Best health insurance for OPT Students in USA

Health insurance for STEM OPT students in USA

International student medical insurance

International students in the United States after completing their required academic coursework (some students choose to graduate, but others might not have formally graduated) but are still in their US international student F1 visa status will enter the Optional Practical Training (OPT) program.

As part of the OPT program, international students are temporarily employed in their major area of study and OPT is the work permit for them to work in their specialized field.

It works as employment authorization for F1 students. This is a transition period for F1 visa holding international students to become a full time employees, however, they are not eligible for the school health insurance as they are not enrolled in academic coursework, and they usually do not get health insurance from their employer given their current temporary nature of employment.

It is during this period that short-term insurance for opt students will cover any kind of medical assistance due to an unforeseen illness or injury.

At American student insurance, we help international students find the appropriate international student medical insurance. Similarly we have a comparison facility for medical insurance for opt students. To give more insight and information on suitable plans for OPT holders, American Visitor Insurance has a compare OPT student health insurance utility.

There are some best health insurance for international students on opt. Students can also get an instant quote in this page by entering their age, start date(insurance effective start date) and the end date. This will provide the price information on the stem opt health insurance that are displayed for the input values entered.

Here, for each opt us student health insurance the maximum coverage and the deductible values can be varied to get the price for preferred coverage and deductible options. The "Know more" link will navigate the customer to the product page of the plan where all the details about that particular plan are available. The "Purchase now" button will navigate the customer to the insurance BUY page of the plan chosen where the customer can continue to fill out the application and purchase the US health insurance for OPT students.

Some more resourceful health insurance for opt international students information is available here where students can find the important student health insurance factors to consider before buying the popular OPT health insurance and the reason for buying insurance while on the OPT status.

One of the best health insurance plans for opt students is the Atlas America Insurance plan offered by WorldTrips. Atlas America insurance plan by WorldTrips is health insurance for f1 opt students that one can have even after completing formal coursework and while on the OPT status.

International Student Health Insurance Coverage highlights

International student insurance benefits for students

Best health insurance for OPT students in USA, OPT student health insurance

Best health insurance for OPT students in USA

  • Comprehensive plan with worldwide coverage including and excluding the US for visitors traveling outside their home country.
  • Plan is suitable for OPT holders, H1 Visa holders, Green Card holders as a temporary health insurance plan during transition.
  • Acute onset of pre-existing conditions covered up to the age of 79 years.
  • No arrival time restriction with this plan to come to the US.
  • This is a student insurance plan for international students and exchange scholars enrolled in full time University.
  • Covers Pre-existing conditions after 12 months of waiting period.
  • It is a very affordable plan and meets J visa requirements and F Visa for international students.
  • Unique feature of this plan is J2 and F2 visa holders can buy this plan without J1 and F1 Visa holders being on the plan.
  • The student can buy this plan with a sports rider to cover activities such as downhill skiing.
  • This plan provides coverage for Corona and provides a policy maximum of $500,000
  • This plan is available for full time students enrolled in a college or University
  • Full time scholar affiliated with an educational institution and performing research for at least 30 hours per week.
  • People holding an F1 Visa ,OPT or a J1 Visa are eligible to buy this plan.
  • Students must reside outside their home country for the purpose of pursuing international educational activities.
  • Acute onset of pre-existing condition is covered for $25k lifetime maximum for eligible expenses.
  • Coverage that meets the requirements of many programs and schools at a budget-friendly rate.
  • Comprehensive plan for US citizens living abroad and Non US citizens visiting the US
  • Plan is suitable for OPT holders and does not have any arrival time restriction in the US.
  • This plan provides coverage for acute onset of pre-existing conditions upto the age of 70.
  • Plan is renewable for up to 2 years
  • Plan provides coverage for adventure sports with the optional rider.
  • This plan is for Non Us citizens and Non US residents visiting the US.
  • This plan is an ideal for students, study abroad and international exchange students.
  • This plan is available to the US citizens visiting US on business trips and vacation while living abroad. There is a requirement for a valid international address
  • The plan covers 80% of eligible expenses up to $5000 and then covers 100% after the deductible.
  • Covers pre-existing condition with 24 months waiting period.
  • It also has an excellent sports rider option that covers wide variety of adventure sports including collegiate sports, mountain climbing, skiing etc.
  • Coverage for non-U.S. Residents and non-U.S. Citizens while traveling outside of Your Home Country.
  • Acute onset of pre-existing conditions covered up to the age of 79 years.
  • Within the US, the co insurance of this plan for in network PPO pay 100% after the deductible and for outside the PPO the plan pays 90% of the first $10,000 in covered expenses, then 100% to the medial maximum.
  • Outside the US the co insurance for the plan is covered for 100%
  • Cardiac Condition coverage covers in worldwide including the United States.
  • This plan is for Non Us citizens and Non US residents visiting the US.
  • This plan is an ideal for students, study abroad and international exchange students.
  • It also has an excellent sports rider option that covers wide variety of adventure sports including collegiate sports, mountain climbing, skiing etc.
  • This plan can be available for minimum of 3 months to 365 days per policy period.
  • This plan can be renewed online up to maximum up to 3 years.
  • Covers Sudden Recurrence of a Pre-existing Condition up to $20k; ($2,500 for age 65 and older)
Key Highlights of Visitors Care

