University of Massachusetts - Amherst
- UMASS Health Insurance Information for F1/J1 International students.
- Waiver Deadlines: FALL - 09/16/2025
- For Plans that we offer to Recent Grads, OPT Participants, and H1B visa holder, click HERE.
Opal Plan
- No Lifetime Limits On Benefits
- Unlimited Maximum Benefits
- Coinsurance 80% In-Network
- Mental Health Coverage
- Preventive Care - 100% In-Network
- Prescription Drugs: 80% of charges; $30 copay
- Pre-Ex Conditions - No Waiting Period
- Out-of-Pocket Maximum $6,350/year
- Intramural & Club Sports
- Maternity Care Benefits
- No Copays at SHC
- ER Copay: $300 (waived if admitted)
- Medical Evacuation & Repatriation
Royal 100 Plan
- Worldwide Coverage (excluding home country)
- Unlimited Maximum Benefit
- Coinsurance: 80% In-Network
- No Copays / Deductible at SHC
- Wellness & Preventive - 100% In-Network
- Urgent Care - $50 copay
- Out-of-pocket Maximum - $6,000
- Prescription Drugs $10/$20/$40 copay
- Pre-Ex Condition - No waiting period
- ER $250 Copay (waived if admitted)
- Diagnostic Services and Laboratory Tests
- Mental Health Benefits
- Medical Evacuation & Repatriation
Royal Plus Plan
- Worldwide Coverage (excluding home country)
- Unlimited Maximum Benefit
- Coinsurance: 100% In-Network
- No Copays / Deductible at SHC
- Wellness & Preventive - 100% In-Network
- Urgent Care - $50 copay
- Out-of-pocket Maximum - $6,000
- Prescription Drugs $10/$20/$40 copay
- Pre-Ex Condition - No waiting period
- ER $300 Copay (waived if admitted)
- Diagnostic Services and Laboratory Tests
- Mental Health Benefits
- Medical Evacuation & Repatriation
The plan comparison and benefit information provided on this webpage is for general reference only and does NOT guarantee coverage or payment. For complete and detailed information
regarding your coverage, plan benefits, exclusions, and claims procedures please download the official Policy Brochure and/or Terms & Conditions. The provisions outlined in the Policy Brochure
and/or Terms & Conditions will prevail.
We gathered this information as a resource for students, and this does not intend to imply a relationship between your school and our website, or company. Our plans simply offer an
alternative to the university's student health insurance plan.