PPO / Insurance Carrier / Agent Differences

November 23rd, 2020 by Eric Bloodworth

Agencies, Networks, and Carriers, Oh My!

As you’ve surely noticed by now, the healthcare system in the United States is a bit tricky. Agents, insurance carriers, PPO networks, — surely they’re all the same thing, right? Unfortunately not, but we will be going through what these mean and how they work together to make your insurance plan work. 

ISI – Your Trusted Insurance Agent

We, at ISI, are insurance agents. Insurance agents typically offer multiple plans from different insurance carriers, and can help you select an appropriate plan that would suit your situation. The main insurance carriers that we work with are Tokio Marine HCCMIS, International Medical Group (IMG), Seven Corners, GeoBlue, and Point Comfort Underwriters. We can answer questions about the benefits of the plans, help you purchase the plan, and help you through the claims filing process. We are also happy to help you cancel your plan, extend your plan, and send you information about your plan such as your ID card, visa letter, and other policy documents. 

The Insurance Carrier

Insurance carriers are the companies that actually issue your insurance policy and will pay medical bills for your eligible medical expenses. The insurance carrier is the company that will collect your premium for your plan, and issue refunds if you cancel your plan. The insurance carrier will also be able to verify benefits for a specific treatment when you are at the doctor’s office. 

Network of Doctors, Hospitals & Clinics

When you are trying to go to a doctor’s office for a visit, the doctor’s office probably will not recognize the names of the insurance carriers that we use, like Tokio Marine HCCMIS, IMG, or Point Comfort Underwriters. Luckily, our plans are Preferred Provider Organization (PPO) plans. A Preferred Provider Organization is essentially a group of doctors, hospitals, physicians, and other service providers who are contracted and agree to a standard price list for common services. Many of our plans use the UnitedHealthcare PPO Network, which is one of the largest PPO networks in the United States. A doctor’s office may not recognize the name of our insurance carriers, however they will know whether or not they are a part of the PPO network. If the doctor’s office does accept the PPO network that your plan uses, the doctor’s office will be considered “in-network”. Going to an in-network doctor will allow the doctor’s office to directly bill the insurance carrier. This means fewer out of pocket costs for you at the time of service. 

How These Parties Work Together to Process a Claim

After visiting the doctor, you will need to file a health insurance claim in order to have your eligible medical expenses covered. Typically, this involves filling out a short claims form which details why you went to the doctor, and attaching any receipts or bills that you may have received from the doctor’s office. These then need to be sent into the insurance carrier. Please feel free to reach out to your insurance agent, and we are happy to guide you through the claims filing process or you can go to your Student Zone to start the claim process. 

While insurance agents can assist you through the claims filing process, insurance agents do not have access to your claims information, due to a medical privacy law in the United States called HIPAA. This law essentially allows your personal medical information to only be shared with people that you explicitly name. When filling out a claims form, you will sign a HIPAA authorization form for the Insurance company, so that they can access your relevant medical information for your visit to the doctor. 

As puzzling as all of this is, ISI works closely to ensure seamless coverage to make the process as painless as possible for international students. Please feel free to reach out to us with any questions that you may have!

Holiday Video Contest: What Do the Holidays Mean to You?

November 20th, 2020 by Natalie Holland

This year we are launching a Holiday Video Contest where we can learn all about your traditions, memories, favorite recipes, and more. Show us whatever you would like to film about your holiday season! Some topic suggestions will be shared in the following month on our social media pages if you need some inspiration. The best part is, when you submit a video you gain the chance to win a $25 gift card sent right to your email. 

We can’t wait to hear from you. Want to learn how to participate? Here are the contest rules:

  • Your video should be 1 minute or less.
  • You can film right on your phone, but it must be filmed horizontally/landscape.
  • Once you’ve filmed your video, send us a private message on Facebook here. We will reply back letting you know we have received your entry.
  • The contest will remain open until Thursday, January 3, 2021 at 12am EST and a winner will be announced the following week.

