Ever Life International Limited and is rated Excellent by AM Best.