OPT Insurance

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.

Get Quick Quotes

    ExchangeGuard®

    Underwriter: Lloyd's

    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

    Plan Details

    StudentSecure®

    Underwriter: Lloyd's

    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

    Plan Details

    Safe Travels USA Cost Saver

    Underwriter: Zurich Insurance Europe AG Belgian branch

    Coverage Availability 5 Days to 364 Days

    Quotes & Purchase

    Overview

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

    Direct Billing

    Through First Health PPO Network

    Acute onset of pre-existing conditions

    Unexpected recurrence of pre-existing condition coverage

    Unexpected recurrence of pre-existing condition coverage: coverage to $1,000 for ages <70 Learn More coverage to $1,000 for ages <70 Learn More
    • US Urgent Care
      $30 copay, unless $0 deductible
    • Walk-In Clinic
      $15 copay, unless $0 deductible
    • Wellness Visit
      One wellness visit
    • COVID-19
      Excluded

    Plan Details

    Safe Travels USA Comprehensive

    Underwriter: Zurich Insurance Europe AG Belgian branch

    Coverage Availability 5 Days to 364 Days

    Quotes & Purchase

    Overview

    After deductible, pays 100% to policy maximum.

    Direct Billing

    Through First Health PPO Network

    Acute onset of pre-existing conditions

    coverage to $20,000 for ages <65; $10,000 for ages 65-69

    Coverage to $20,000 for ages <65; $10,000 for ages 65-69 Learn More coverage to $20,000 for ages <65; $10,000 for ages 65-69 Learn More
    • US Urgent Care
      $30 copay, unless $0 deductible
    • Walk-In Clinic
      $15 copay, unless $0 deductible
    • Wellness Visit
      One wellness visit
    • COVID-19
      Included

    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 80% 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

    Coverage to policy max for ages <70 Learn More 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

    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
    • COVID-19
      Excluded

    Plan Details

    Patriot America Platinum®

    Underwriter: SiriusPoint Specialty Insurance Corporation

    Coverage Availability 5 Days to 3 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

    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
    • US Urgent Care
      $25 copay, unless $0 deductible
    • Walk-In Clinic
      $15 copay, unless $0 deductible
    • COVID-19
      Included

    Plan Details

    Compare Plans

    Select Another {{ plansToCompare.length }} Plans Selected

    Did you know?

    Prices are regulated by law.

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

    Learn More

    Why buy insurance from us?

    One stop shop.

    Instant Quotes & Purchase for Student, Travel & Visitors Insurance.

    This website uses cookies, some of which are essential for the functionality of the website while others are for improving user experience and personalization. By continuing to browse this website, you agree to our use of cookies. For information about your privacy, please read our Privacy Policy and Terms of Use.