We want your holiday season to be full of great memories, let us be one of them this year. If you have any questions about the contest please send us a message on Facebook and we will get back to you.

*Please note that entering the contest means you agree to your video being shared on the International Student Insurance social media pages and on our blog.

STD’s: Resources and Health Considerations for International Students

October 20th, 2020 by Yessica Prato

The last thing you heard about growing up in a catholic household in South America, if you heard about it at all, were topics like sex or sexually transmitted diseases (STD). I remember the first and only time I heard about sex education in Colombia was one day in 4th grade at my catholic school. They’ve invited a few experts and had us watch a short documentary on why abstinence was the only way to avoid STD’s. Up to that point, no one addressed what sex or STDs were, only that they were bad for your health.

In the US, these topics are addressed more frequently and more openly. For a person that comes from a very conservative household, it was a bit of a cultural shock to hear people talk about sex and sexually transmitted diseases in such a manner. Those subjects remain tabooed in many parts of my home country to this date. However, it is important to be knowledgeable about these subjects as an international student wherever you go so you can protect yourself and stay safe during your international experience. 

So let’s start with defining what a sexually transmitted disease (or infection) is:
An STD (sexually transmitted disease) or STI (sexually transmitted infection) are diseases or infections that can only be spread through infected body fluids or skin. As their name states, generally they are contracted when someone has sex. 

And why is this important? 

According to a report from the US Centers for Disease Control (CDC), there were over 2.4 million combined cases of STDs in 2018 in the US. Women between the ages of 15 to 24 years old account for 44% of reported cases of Chlamydia, men accounted for 86% of reported cases of Syphilis, and Gonorrhea diagnoses have almost doubled among gay and bisexual men in the past five years. 

Sex Education

A study done in 2014 by the University of Cincinnati examined Asian college students’ overall knowledge of sex and STD’s. The results indicated that overall knowledge of these subjects in male students was very low. The study also found that students who had lived in the US for at least 3 years held significantly higher knowledge of these subjects than their counterparts. As you can see, part of your international experience is likely to expose you to more effective sex education when it comes to preventative action. 

Protecting yourself from an STD or an STI is the best way to ensure you don’t have a bad experience in a foreign country. Here are some tips to help you stay safe:

  • Talk to your doctor: There isn’t a question that your medical professional has not heard or will hear during their career! They are the best source of information and advice when it comes to sexual education. Remember, anything you tell your doctor is private and protected under HIPAA
  • Student Health Centers: Many universities across the US have a student health center. Sometimes, they will even give out condoms for free! Check with your university to see what resources they have in place that promote safe and responsible sex. 
  • Health or Wellness days: Again, many institutions will have days where they may invite different health organizations to create awareness of safe sex practices. Look out for those days and see what your school has to offer.
  • Sexual Education: Websites like the CDC or John Hopkins Medicine offer several resources on sexual education and ways to keep you safe.

Health Insurance

It’s always best to make sure you are covered for STD’s and STI’s by your insurance plan. Not all insurance plans are created equal so be sure to contact your insurance company and confirm your benefits. Here are some of our plans that include coverage for testing and treatment of STD’s and STI’s, including HIV, like any other new condition:

Navigator Plan Cigna Global Xplorer Plan
Navigator Plan Cigna Global Xplorer Plan
Learn More Learn More Learn More

In the unfortunate event that you are faced with an STD, be sure to seek out medical treatment as soon as possible and follow your doctor’s advice. With the increased cases of COVID-19, telemedicine might be offered through your insurance plan and most doctors are able to give you initial guidance if you are worried about a sexual transmitted disease or infection. 

Introducing the Patriot Exchange plan

October 15th, 2020 by Alexis Ponce

We’re pleased to announce the new Patriot Exchange plan, which is now available for purchase on our website.

