Trusted health insurance that is customized for F-1 students attending a high school, college, or university in the U.S.
Not sure which plan is right for you? The Lewerglobal team is here to answer questions and help you choose coverage that fits your needs and school requirements. Reach out through our live chat or call (800) 821-7710.
Patriot Exchange
Student Health Advantage
F-1 Plan
F-1 Enhanced Plan
Disclaimer: Please read disclaimer
| Plan Options | F-1 Base | F-1 Choice | F-1 Standard | F-1 Enhanced |
|---|---|---|---|---|
| Coverage Limit per Year | $250,000 | $500,000 | $500,000 | $500,000 |
| Coverage Limit per Illness/Injury | $250,000 | $300,000 | $300,000 | $300,000 |
| Deductible per Injury/Illness | $100 | $250 | $0 or $100 | $0 or $100 |
| In-Network Coinsurance | 90% Insured pays 10% | 90% $1,000 Out-of-Pocket Maximum | 100% | 100% |
| Out-of-Network Coinsurance | 80% up to the maximum limit Insured pays 20% | 80% up to $5,000; 100% thereafter | 80% up to $5,000; 100% thereafter | 80% up to $5,000; 100% thereafter |
| Preventive Care (Immunizations & Annual Physical) | Excluded | Excluded | Up to $100 | Up to $250 |
| COVID-19 Coverage | Covered as any other illness | Covered as any other illness | Covered as any other illness | Covered as any other illness |
| Outpatient Treatment of Mental and Nervous Disorders | $50 per day; $500 maximum | $50 per day; $500 maximum | $50 per day; $1,000 maximum | $50 per day; $1,000 maximum |
| Inpatient Treatment of Mental or Nervous Disorders | No daily limit; $10,000 total maximum | No daily limit; $10,000 total maximum | No daily limit; $10,000 total maximum | No daily limit; $10,000 total maximum |
| Pre-Existing Conditions | 12-month waiting period | 12-month waiting period | 12-month waiting period | 12-month waiting period |
| Hospital Emergency Room-Injury | 90% (In-Network) 80% (Out-of-Network) | 100% (In-Network) 80% (Out-of-Network) | 100% (In-Network) 80% (Out-of-Network) | 100% (In-Network) 80% (Out-of-Network) |
| Hospital Emergency Room-Illness | 90% (In-Network) 80% (Out-of-Network) $500 deductible if visit does not result in an admission | 100% (In-Network) 80% (Out-of-Network) $250 deductible if visit does not result in an admission | 100% (In-Network) 80% (Out-of-Network) $250 deductible if visit does not result in an admission | 100% (In-Network) 80% (Out-of-Network) $250 deductible if visit does not result in an admission |
| Intercollegiate, Intramural, Recreational & Club Sports | Excluded | $5,000 per injury | $5,000 per injury | $10,000 per injury |
| Emergency Medical Evacuation | Up to $50,000 | Up to $500,000 | Up to $500,000 | Up to $500,000 |
| Repatriation of Mortal Remains | Up to $25,000 | Up to $50,000 | Up to $50,000 | Up to $50,000 |
| Emergency Reunion | Up to $15,000 | Up to $50,000 | Up to $50,000 | Up to $50,000 |
| Political Evacuation and Repatriation | Up to $10,000 | Up to $10,000 | Up to $10,000 | Up to $10,000 |
| Inpatient Prescription | After deductible: N/A (In-Network) 90% (Out-of-Network) $250,000 maximum | After deductible: 100% (In-Network) 80% (Out-of-Network) $250,000 maximum for primary insured and $100,000 maximum for spouse or child | After deductible: 100% (In-Network) 80% (Out-of-Network) $250,000 maximum for primary insured and $100,000 maximum for spouse or child | After deductible: 100% (In-Network) 80% (Out-of-Network) $250,000 maximum for primary insured and $100,000 maximum for spouse or child |
| Outpatient Prescription | After deductible: N/A (In-Network) 90% (Out-of-Network) $250,000 maximum | After deductible: 100% (In-Network) 50% (Out-of-Network) $250,000 maximum for primary insured and $100,000 maximum for spouse or child | After deductible: 100% (In-Network) 50% (Out-of-Network) $250,000 maximum for primary insured and $100,000 maximum for spouse or child | After deductible: 100% (In-Network) 50% (Out-of-Network) $250,000 maximum for primary insured and $100,000 maximum for spouse or child |
| Physical Therapy | 90%, Limit 1 visit per day | 100%, Limit 1 visit per day | 100%, Limit 1 visit per day | 100%, Limit 1 visit per day |
| Maternity and Newborn Care | Not covered | Not covered | Not covered | Not covered |
| Accidental Death & Dismemberment | $25,000 | $25,000 | $25,000 | $25,000 |
| Repairs to Sound, Natural Teeth Required Due to an Injury | $500 | $500 | $500 | $500 |
| Personal Liability (Injury or Damage to Third Person) | Up to $2,000 after $100 deductible | Up to $10,000 after $100 deductible | Up to $10,000 after $100 deductible | Up to $10,000 after $100 deductible |
| Network | United Healthcare | United Healthcare | United Healthcare | United Healthcare |
We have always received great feedback from our clients about Lewerglobal’s health insurance services. We have used them with all our faculty-led study abroad programs and their customer service, prices, and policy coverage have always been great.
Alessio Mazzolini
Chief Operating Officer, Study Abroad Association
There are affordable student health insurance options beyond healthcare.gov. Lewerglobal can help you explore options that fit your visa status and study plans.
There are three different ways F-1 visa students access student health insurance.
Start by checking if your U.S. school requires you to purchase coverage through their group student insurance plan. Your international student advisor or the school’s website can tell you if the plan is mandatory and whether you can waive out. This helps you avoid paying for two plans at the same time.
If you can choose to purchase your own coverage, think about what matters most to you, like your health needs, prescriptions, and how much you can afford to pay if you need care. You want to balance the monthly premium cost versus what you would pay if you submit a claim after getting sick or injured.
Finally, compare insurance options available to F-1 visa students.
The Lewerglobal team is here to help you navigate your choices, understand costs, and select a plan that fits your visa status and your time in the U.S. Call us at (800) 821-7711 or use the chat feature on our website.
Insurance and healthcare can be confusing, especially in the U.S. Visit our Insurance Definitions page for our list of the words most likely to cause confusion.
Healthcare should be easy to access. Search the UnitedHealthcare network to find doctors, urgent care centers, and hospitals near your school that are covered through Lewerglobal’s F-1 student plans.
