The OPT Tension

But hold on a minute. Under USCIS rules, you are still in F1 status, and the college or university that brought you into the country is still theoretically responsible for you. So there is a tension between the reality — you are a working adult out on your own — and the USCIS rules — the school still has some responsibility for you. That tension is why school group health insurance plans vary widely as to whether you are permitted to keep the coverage while you are on OPT. This is an important issue, because at this point in your life, it is more important than ever that you have good health insurance coverage.

The OPT Student Dilemma

As a result, schools and insurance carriers often will not permit OPT students to remain on their international student group insurance plan. Even if permitted, the school group coverage is often no longer appropriate or good enough once you leave the geographic area of the school and its onsite student health center or clinic. So most students on OPT have to find their own health insurance plan.

School Group Plans and OPT

Some schools think thatOPT students are still their responsibility and they should make good health insurance available to them. They try to work with their insurance carrier to extend the eligibility of their group plan to permit OPT students to remain on the plan, and to build a process whereby they can accommodate these students. However, it is a lot of work to properly integrate OPT participants into a student group insurance plan, and insurance companies do not always understand why working adults should be treated in the same favorable manner as students when it comes to insurance benefits and pricing. At the same time, the school is no longer collecting tuition and fees, and may not have a way to collect the insurance premium from OPT students.

Finding Health Insurance for OPT

Since we are aware of this tension among insurers, schools, and OPT participants, we wanted to make it simple for international students transitioning into the workplace on OPT. Our international student health insurance plan specifically addresses this issue by clarifying that those on OPT are still eligible for the plan. Not only that, but this plan provides coverage in all 50 states and uses one of the most recognized, nationwide networks in the US, the UnitedHealthCare Network.

By doing this, we make sure that favorable student rates and benefits are still available to OPT students. So whether you purchased your international student insurance from us while still enrolled at school or once you have graduated, you can keep the same coverage in place while on OPT.