The Patriot Exchange plan is an excellent option for international students or scholars, on F-1 and J-1 visas and this plan will also allow them the option to add dependents to the policy.  Additionally, the dependents could also apply on their own for this plan. This would mean that an F-2 or J-2 visa holder would be able to purchase the plan without needing an F-1 or J-1 visa holder to be the main policyholder!

This plan is designed to provide you with coverage for new, eligible illnesses or injuries that occur after the effective date of the plan and aren’t tied to any of the plan’s exclusions.

Some highlights of the plan include:

  • Doctor’s visits and hospitalizations
  • Mental health
  • Prescription medications
  • Medical evacuation and repatriation of mortal remains
  • COVID-19 covered the same as any other illness

To review the benefits table, please click here.

This plan offers a $5,000,000 policy maximum but it will allow the insured person to choose their policy maximum  per injury/illness, as well as the deductible. The policy maximum options would be  $50,000, $100,000, $250,000, or $500,000 and the deductible options are $0, $100, $250 or $500 and they would apply per every new condition. After the deductible has been paid, the plan offers 100% of coverage when you visit providers within the UnitedHealthcare network.

Another important highlight of this plan would be that visits to the student health center, walk-in or urgent care clinics would be subjected to a copay and the deductible would not apply! For visits to the student health center, the copay would only be $5, while for the Urgent care center and walk-in clinics, it would be $50 and $20, respectively. If your plan has a $0 deductible, none of these copays would apply.

IMPORTANT: J-1/J-2 visa holders would need to purchase a plan with a policy maximum of at least $100,000 per injury/illness in order to be compliant with the insurance requirements set by the US Department of State for J visa holders.

If you’re not sure which plan is the best option for you, you can always contact our friendly customer service representatives, which will be more than happy to assist you in finding the best plan option for your personal needs.

Understanding Insurance Plan Networks

October 2nd, 2020 by Natalie Holland

When it comes to considering which insurance plan is right for you, it is important to familiarize yourself with the insurance plan’s network of doctors, hospitals or clinics – often referred to as a provider network. A provider network is essentially a list of doctors, hospitals and clinics where you can get medical attention.

Before purchasing an insurance plan, take the time to find out where you can go, and make sure you can get to them easily. If you already have a relationship with a doctor, you may want to confirm that they are part of the plan’s network otherwise filing a claim may be more difficult (and depending on your plan, you may have to pay more out of pocket).

Why is a Provider Network so Important? 

Our Student Secure plan works with the UnitedHealthcare network, one of the largest networks in the U.S.

Health insurance costs in the US are very expensive, so many insurance companies will negotiate the rates directly with doctors, hospitals and clinics. As part of this arrangement, you will often pay less out of pocket and filing a claim will be much easier. Before even enrolling in an insurance plan, it’s important to search what options you have, and make sure that you can easily get there if you need to seek medical attention.

Let’s take a closer look at the advantages of going to a doctor, hospital, or clinic that is in your insurance plan’s network. 

Save on Costs

One of the advantages of going inside the network is that your insurance company has agreed to a discounted rate with that provider. Because of this, the insurance company will typically pass on the savings to you, and you will pay less out of pocket. Your deductible, copay and/or coinsurance will typically be less that what you would pay if you went to a provider that is not in your insurance plan’s network.

Another advantage is that your insurance plan will typically only cover what is Usual Reasonable and Customary (URC). URC is the average cost of treatment in that area. If you go inside the plan’s network, the rates are agreed upon by both the provider and the insurance company, and there is no concern that they are billing you above that cost. However, if you go outside the network, the provider can charge whatever they’d like for treatment. That means that if your provider bills you more than the URC, you could be paying an unexpected amount out of pocket. 

Less Hassle

Another advantage of going in-network is that there is a streamlined process for direct billing to your insurance company. This means that you don’t have to pay for your medical expenses up front (you will still need to pay the deductible or copay at the time of visit), and can instead have the provider bill the insurance company directly to pay for any covered expenses. You will need to present your ID card at the time of treatment, and your doctor, hospital or clinic will send the bills directly to the insurance company to be paid. While there is great benefit in direct billing, you may still need to submit some paperwork before your claim can be processed so be sure to check with your insurance company. 

