Health Insurance for OPT Students

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 health 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.

STMM Short Term Major Medical

Underwriter: Lloyd's
AM Best Rating: A
Plan pays 100% up to policy maximum of $1,000,000
  • Available for up to age 64.
  • No Coinsurance or separate co-pay
  • Coverage from 1 to 3 months
  • Coverage up to $1 million policy maximum
  • 10 day free look-up period, no cancellation or refund available after that
  • Not renewable
  • Only available to residents of: Arizona, California, Connecticut, Georgia, Illinois, Minnesota, Texas,Louisiana, Oklahoma and Virginia

IHC IHC Secure

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%
  • Available up to age 64
  • Two options available- Secure STM and Secure Lite
  • For Secure STM:Plan pays 80% or 50% for first $10,000 and then 100% up to $2 million
  • For Secure Lite: Plan pays fixed limited dollar amount for each service and treatment up to policy maximum of $750,000
  • 10 day free look-up period, no cancellation or refund available after that.
  • Extra $25 application fee
  • Available to residents of: Alaska, Arizona, Arkansas, California, District of Columbia, Florida, Georgia, Idaho, Iowa, Kansas, Kentucky, Maine, Maryland, Minnesota, Missouri, Nebraska, North Dakota, Oregon, Pennsylvania, Utah, Virginia
Information provided here is high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.