Health Insurance for OPT Students

Find your OPT health insurance options. Being in the US on an Optional Practical Training (OPT) visa marks an exciting phase in your life. Having completed your education and secured employment in your field of study, you’re likely embarking on a promising career path. It’s essential to prioritize your safety and well-being during this period.

OPT visa holders are not subject to government-mandated health insurance requirements. Occasionally, your educational institution may specify a minimum level of medical insurance coverage but might offer limited guidance. We’re available to assist you in finding an appropriate plan for your training duration in the US.

Related: Building Your Career: Understanding OPT Employment Types

OPT Insurance Requirements

You and any dependents must adhere to the insurance policies established by your educational institution. Some schools may mandate the purchase of school-affiliated insurance, while others offer the flexibility to opt out and select your insurance coverage.

The initial step involves contacting your school to inquire about insurance requirements and whether they offer a sponsored F1 insurance plan for OPT visa holders. If such a plan exists, inquire about the possibility of adding dependents if applicable.

Ensure to obtain comprehensive information regarding the medical insurance plan, including costs and coverage details. Additionally, inquire about the option to waive the school’s plan in favor of purchasing your coverage. If you have the choice to opt out of the school’s plan, it is likely mandatory to obtain your insurance.

Recommended OPT health insurance plans

StudentSecure Insurance:

• Offers Medical, Dental, Evacuation, and Additional Benefits
• Maintain your coverage for multi-year academic programs
• Access medical services in more than 130 countries globally

GeoBlue Student Medical Coverage

• Tailored global medical coverage designed for students and faculty both domestically and internationally.
• Opt for various deductibles and premiums.
• Select healthcare providers from within or outside our premier network.

Tip: A more economical Travel Insurance Plan could be adequate. Compare the benefits required by your school with those provided by your selected plan. If you desire a more extensive coverage, contemplate an International Health Insurance Plan like Cigna Global.

Employer-Sponsored OPT Insurance Option

It is possible that your OPT employer may offer medical insurance, but such coverage might not include expenses for medical evacuation or repatriation of remains for individuals residing internationally. In such cases, acquiring additional coverage becomes necessary.

Medical insurance plans differ significantly in coverage and cost. When selecting a plan, carefully assess your own requirements and those of your family, if applicable.

Securing suitable medical insurance coverage is crucial to safeguarding yourself and your family against potential medical expenses. The cost of medical treatment for an accident or illness in the US could potentially surpass the annual income from your OPT employment.

Keep in mind that health insurance coverage has specific limits, and any costs exceeding these limits are your responsibility. Moreover, do not assume that all treatments will be covered regardless of the circumstances. Pay close attention to the “Exclusions and Limitations” sections of the insurance plan to understand what is not covered or has limited coverage.

As an OPT visa holder, there are several essential features you should ensure your health insurance plan covers.

Medical Insurance for OPT Students

Your educational institution might establish the minimum medical coverage necessary for your OPT insurance plan. If not, assess your own financial capacity to determine the appropriate coverage level.

Medical coverage encompasses a maximum limit that your insurance plan will reimburse. It also consists of a deductible and a percentage of the expenses that your insurance plan will cover.

Please note that not all individuals on an F-1 OPT visa qualify for every OPT insurance plan. Factors that may impact eligibility include:

• If you have previously held domestic insurance (such as coverage provided by your school), you might not meet the eligibility criteria for OPT Student Insurance. Instead, consider short or long-term insurance options.
• If your employer offers insurance but you find it financially burdensome, you cannot purchase OPT insurance.
• Upon graduation from school, you become ineligible for international student insurance.

Emergency Medical Evacuation for OPT Students

You might question the purpose of emergency medical evacuation insurance and its necessity. In the event of injury or illness where the nearest medical facility cannot offer appropriate care, this coverage enables transportation to the nearest facility capable of providing adequate treatment.

The decision regarding the necessity of transportation is made by the attending physician and the insurance company. Emergency medical evacuation insurance does not ensure travel to your home country.

OPT Insurance Coverage Level Options

With the StudentSecure Insurance plan, you have several options for the level of coverage desired.

• Platinum / Elite – Offers the highest level of coverage with a maximum medical benefit of $5,000,000 ($500,000 per illness). Coverage for preexisting conditions starts after six months, with benefits for maternity and college sports.
• Gold / Select – Provides good coverage with a maximum medical benefit of $600,000. After the deductible, it covers 80% of expenses up to $5,000, then 100% up to the maximum amount. Preexisting conditions are covered after six months, and there are benefits for maternity and college sports.
• Silver / Budget – A budget-friendly option with a maximum coverage of $500,000. After the deductible, it covers 80% of expenses up to $25,000, then 100% up to the maximum medical benefit. Preexisting conditions are covered after 12 months, with some coverage for maternity and college sports.
• Bronze / Smart – The most affordable plan, offering a maximum benefit of $200,000. After the deductible, you pay 80% of the maximum coverage amount. Coverage for preexisting conditions is provided only for acute onsets, with no coverage for college sports or maternity.

How Much Does an OPT Insurance Plan Cost

The plans vary in price, starting from $35 and going up to $100 per month. On average, an OPT applicant can expect to pay around $50 per month for a typical plan. The cost may vary depending on factors such as your age, selected deductible, and included benefits.

Now that you have some insight into purchasing medical insurance coverage, best of luck with your research and decision-making process to find the most suitable option for your needs.

Our Recommended OPT Insurance Plans
Student Secure Plan:  Learn More  |  Free Quote / Apply
Navigator for Student:  Learn More  |  Free Quote / Apply