How to Find Providers Inside the Network

Now that we’ve outlined the importance of going inside your plan’s provider network, we will turn our attention to how to find providers inside your plan’s network.

Many insurance plans will have an online search tool where you can find all of the participating providers in your geographic location. If you have a specific doctor or clinic that you would like to go to, you can always give them a call just to make sure they accept the network of the plan you intend to purchase. Your insurance ID card will oftentimes have the logo of the network that the plan uses, so that you can let your doctor know the network your plan uses.

Our most popular insurance plans for international students, the Student Secure, Patriot Exchange and Student Health Advantage plans, use the UnitedHealthcare network. The UnitedHealthcare network is one of the largest networks in the United States, has providers in all 50 states, and provides an easy-to-use online search tool to locate providers within your area!

Learn more about insurance provider networks by checking out our related articles on our Insurance Explained section.

Student Secure: Choosing the Level That’s Best for You

September 29th, 2020 by Sally Mcleod

Choosing a health insurance plan to cover you in case the unexpected happens is now more important than ever. Whether you’re re-evaluating your health insurance needs, purchasing a plan to meet your school’s or visa requirements, or looking for a plan to cover you on OPT, it can be challenging to make the right decision on the level of coverage that works best for your needs and your budget. 

Our Student Secure plan is our most popular health insurance option for international students on a F-1, M-1 or J-1 visa. This plan is available in four levels so students can choose the benefits that work best for their needs.

We’ve highlighted some key benefits to consider to help you choose which level is best for you! 

Maximum Coverage

The policy maximum is the total amount that the insurance company is obligated to pay each year for covered expenses; any expenses in excess of the policy maximum will not be covered. The overall policy maximum differs from the maximum paid out per injury / illness, so it’s important to differentiate the two. The maximum per injury or illness is the total amount the plan will cover per condition. So, for example, if you had a major accident, the Smart plan would cover that accident up to $100,000, but the total coverage you would have on the plan is $200,000 each year. 

You can see the differences of the four levels and the different coverage options below:

Overall Maximum$200,000$500,000$600,000$5,000,000
Maximum per injury / illness$100,000$250,000$300,000$500,000

Deductible & Coinsurance 

While evaluating the various levels of coverage, it’s equally important to consider the amount of out of pocket expenses you can expect. The deductible varies depending on which level you choose as well as where you get medical treatment. After the deductible is paid, you will be responsible for any coinsurance. The coinsurance is the difference between what you and the insurance company pays towards the total cost of a covered condition. After the deductible, the Smart level covers 80% of your medical bills (you pay 20%) up to the policy maximum. Alternatively, if you go inside the plan’s network on the Elite level, after the deductible the plan will cover 100% up to the policy maximum.

Learn more about out-of-pocket expenses here

You can see that as you move up in the levels of coverage, the insurance company covers more: 

Deductible per injury / illnessIn network: $50
Out of network: $100
In network: $45
Out of network: $90
In network: $35
Out of network: $70
In network: $25
Out of network: $50
Coinsurance (Inside the USA) In network: 80% up to the maximum
Out of network: Usual, Reasonable, and Customary (URC) 
In network: 80% up to $25,000, then 100% thereafter
Out of network: Usual, Reasonable, and Customary (URC) 
In network: 80% up to $5,000, then 100% thereafter
Out of network: Usual, Reasonable, and Customary (URC) 
In network: 100% In network
Out of network: Usual, Reasonable, and Customary (URC) 

Organized Sports

It’s important to understand what type of sports coverage is offered on each level of the Student Secure plan. While all levels of the Student Secure plan cover leisure and recreational sports, you will need to purchase the optional sports rider on the Budget, Select and Elite levels if you want additional coverage for intercollegiate, interscholastic, intramural or club sports. The coverage of this rider varies depending on the level:

Sports & Activities
Leisure, Recreational, Entertainment, Fitness
Up to the Overall Maximum LimitUp to the Overall Maximum LimitUp to the Overall Maximum LimitUp to the Overall Maximum Limit
Optional Sports Add-OnNo coverageup to $3,000up to $5,000up to $5,000


When conception occurs after the insurance plan’s start date, the Student Secure covers maternity on the Budget, Select and Elite levels, including pre-natal, delivery, and post-natal care as well as expenses for miscarriage and complications of pregnancy.