International health insurance for students

  • Available for F1/F2 and J1/J2 Visa holders and their dependents.
  • Might need minimum hours enrolled in institution.
  • Health insurance for f1 students, satisfy F1 visa insurance requirements.
  • Obamacare students insurance.
  • Good F1 student visa health insurance coverage available at affordable price.
  • Best student group insurance for 2 or more students.
  • Maternity and newborn care for covered pregnancy available.
  • Filling of the waiver form available after buying international student health insurance USA.
  • Best OPT health insurance for international students on OPT status.

OPT Student insurance, Health insurance for F1 OPT students - FAQ's

01. How much do F1 opt health insurance cost?

The OPT Student Health Insurance Plans cost varies depending on the age of the OPT student and the duration of coverage required. The older the student the higher will be the OPT medical insurance cost. The longer the duration of travel insurance required, the greater will be the cost of health insurance for students on opt.

Our Health insurance for OPT students quote comparison facility lists the opt student health insurance plans that satisfy your requirements comparing them based on price and benefit. Compare health insurance for OPT students on American Visitor Insurance to get free OPT medical insurance quotes and find the best f1 opt health insurance online.

02. Why buy medical insurance when on the OPT status?

  • International Students with the F1 visa are eligible to get internship on a work permit for 36 months for STEM (Science, Technology, Engineering, Math) students and 12 months for non STEM students.
  • Since these students are no longer taking courses in the university, they are not eligible for student insurance.
  • International students cannot buy domestic insurance plans as they are not US citizens or US permanent residents (Green card holders).
  • We offer insurance plans for OPT students which are both affordable and comprehensive in their coverage.

03. What type of medical insurance is recommended for OPT students?

Comprehensive F1 visa OPT student health insurance that includes medical emergencies, doctor visits and prescription medications is recommended. Compare the different F1 visa OPT insurance options on American Visitor Insurance and ensure that the plan meets your needs when you are on the OPT status.

04. What are important factors when selecting the best OPT health insurance plan?

Important factors to consider include the medical coverage limits, deductible and co-insurance amounts, benefits for different medical expenses, the PPO network availability, coverage for any pre-existing medical conditions, and any other specific features that you require.

05. When should F1 OPT students buy health insurance?

F1 OPT students should ideally buy OPT health insurance coverage before the start of their OPT period to ensure continuous protection as they transition from the F1 visa student insurance to the OPT status.

06. Is health insurance mandatory for F1 OPT students?

The US government does not make it mandatory for F1 OPT students to have health insurance. However given the extremely high cost of US health insurance, it is highly recommended that international students buy OPT health insurance as they start their working career in the US. The risks of not having the best OPT health insurance is simply too high.

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OPT Student Medical Insurance
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Best health insurance for OPT Students in USA.

Best insurance for international students

Cheapest medical insurance for F1 students

Students when they travel outside their home country to study along with the university academic experience also get an opportunity to experience a new culture and to see different parts of the world and meet new people with varied backgrounds. We work with several US insurance providers that offer excellent student F1 health insurance.

We have developed an excellent compare F1 visa student travel insurance tool and have article and FAQ's with information for the best travel insurance for F1 students studying abroad. Our international student insurance plan comparison facilities lists the travel insurance for students that satisfies the f1 visa health insurance requirements.

Student health insurance

Students can find the affordable health insurance for international students in USA as well as outside the USA. Other than the cost, we also display relevant coverage details of health insurance for international students on F1 visa studying in the USA.

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US visitors insurance providers

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

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