OPT以及所有拥有F1/J1签证的学生
Health Insurance

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School Coverage Periods & Rates

ANNUAL 2021-2022
30-DAY RATE

Explorer Plan

  • In-Network Provider - Aetna
  • $0 Deductible
  • OPT eligible (also, students waiting for EAD are eligible)
  • Coinsurance - 100% In-Network
  • Mental health - Max $50 per visit
  • Prescriptions - 100% UCR (usual, customary, reasonable)
  • Urgent Care - $50 copay
  • Medical Emergency - 100% UCR, $350 copay
  • Baggage Loss/Theft - $50 deductible, $1,500 max
  • Personal Liability - $100,000 max
  • Legal Expenses - $10,000 max
  • Evacuation & Repatriation - $100,000 max
  • COVID is treated like any other sickness
PSI 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.

Claim Procedures

Step 1: Bring Your Insurance ID card

Login to your PSI account and print your Insurance ID Card. Always present your Insurance ID Card to your Doctor or Hospital so they can submit your claim directly to us.

Step 2: Visit your Student Health Center or a Preferred Provider

If you are sick or injured, please visit the Student Health Service first. If not available, proceed to a Preferred Provider Network.
We encourage students to use a Preferred Provider whenever possible for two reasons:

1) They have a contract to bill us directly for services so you don't have to pay out of pocket and then file a claim yourself;

2) They have agreed to contracted pricing for covered medical expense, which means your medical cost and charges are kept as low as possible and never exceed the set price which providers accept as payment.

If you visit an Out-of-Network Doctor or Hospital, ask if they can submit claims on your behalf. If they cannot, you will be required to pay for your medical bills during your visit. Afterwards, seek reimbursement by filing a claim. Simply download a Claim Form, Complete, and Sign then include a copy of your ID Card with your medical bills or receipts.

FAQs

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