CCA alumni on post completion OPT are not eligible for health insurance through CCA and will need to obtain health insurance independently while they’re on OPT.

Expiration dates for the CCA student insurance coverage:

Fall graduation: December 31st

Spring graduation: July 31st

OPT Insurance options

As you are considering your insurance plans, here are just a few of the options CCA students have used in the past. There are many insurance plans available.

Note: the proposed insurances below are only for students on OPT. These insurance plans can not be used to waive out of CCA's insurance plan if you are enrolled full-time at the college for the academic year. 

ISO

www.isoa.org

1-800-244-1180

Visit International Health Insurance

www.visitinsurance.com

1-800-247-5575

International Student Insurance

International Student Insurance

1-877-758-4391

Things to keep in mind when choosing an insurance plan:

• Make sure you understand the deductible/out of pocket expenses for the plan
• All insurance plans have exclusions (items not covered by your insurance policy), make sure you familiarize yourself with these items so that you know what is and isn’t covered by your policy.
• Check which providers are in your network (doctors that accept your insurance) and the cost/ability to go to a provider outside of your network
• Is there coverage during travel outside the US?
• What is the prescription drug coverage?

Common insurance terms to look for as you review the various plans:

• Copayment/copay: a cost sharing mechanism in insurance plans where the insured pays a specific dollar amount of incurred medical expenses and the insurer pays the remainder.
• Coinsurance: a type of insurance where the insured pays a share of the payment made against the claim. Unlike the copay, this will be a percentage as opposed to a specific dollar amount. For instance, your plan may specify a $20 copay for office visits, and 20% coinsurance for hospitalization. This would mean that if you go in for an office visit you will pay a flat fee of $20 each time and if you were hospitalized, you would be responsible for 20% of the total bill for that hospitalization.
• In network provider: An in-network provider is one contracted with the health insurance company to provide services to plan members for specific pre-negotiated rates. An out-of-network provider is one not contracted with the health insurance plan.
• Primary care provider: a health care practitioner who sees people that have common medical problems. This person is most often a doctor. However, a PCP may be a physician assistant or a nurse practitioner.
• Out of pocket maximum: The most you will pay for covered medical expenses in a plan year through deductible and coinsurance before your insurance plan begins to pay 100 percent of covered medical expenses.
• Deductible: a specific amount of money that the insured must pay before an insurance company will pay a claim.
• Lifetime limit: The maximum amount a health plan will pay in benefits to an insured individual during that individual’s lifetime.