MaternityNo CoverageUp to $5,000Up to $10,000Up to $25,000

Mental Health

The Student Secure provides benefits for mental health, including coverage for substance and alcohol abuse on all levels of the plan. Many schools require students to have mental health coverage on their health insurance plan and it’s important to evaluate which level will meet any necessary requirements. 

Mental HealthOutpatient: Up to $50 per day
$500 maximum  Inpatient: Up to $5,000
Outpatient: Maximum of 30 visits.
Coverage includes drug and alcohol abuse.
Inpatient: Maximum of 30 days.
Coverage includes drug and alcohol abuse.
Outpatient: Maximum of 30 visits.
Coverage includes drug and alcohol abuse.
Inpatient: Maximum of 30 days.
Coverage includes drug and alcohol abuse.
Outpatient: Maximum of 30 visits.
Coverage includes drug and alcohol abuse.
Inpatient: Maximum of 30 days.
Coverage includes drug and alcohol abuse.

Pre-existing Conditions

Pre-existing conditions can be covered on the Student Secure plan after 6 months on the Select or Elite levels and after 12 months for the Budget level. The Smart plan does not cover pre-existing conditions at all. However, all four levels include up to $25,000 in coverage for an acute onset of a pre-existing condition (which means that there would be limited coverage for a sudden and unexpected occurrence or recurrence of a pre-existing condition, except if the condition was chronic or congenital).

Pre-existing Conditions No Coverage (acute onset up to $25,000)12 month waiting period6 month waiting period6 month waiting period

Vaccination & Personal Liability

Additional benefits for vaccinations and personal liability can be found on the Elite level. This level will offer coverage for personal liability up to $250,000 and immunization coverage for routine vaccinations inside the US, up to $150. 

It’s important to evaluate each level of coverage and determine what works best for your personal needs in addition to any requirements that you may have from your school. All levels of the Student Secure plan will meet the US department of state requirements for the J visa, in addition to offering coverage for COVID-19, as any other eligible illness allowing for direct payment when going inside the plan’s provider network

The GeoBlue Navigator Plan: International Health Insurance

September 23rd, 2020 by Natalie Holland

The Navigator plan is a great insurance plan option for those who want a policy with comprehensive coverage while outside of their home country. With benefits included for preventive and primary care, this plan is designed to cover you for as little as 3 months up to one year. You can also renew this plan annually. This plan offers concierge-level medical assistance and direct payment to any doctor, hospital, or clinic in the Blue Cross Blue Shield network in the US or in their extensive, yet carefully selected provider network outside the U.S.

The GeoBlue Navigator plan has an unlimited annual maximum outside and inside the United States. Additionally, the Navigator allows you to customize specific aspects so that you can get the exact plan you need. For one, you can choose your deductible from $0 to $5,000 which sets your coinsurance maximum. With a $0 deductible, your coinsurance maximum is only $1,000! Along with coverage for new eligible injuries and illnesses that occur after the plan starts, this policy has coverage for 8 primary care office visits, preventive care for children and adults, and unlimited telemedicine visits. Keeping the needs of international travelers and students in mind, this plan also provides coverage for emergency medical evacuation and repatriation in amounts that meet and exceed most visa requirements. You can read even more about the benefits of this plan by visiting our Navigator Benefits page.

