Houghton University
Houghton, NY
For international students who are studying on an F1 visa at Houghton University, the following plans are an ideal solution that will meet your school's insurance requirements:
* rates are based on students aged 24 and under unless otherwise noted.
Compare Plan Level Benefits
- Smart
- Medical Maximum $200,000
- Per Injury/Illness Maximum $100,000
- Deductible $0(co-pays apply)
-
Coinsurance
In-Network: 80% of the next $100,000 of eligible expenses after applicable co-pays, then 100% to the overall maximum.
Out-Network: Usual, Reasonable, and Customary (URC) -
Pre-existing Conditions (Acute Onset)
$25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition only
See policy wording for full benefit description - Pre-existing Conditions Not Covered
- Maternity Not Covered
-
Mental Health
Outpatient: $50 per day, $500
Inpatient: Up to $5,000 - School Team Sports Not Covered
- Recreational, Fitness and Leisure Activities Covered per policy conditions
- Adventure Sports Some exclusions apply
- Emergency Medical Evacuation/Repatriation $50,000 / $25,000
- Budget
- Medical Maximum $500,000
- Per Injury/Illness Maximum $250,000
- Deductible $0 (co-pays apply)
-
Coinsurance
In-Network: 80% of the next $45,000 of eligible expenses after applicable co-pays, then 100% to the overall maximum.
Out-Network: Usual, Reasonable, and Customary (URC) -
Pre-existing Conditions (Acute Onset)
Additional $25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition during waiting period
See policy wording for full benefit description - Pre-existing Conditions 12-month waiting period
- Maternity Up to $5,000
-
Mental Health
Outpatient: Max. 30 visits.
Inpatient: Max. 30 days of coverage.
Coverage includes drug and alcohol abuse. - School Team Sports Not Covered
- Recreational, Fitness and Leisure Activities Covered per policy conditions
- Adventure Sports Some exclusions apply
- Emergency Medical Evacuation/Repatriation $250,000 / $25,000
- Select
- Medical Maximum $1,000,000
- Per Injury/Illness Maximum $500,000
- Deductible $0 (co-pays apply)
-
Coinsurance
In-Network: 80% of the next $25,000 of eligible expenses after applicable co-pays, then 100% to the overall maximum.
Out-Network: Usual, Reasonable, and Customary (URC) -
Pre-existing Conditions (Acute Onset)
Additional $25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition during waiting period
See policy wording for full benefit description - Pre-existing Conditions 6-month waiting period
- Maternity Up to $10,000
-
Mental Health
Outpatient: Max. 30 visits.
Inpatient: Max. 30 days of coverage.
Coverage includes drug and alcohol abuse. - School Team Sports Coverage up to $5,000 coverage per injury / illness — medical expenses only for intercollegiate, interscholastic, intramural, or club sports
- Recreational, Fitness and Leisure Activities Covered per policy conditions
- Adventure Sports Some exclusions apply
- Emergency Medical Evacuation/Repatriation $300,000 / $50,000
- Elite
- Medical Maximum $5,000,000
- Per Injury/Illness Maximum $500,000
- Deductible $0 (co-pays apply)
-
Coinsurance
In-Network: 80% of the next $10,000 of eligible expenses after applicable co-pays, then 100% to the overall maximum.
Out-Network: Usual, Reasonable, and Customary (URC) -
Pre-existing Conditions (Acute Onset)
Additional $25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition during waiting period
See policy wording for full benefit description - Pre-existing Conditions 6-month waiting period
- Maternity Up to $15,000
-
Mental Health
Outpatient: Max. 40 visits.
Inpatient: Max. 40 days of coverage.
Coverage includes drug and alcohol abuse. - School Team Sports Coverage up to $5,000 coverage per injury / illness — medical expenses only for intercollegiate, interscholastic, intramural, or club sports
- Recreational, Fitness and Leisure Activities Covered per policy conditions
- Adventure Sports Some exclusions apply
- Emergency Medical Evacuation/Repatriation $500,000 / $50,000
- Standard
- Medical Maximum $500,000
- Per Injury/Illness Maximum $300,000
- Deductible $100
-
Coinsurance
In-Network: The plan pays 100% of eligible expenses up to Maximum Limit
Out-Network:The plan pays 80% of eligible expenses up to $5,000, then 100% up to Maximum Limit - Pre-existing Conditions (Acute Onset) Not Covered
- Pre-existing Conditions After 12 months of continuous coverage
- Maternity Not Covered
-
Mental Health
Inpatient Treatment:$10,000 Lifetime Maximum
Outpatient Treatment: $50 per day; $500 Lifetime Maximum.
*Not Eligible for coverage within a Student Health Center - School Team Sports Coverage up to $5,000 coverage per injury / illness — medical expenses only for intercollegiate, interscholastic, intramural, or club sports
- Recreational, Fitness and Leisure Activities Covered per policy conditions
-
Adventure Sports
No Coverage
Optional Adventure Sports rider available, please select that option to view pricing. - Emergency Medical Evacuation/Repatriation $500,000 / $50,000
- Platinum
- Medical Maximum $1,000,000
- Per Injury/Illness Maximum $500,000
- Deductible $25
-
Coinsurance
In-Network: 100% of eligible expenses up to Maximum Limit
Out-Network: 80% up to $5,000, then 100% up to Maximum Limit - Pre-existing Conditions (Acute Onset) Not Covered
- Pre-existing Conditions After 6 months of continuous coverage
- Maternity Up to $5,000
-
Mental Health
Inpatient Treatment:$10,000 Lifetime Maximum
Outpatient Treatment: $50 per day; $500 Lifetime Maximum.
*Not Eligible for coverage within a Student Health Center - School Team Sports Coverage up to $5,000 coverage per injury / illness — medical expenses only for intercollegiate, interscholastic, intramural, or club sports
- Recreational, Fitness and Leisure Activities Covered per policy conditions
-
Adventure Sports
No Coverage
Optional Adventure Sports rider available, please select that option to view pricing. - Emergency Medical Evacuation/Repatriation $500,000 / $50,000
Why do I need health insurance? Watch this video to learn more about healthcare in the US and why having health insurance is important. This video teaches international students how to prepare for their arrival in the US, how the US healthcare system works and how students should seek medical care appropriately if they become sick or injured.
Please visit www.internationalstudentinsurance.com/explained/ for more information.
Student Waivers
If you need to waive your school’s insurance plan, please purchase your policy online, and then submit your waiver form to us at info@internationalstudentinsurance.com. Waivers will be completed within 48 business hours and sent directly to your school.
Other Student Categories
If you're a student in one of these other categories, our plans are excellent solutions and may work for you. You can learn more about these plan options:
Contact Us
If you need help selecting a plan or enrolling in a policy, please contact our customer service team, and they would be happy to help.- Toll Free: (877) 758-4391
- Direct/International : +1 (904) 758-4391
- Email: info@internationalstudentinsurance.com
International Student Insurance has gathered this information as a resource for international students, and this resource does not intend to imply a relationship between your school and our website or company. You should always double-check directly with your school and with our customer service team to ensure that our plans meets your school's international student insurance requirements.