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Discover Our Plans
For OPT Students

For New York Residents
Aged 21-65
Annual Income
Under $37,650 in 2024

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

+Details may vary based on your income

New York OPT Exclusive Health Insurance PDF
FOR NON-NY RESIDENTS
AGED 17-64 o
r
NEW YORK RESIDENTS
AGED UNDER 21

OPT

AGE 17-24

​$383/YR

​$616/YR

AGE 25-29

​OPT EXCLUSIVE
Deductible*
$500 Per Illness / Injury
Maximum Benefit*
$100,000
Co-insurance*
80%
Preventive Care*
Excluded
Urgent Care*
$50 Copay
per visit
80%
​Mental Illness*
$50,000 Combined Max
Medical Evacuation & Repatriation*
No benefits
Prescription Drugs*

*For ​UHC PPO In-network Provider

OPT Health Insurance PDF

United Healthcare PPO

Glossary

The deductible is a fixed amount that an insurance company does not pay out during a policy year.

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

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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.

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

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The percentage of costs covered by your insurance company.

The higher the coinsurance, the better the coverage.

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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.

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