Foreign students studying in USA on F1 visa, enrolled in graduate or undergraduate program can take up a practical training job known as OPT (Optional Practical training). OPT students can work without H1B visa for up to 12-29 months, depending on their field of study. Students on M-1 visa may also take up OPT for maximum period of six months. They are allowed for one month training with four months of study.

During this period of OPT, a student may not be eligible for regular student health insurance. Such a student may purchase short-term insurance from private insurance companies, who can provide health coverage for this period until students remain on OPT or even gets work permit like H1 Visa.

HCC Life STM

Underwriter: HCC Life Insurance Company

AM Best Rating: A+

Plan pays 80% or 50% of the first $5,000, then 100%

  • Good for people transitioning between jobs or insurance plans.
  • No Out-of-Network Penalties
  • Low Copay at Urgent Care Centers
  • 10 day free look-up period
  • No application fee
  • Subject to an association membership fee - $5/monthly or $0.17 daily
  • Choice of 80/20% or 50/50% coinsurance of the next $5,000 of eligible medical expenses.
  • Coverage from 1 to 6 months. Certain states may provide coverage up to 11 months.
  • No Pre-existing conditions coverage
  • Coverage up to $2 million policy maximum.
  • Only available for residents of CA, CO, CT, MD, IA, RI, NH & WA

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HCC STM Complete

Underwriter: HCC Life Insurance Company

AM Best Rating: A+

Plan pays 80% or 50% of the first $5,000, then 100%

  • Good for people transitioning between jobs or insurance plans.
  • No Out-of-Network Penalties
  • Low Copay at Urgent Care Centers
  • 10 day free look-up period
  • Choice of 80/20% or 50/50% coinsurance of the next $5,000 of eligible medical expenses.
  • No application fee
  • Coverage from 1 to 6 months. Certain states may provide coverage up to 11 months.
  • Up to $2 million policy maximum.
  • Available for residents of AK, AL, AR, AZ, DC, DE, FL, GA, HI, ID, IL, IN, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, VA, WI, WV, WY

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IHC Secure LITE

Underwriter: Standard Security Life Insurance Company of New York

AM Best Rating: A-

Plan pays 80% or 50% up to first $10,000, then 100%

  • Good for people transitioning between jobs or insurance plans, return from military duty or newly hired.
  • $50 office visit copay
  • 10 day free look-up period
  • $20 application fee
  • PPO Network: MultiPlan & ACS
  • Choice of 80/20% or 50/50% coinsurance for up to first $10,000 of eligible medical expenses.
  • Coverage from 30 days to 364 days.
  • The plan may not provide benefits for any loss caused by or resulting from a pre-existing condition.
  • Coverage up to $750,000 policy maximum.
  • Not available for residents of CT, MA, NH, NJ, NY, ND, VT & WA

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IHC Secure STM

Underwriter: Standard Security Life Insurance Company of New York

AM Best Rating: A-

Plan pays 80%, 70%, or 50% up to first $10,000, then 100%

  • Good for people transitioning between jobs or insurance plans, return from military duty or newly hired
  • $50 office visit copay
  • 10 day free look-up period
  • $20 application fee
  • PPO Network: MultiPlan & ACS
  • Choice of 80/20%, 70/30% or 50/50% coinsurance for up to first $10,000 of eligible medical expenses.
  • The plan may not provide benefits for any loss caused by or resulting from a pre-existing condition.
  • Coverage from 30 days to 364 days.
  • Coverage up to $2 million policy maximum.
  • Not available for residents of CT, MA, NH, NJ, NY, ND, VT & WA

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Pre-Certification Requirements




Short Term Major Medical

Underwriter: Lloyd's

AM Best Rating: A

Plan pays 100% up to policy maximum of $1,000,000

  • Good for people transitioning between jobs or insurance plans
  • No PPO network, go to any doctor or hospital
  • No Copay or Coinsurance
  • No application fee
  • Coverage from 1 to 11 months
  • No pre-existing condition coverage
  • Coverage up to $1 million policy maximum
  • Not available in AK, DE, IA, KY, MD, MO, MS, MT, NC, NE, NJ, NY, RI, SD, TN
  • Eligibility: 14 days to 64 years
  • No cancellation/refund available
  • No renewal options. You can purchase the policy again up to 11 months total within a 13 month period.

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