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.