COMPARE BENEFITS: Health Insurance for International Students

Deciding to study in another country is an exciting step. Choosing an international student health insurance plan with comprehensive and reliable coverage will help you focus on what matters so you can make the most of your experience. StudyUSA-HealthCare offers four plan levels to meet every need and budget: Basic, Standard, Preferred 300 and Preferred 500. Refer to the table below to see the benefits and limits offered for each plan. If you have questions, contact us!

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Basic

Standard

Preferred 300

Preferred 500

Maximum Medical Limit

$200,000

$200,000

$300,000

$500,000

Maximum Injury or Illness

$100,000

$100,000

$300,000

$500,000

Pre‑Existing Condition Waiting Period

No coverage for pre-existing conditions

12 Months

12 Months

6 Months

Deductible
(except Emergency Room)

$100 per Injury or Illness with the Preferred Provider Organization or Student Health Center; otherwise $150 per Injury or Illness

$50 per Injury or Illness with the Preferred Provider Organization or Student Health Center; otherwise $150 per Injury or Illness

$45 per Injury or Illness with the Preferred Provider Organization or Student Health Center; otherwise $90 per Injury or Illness

$25 per Injury or Illness with the Preferred Provider Organization or Student Health Center; otherwise $50 per Injury or Illness

Emergency Room Deductible

$500 per incident

$350 per incident

$250 per incident

$100 per incident

Prescription Drugs

For outpatient prescriptions: 50% of actual charges

For outpatient prescriptions: $10 generic / $20 brand name

For outpatient prescriptions: $10 generic / $20 brand name

For outpatient prescriptions: $10 generic / $20 brand name

Wellness

N/A

100% of one routine physical exam per member

100% of one routine physical exam per member

100% of one routine physical exam per member

Physical Therapy & Chiropractic Care

$25 per visit per day. Must be ordered in advance by a physician and not obtained at a student health center.

$50 per visit per day. Must be ordered in advance by a physician and not obtained at a student health center.

$50 per visit per day. Must be ordered in advance by a physician and not obtained at a student health center.

$75 per visit per day. Must be ordered in advance by a physician and not obtained at a student health center.

Dental Treatment
(Due to Accident)

N/A

N/A

$1,000 maximum per certificate period

$1,000 maximum per certificate period

Dental Treatment
(to alleviate pain)

N/A

N/A

$100

$100

Mental Health Disorders (Excludes drug and alcohol abuse)

Outpatient: $50 maximum per day, $500 maximum. Inpatient: up to $5,000

Outpatient: $50 maximum per day, $500 maximum. Inpatient: up to $5,000

Outpatient: $50 maximum per day, $500 maximum. Inpatient: up to $10,000

80% in network; Out of network: Usual, reasonable and customary. Outpatient: Maximum of 30 visits. Inpatient: Maximum of 30 days.

Emergency Medical Evacuation

$50,000 lifetime maximum

$250,000 lifetime maximum

$500,000 lifetime maximum

$500,000 lifetime maximum

Accidental Death & Dismemberment

$10,000 lifetime maximum

$25,000 lifetime maximum

$25,000 lifetime maximum

$25,000 lifetime maximum

Repatriation of Remains

$25,000 lifetime maximum

$25,000 lifetime maximum

$25,000 lifetime maximum

$25,000 lifetime maximum

Maternity Care for Covered Pregnancy

N/A

80% in network. Out of network: usual, reasonable and customary.

80% in network. Out of network: usual, reasonable and customary.

80% in network. Out of network: usual, reasonable and customary.

Intramural, Intercollegiate, Interscholastic or Club Sports

N/A

$2,500 maximum per injury or illness, medical expenses only

$5,000 maximum per injury or illness, medical expenses only

$5,000 maximum per injury or illness, medical expenses only

Terrorism

$50,000 lifetime maximum

$50,000 lifetime maximum

$50,000 lifetime maximum

$50,000 lifetime maximum

Emergency Reunion

$1,500, subject to a maximum of 15 days

$2,500, subject to a maximum of 15 days

$2,500, subject to a maximum of 15 days

$5,000, subject to a maximum of 15 days