Coverage for COVID-19 is included in this plan, just like any other eligible illness. If you have symptoms and need to be tested for COVID-19, this plan can cover testing as well as subsequent treatment. For more information on signs and symptoms of COVID-19 please visit our Coronavirus Information page

This policy is medically underwritten, so you would have to answer a series of medical history and lifestyle questions when you apply for coverage. Based on your responses to these questions, the insurer can decide (1) to rider the policy to exclude certain conditions, (2) to increase the amount of premium required for the coverage, or (3) to deny coverage entirely. You will be contacted for approval prior to the insurer increasing the premium, and if riders are added to your plan, you’ll have the option to cancel within 10 days for a full refund.

To start your personalized quote, or to apply for coverage, click here.

If you have questions about the plan, or would like to speak directly with one of our licensed customer service representatives, please contact us and we would be happy to assist you.

  • Toll Free in the US: (877) 758-4391
  • Direct: +1 (904) 758-4391
  • Email: info@internationalstudentinsurance.com 
  • Chat with Us

InternationalStudent.com Launches TVC: Life After Lockdown

September 14th, 2020 by Bryanna Davis
TVC 2020

Each year students around the world anticipate the annual Travel Video Contest hosted by InternationalStudent.com. For 14 years thousands of videos have been created by students in all corners of the globe sharing where they would like to travel during their time as an international student, or where they would like to study. With a global pandemic, during the 15th year of the contest it has received a refresh; students can enter the 2020 contest by submitting a 2 minute or less video that shares one or both of the following:

  • How COVID-19 has impacted your international education or cultural exchange experience abroad
  • Your ideal international education or cultural exchange after Covid-19

The contest officially opened on September 1st and will remain open for new entries until October 13th. Entrants have the chance to win one of the following prizes:

  • First Place Winner: $4,000
  • Second Place Winner: $500
  • Third Place Winner: $250
  • Viewers’ Choice Award Winner: $1,000

The Viewers’ Choice Award Winner will be determined by votes from visitors like you and announced with the other finalists during the week of November 9th. The First Place, Second Place and Third Place Winners will be determined by our esteemed judges panel comprised of international educators, travelers and supporters. If you would like to enter the InternationalStudent.com TVC: Life After Lockdown contest make sure you enter before the October 13th deadline. You can get started by reading the contest rules and getting extra tips for success. Once you’ve created your short video for the contest, enter to win right online. Good luck!

How to Deal with Medical Debt in the US

September 1st, 2020 by Yessica Prato

A few years ago, I was biking with my dog through a trail. Back then, I didn’t have health insurance, I was a college student in the US working two part-time minimum wage jobs, and I wasn’t wearing a helmet. As Murphy’s law would have it, my dog pulled me hard to one side, I flew over the handles of my bike and hit my head on the concrete. Since I couldn’t get up, my mom drove me to the emergency room (ER). I spent 4 hours in the ER and was sent home with pain medication. 

A week later, I received a bill in the mail for $1,200 USD from the ER. Two days after that, I received two more bills. All together, my 4-hour visit to the ER cost me $16,000 USD. That was the equivalent of two semesters in college for me! Now what?

Unpaid medical bills create a great deal of anxiety in any person, especially when you’re not familiar with the medical system in a foreign country. The US healthcare system is very complex and if you are already receiving bills in the mail, there is no need to panic! Here are some ways to deal with medical bills:

Know your options

When I received all those bills from the ER, I had no idea what to do. My parents didn’t know the US healthcare system and didn’t speak any English. I began researching my options and learned that the hospital offered financial assistance for those that didn’t have health insurance. Many hospitals in the US have a financial assistance policy or charity care assistance. They could offer you several options:

  • They might reduce your bills
  • They may set you on a payment plan
  • They might forgive the whole debt if you can prove that you don’t have the financial resources to pay them back 

The best advice is to call their billing office and inquire about your options. 

Deal or No Deal?

The advantage of having an insurance plan is that the insurance company has already negotiated how much a doctor or a hospital can charge you for medical treatment. However, if you don’t have insurance, you will need to bring your negotiating skills to the table. Without insurance, hospitals will bill you from their chargemaster, or the full price of a medical treatment. This is where you can work out a deal and ask the hospital to lower the pricing of your bills based on how much they charge insurance companies. If you’re wondering how much a specific exam or treatment costs, you can use Healthcare Bluebook. This tool shows fair pricing for medical procedures. 

