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Covid-19 Coverage - Included in all Student & Scholar plans, HCC Atlas Travel and Trawick travel plan
Student Health Advantage Platinum (Plan A Platinum)
Plan Summary
Insurance Provider IMG (International Medical Group)
Medical Provider Network UnitedHealthcare Options network provides access to broadest top tier national network in the US. Convenient access to simplified claims processing and direct billing.
Plan Type Designed specifically for international scholars and students (F1,F2,J1,J2,OPT). Purchase monthly increments (from 1 to 12 months), renewable up to 5 years if initial purchase is 3 months or more.
Maximum Benefit $1,000,000 maximum per period of coverage, $500,000 per illness/injury
Deductible (Insured pays before insurance pays) $25 per illness/injury In PPO, $50 per illness/injury Out of PPO
Student Health Center Copay $5 copay, no deductible
Illness or Injury Coinsurance No coinsurance outside of U.S.; or in PPO within U.S. Out of PPO within U.S.: 20% of the first $5,000 of eligible charges, then no coinsurance.
Maternity Coinsurance Plan A Platinum covers maternity only if the pregnancy begins after the plan is effective. $5,000 maximum limit. Benefit includes newborn routine care during the first 31 days of life After deductible is met, company pays 60% of eligible expenses out-of-network (U.S.), 80% in-network (U.S.) and 100% internationally
Hospital Room & Board Average semi-private room
Intensive Care URC(Usual Reasonable and Customary)
Mental Health and Substance Abuse In-patient URC to $10,000, out-patient $50/day to $500
Emergency Room URC for injury or illness resulting in hospitalization. Additional $250 deductible for illness without hospitalization
Prescription Drugs In-patient URC, out-patient 50%
Accident Dental Injury $500, Sudden pain $350
Accidental Death & Loss of Limb $25,000
Bedside Visit N/A
Medical Evacuation $500,000
Repatriation of Remains $50,000
Pre-existing conditions After 6 months of continuous coverage
Group Pricing 5 or more primary insured have about 18% discount
Benefit Details https://purchase.imglobal.com/PlanDescription/STUDENT_HEALTH_ADVANTAGE_PLATINUM/BenefitsContent
Sample Contract http://producer.imglobal.com/ProducerDocuments.ashx?DocumentID=3065
Insurance Quote
UnitedHealthcare Options
UnitedHealthcare Options network provides access to broadest top tier national network in the US. Convenient access to simplified claims processing and direct billing.
Purchase a plan. Group pricing available!
5 or more primary insured have about 18% discount
MyIMG Account

MyIMG Account can help you with:

Submit a Claim, and Lookup Claim Status

Search for Provider in PPO

Change your Email Address or Phone Number

Is Student Health Advantage Platinum (Plan A Platinum) for you?

Medical insurance for students studying abroad or participants of cultural exchange programs

IMG Student Health Advantage Platinum Plan is designed for international students and scholars. There are insurance plans for Scholars and Students traveling to the US with a variety of US visa's (F1 visa, J1 visa, OPT, and M1 visa). Dependents are also eligible to purchase. The Student Health Advantage also has plans for people traveling outside the US for educational purposes. Anyone studying or teaching outside their residence country is eligible to buy. You can purchase online at any time and you may select any future date to be your insurance policy's effective date. Dependents are also eligible to purchase along with the F1, J1 or M1 visa holder. All J visa holders are required to meet the US Department of State (USDOS) J1 insurance requirements for the duration of their visa. IMG's Student Health Advantage - Platinum plan meets this requirement. Student Health Advantage includes mental health and maternity benefits, pre-existing conditions benefits up to the policy maximum after the six month waiting period, and an option to pay for your coverage monthly.

More Information About Student Health Advantage Platinum (Plan A Platinum)
On the Plan A effective date you need to have a valid J1/F1 visa and be outside of your home country for your study or program.
Taian Plan A (Platinum only) covers maternity only if the pregnancy begins after the plan is effective.
In vitro fertilization or artificial insemination is not covered.
Emergency Room: Injury: URC; Illness resulting in hospitalization: URC; Illness without hospitalization: Subject to addtional $250 deductible
Physical Therapy: URC -limit once per day
Frequently Asked Questions