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Health Insurance for OPT Students

OPT Insurance is for students in the U.S. working a practical training job known as OPT (Optional Practical training).

Showing 4 of 4 plans

Student Secure - Budget

Comprehensive CoverageComprehensive Coverage A.M. Best Rating: A
Underwriter: Lloyd's of London

In Network:80% of first $25000, 100% thereafter.

Out of Network:100% of URC.

Benefits
Eligibility
Purchase Restrictions
Plan FAQs
  • COVID-19 Coverage
  • After the deductible, plan pays 80% up to $25,000 and then 100% of eligible medical expenses within the United Healthcare PPO network; outside the PPO network, plan pays URC of eligible medical expense up policy maximum
  • Acute Onset of Pre-Existing Condition Coverage
  • Pre-Existing Condition: 12-month waiting period
  • Outpatient Treatments
  • Maternity Care for Covered Pregnancies
  • Mental Health Disorders
  • Sports & Activities
  • Emergency Medical Evacuation
  • Coverage up to 364 days (Renewal for up to 4 years of continuous coverage)
  • Optional Intercollegiate, Interscholastic, Intramural, or Club Sports Rider
Student Secure - Smart

Comprehensive CoverageComprehensive Coverage A.M. Best Rating: A
Underwriter: Lloyd's of London

In Network:80% up to policy maximum.

Out of Network:100% of URC.

Benefits
Eligibility
Purchase Restrictions
Plan FAQs
  • COVID-19 Coverage
  • After the deductible, plan pays 80% of eligible medical expenses within the United Healthcare PPO network; outside the PPO network, plan pays URC of eligible medical expense up policy maximum
  • Acute Onset of Pre-Existing Condition Coverage
  • Outpatient Treatments
  • Mental Health Disorders
  • Sports & Activities
  • Emergency Medical Evacuation
  • Coverage up to 364 days (Renewal for up to 4 years of continuous coverage)
  • No Additional Coverage Opts Available
Student Secure - Elite

Comprehensive CoverageComprehensive Coverage A.M. Best Rating: A
Underwriter: Lloyd's of London

In Network:100% up to policy maximum.

Out of Network:100% of URC.

Benefits
Eligibility
Purchase Restrictions
Plan FAQs
  • COVID-19 Coverage
  • After the deductible, plan pays 100% of eligible medical expenses within the United Healthcare PPO network; outside the PPO network, plan pays URC of eligible medical expense up policy maximum
  • Acute Onset of Pre-Existing Condition Coverage
  • Pre-Existing Condition: 6-month waiting period
  • Outpatient Treatments
  • Maternity Care for Covered Pregnancies
  • Mental Health Disorders
  • Sports & Activities
  • Emergency Medical Evacuation
  • Coverage up to 364 days (Renewal for up to 4 years of continuous coverage)
  • Optional Intercollegiate, Interscholastic, Intramural, or Club Sports Rider
  • Optional Accidental Death & Dismemberment Rider
  • Optional Crisis Response Rider
Student Secure - Select

Comprehensive CoverageComprehensive Coverage A.M. Best Rating: A
Underwriter: Lloyd's of London

In Network:80% of first $5000, 100% thereafter.

Out of Network:100% of URC.

Benefits
Eligibility
Purchase Restrictions
Plan FAQs
  • COVID-19 Coverage
  • After the deductible, plan pays 80% of the first $5,000 then 100% of eligible medical expenses within the United Healthcare PPO network; outside the PPO network, plan pays URC of eligible medical expense up policy maximum
  • Acute Onset of Pre-Existing Condition Coverage
  • Pre-Existing Condition: 6-month waiting period
  • Outpatient Treatments
  • Maternity Care for Covered Pregnancies
  • Mental Health Disorders
  • Sports & Activities
  • Emergency Medical Evacuation
  • Coverage up to 364 days (Renewal for up to 4 years of continuous coverage)
  • Optional Intercollegiate, Interscholastic, Intramural, or Club Sports Rider
  • Optional Accidental Death & Dismemberment Rider
  • Optional Crisis Response Rider

Disclaimer

Plan features listed here are 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.