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International Student Healthcare Experts

We Know Sending Your Child Abroad to Study is Complicated, so Here are Some Answers to the Most Common Questions That Parents Have.

How are pre-existing conditions covered?

Pre-existing conditions, including prescription drugs, are covered up to a maximum of $2,000 for the first six months of coverage. After the initial six-month period, pre-existing conditions are covered the same as any other illness/injury.

Are routine physical examinations covered?

Routine preventative care, vaccinations and tuberculosis screening are covered under this plan.

Does the plan include any deductibles or a co-pay?

The gold plan has no deductibles, co-pay or co-insurance.
The silver plan has a $25 co-pay for care received in a physician’s office and a $75 co-pay for care received at an emergency room.
The bronze plan has a $250 deductible and a 20% co-insurance on all services with a $5,000 out-of-pocket maximum.

How are sports-related injuries covered?

Interscholastic sports injuries are covered up to $25,000 per coverage year. Depending on how the provider files the claim, an injury questionnaire may be required in order to finalize payment of any sports injury claims.

Is there a network of doctors available with this plan?

Yes, this plan uses the Blue Cross Blue Shield® National PPO network. You can visit to find providers near you. The three-letter prefix is QHS.

Does the plan include prescription drug coverage?

Yes, the plan covers prescription medication up to $2,000 per coverage year. Members should provide the pharmacist with their ID card at the time of purchase. For more details, please see this pharmacy benefits flyer.

Does my plan cover mental health care?

Yes. The GeoBlue plan does cover mental health care. Members have $5,000 for outpatient care and $10,000 for inpatient care per coverage year. All members also have access to the Global Wellness Assist program. This program is similar to an employee assistance program and provides six sessions of counseling, per issue, per year.

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Still Have Questions?

Still have questions about ISM and international student insurance? Reach out to get in contact with a team member!