Patience and Persistence are Key

Advocating for yourself can be very stressful but like any great negotiator will tell you, you have to be persistent and patient. Medical debt is more common in the US than you think. According to a study done by Health Affairs in 2018, one in six people in the US have past-due medical bills. I started receiving calls from the hospital within a month of receiving my $16,000 medical bills threatening me with sending my bills to collections if I didn’t pay. I explained my situation to them and they put me in contact with their financial assistance office. My university also offered free legal counseling that taught me how to ask for extensions on my bills. The hospital reduced my bills to 45%. However, I was still unable to pay $7,200 USD. Eventually, they sent me to collections. Here is what I did after…

Other Resources

With the stress of exams and homework in school and working my part-time jobs, dealing with my medical bills took a backseat. The hospital sent me to collections and the calls started coming. My legal counselor at school advised me to get in contact with a medical counselor working for a non-profit credit organization. He was able to negotiate my bills down to $1,000 USD and helped me get on a payment plan with the collection agency. There are many organizations like this, however, be mindful which one has the best interest in your case. If you are offered loans, this is not the right organization. To find a credit counselor, you may visit the National Foundation for Credit Counseling. They offer assistance in English and Spanish. 

Don’t let medical debts ruin your international education experience. You are not alone dealing with this type of debt and there are many resources to help you navigate the US healthcare system. If I’ve taken anything away from this experience that I would like to pass on to you is how to prevent medical bills in the first place:

  • Wear your helmet when you’re riding a bike. Wear your mask in public. Wear your safety gear when you practice sports or your seatbelt if you’re riding in a car. Safety first!
  • Having health insurance is very important. Insurance companies have contracted networks that work with several doctors and hospitals. You will not have to pay the full price since they’ve already negotiated the pricing for medical procedures.
  • Be aware of what your insurance plan will and will not cover. Read through your benefits and exclusions so you don’t have unexpected expenses. You can also contact the insurance company before going to the doctor and confirm your benefits.
  • When trying to find a doctor, be sure to search inside the insurance plan’s network. These are doctors that are contracted to accept your plan when using your health insurance.

2020-2021 International Student Insurance for Broward College

August 5th, 2020 by Jennifer Frankel

Broward College requires that all international students enroll in a health insurance plan before the start of classes. International Student Insurance (ISI) has a plan that will meet Broward requirements and save you money!

>> Learn more      >> Buy Now

Who Needs Coverage?

If you are an international student or on Optional Practical Training (also known as OPT), then Broward College will require you to have health insurance before you can start enrolling in classes. 

What Does Your Insurance Need to Cover?

Broward College requires that international students (including those on OPT) have coverage for the following benefits:

  • Major medical expenses (including hospitalization, doctor visits, surgery, etc.)
  • Medical evacuation
  • Repatriation of remains

To meet your schools requirements, you will also need to have coverage for the entire Fall, Spring or Summer semester. Broward College requires that your coverage period includes annual vacations and summer breaks.

Which International Student Insurance Is Right?

The Student Secure is a popular option for international students and is available in four levels: Smart, Budget, Select, and Elite. All four levels will meet and exceed the health insurance requirements for international students at Broward College.

Health Insurance Coverage Form

Once you have enrolled in the plan, then you will need to submit the Health Insurance Coverage Form to your school to remove any hold on your account. Simply complete the student section of your form and email it to info@internationalstudentinsurance.com. We will have this form completed and submitted to your school within 1-2 business days.


If you are looking for 2020-2021 international student insurance for Broward College and need help, feel free to contact our Customer Service Team as they are familiar with the process and can help you step-by-step:

US Toll Free: (877) 758-4391

Intl Number: +1 (904) 758-4391

Chat With Us


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