
Discover Our Plans
For OPT Students
For New York Residents
Aged 21-65
Annual Income
Under $29,160 in 2023
Essential Plan
AGE 21-65
$0/YR
NEW YORK OPT EXCLUSIVE
Deductible*
$0
Maximum Benefit*
Unlimited
Co-insurance*
$0
Preventive Care*
100%
100% Allowable Charges
Hospitalization*
Mental Health*
100% Allowable Charges
100% Allowable Charges
Physician services*
Ambulance*
100% Allowable Charges
$0
Prescription Drugs*
*For UHC, Fidelis,
or Emblem Health PPO In-network Provider
FOR NON-NY RESIDENTS
AGED 17-64 or
NEW YORK RESIDENTS
AGED UNDER 21
Global Care Special
AGE 23-26
$1759/YR
$4135/YR
AGE 27-30
OPT EXCLUSIVE
Deductible*
$250 Per Policy Year
Maximum Benefit*
$500,000
Co-insurance*
80%
Preventive Care*
Excluded
Medical Emergency*
$200 Copay
per visit
Paid as
any other Sickness
Mental Health*
Unlimited Benefits
Medical Evacuation & Repatriation*
No benefits
Prescription Drugs*
*For UHC PPO In-network Provider
United Healthcare PPO
Glossary
The deductible is a fixed amount that an insurance company does not pay out during a policy year.


The maximum benefit is the maximum amount the insurance company will pay out during the term of the policy.


Copay is a fixed fee, which refers to a fixed fee that needs to be paid on the spot every time you see a doctor or buy prescription drugs.


Preferred Provider Organization. A type of health plan that contracts with medical providers. You'd pay less using in-network providers.


The percentage of costs covered by your insurance company.
The higher the coinsurance, the better the coverage.


In network refers to providers or health care facilities that are part of a health plan's network with which it has negotiated a discount.

