{"id":18876,"date":"2024-10-29T10:34:22","date_gmt":"2024-10-29T02:34:22","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=18876"},"modified":"2026-04-15T22:30:05","modified_gmt":"2026-04-15T14:30:05","slug":"iso-health-insurance-for-h1b","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/iso-health-insurance-for-h1b.html","title":{"rendered":"ISO Health Insurance for H-1B Visa Holders"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">The International Student Organization (ISO) offers its Voyager plan for H-1B visa holders looking for short-term coverage. While H-1B visa holders in the U.S. for 6\u201310 months or less are not required to purchase health insurance, the U.S.\u2019s costly healthcare makes health insurance recommended.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Are you a H-1B visa holder preparing for work in the <\/span><a href=\"https:\/\/www.pacificprime.com\/country\/americas\/usa-health-insurance-pacific-prime\/\"><span style=\"font-weight: 400;\">United States<\/span><\/a><span style=\"font-weight: 400;\">? With affordable coverage for you and your dependents, ISO\u2019s Voyager plan may fit the bill; or, you can check out <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\"><span style=\"font-weight: 400;\">international health insurance<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/short-term\/travel-quote\/\"><span style=\"font-weight: 400;\">travel medical insurance<\/span><\/a><span style=\"font-weight: 400;\">, or <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/short-term-health-insurance-plans\/\"><span style=\"font-weight: 400;\">short-term insurance<\/span><\/a><span style=\"font-weight: 400;\"> from Pacific Prime\u2019s partners.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Keep reading to learn more about <\/span><a href=\"https:\/\/www.isoa.org\/\"><span style=\"font-weight: 400;\">ISO<\/span><\/a><span style=\"font-weight: 400;\">\u2019s Voyager plan and what it covers. Plus, learn more about the benefits of short-term health insurance, travel medical insurance, and international health insurance for workers in the United States on H-1B visas.<\/span><\/p>\n<p><b>Please note that all monetary amounts in this article are valued in United States dollars or USD.<\/b><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-73' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-73-new.css?v1.67' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-73-link CompareNowbutton\">\n  <div class=\"inserter-73-new\">\n    <div class=\"inserter-left-box\">\n        <h3>Kickstart Your Search for the Perfect Insurer<\/h3>        \n        <div class=\"inserter-compare-box\">\n            <p>Compare over <br>50,000 Plans <br>from Top Insurers<\/p>\n            <button >Compare NOW<\/button>\n        <\/div>\n    <\/div>\n    \n    \n    <div class=\"inserter-img-box\">\n        <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/mobile.png\" alt=\" \" class=\"banner-img-mobile\">            \n    <\/div>\n  <\/div>\n<\/a>\n\n<style>\n\n.inserter-73-new .inserter-img-box amp-img {right: -31%;}\n@media (max-width: 1199px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -20px;\n  }\n@media (max-width: 991px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -10px;\n  }\n}\n@media (max-width: 768px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: auto;\n    width: 30%;\n  }\n}\n@media (max-width: 512px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: 200px;\n  }\n}\n<\/style>\n\n<\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Voyager: ISO Health Insurance for H-1B Visa Holders<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">For those with few health concerns who want to prioritize budget-friendly coverage, consider ISO\u2019s Voyager plan. It\u2019s ideal for workers on H-1B visas who stay in the U.S. for less than 6\u201310 months, since such short-term workers don\u2019t have to purchase <\/span><a href=\"https:\/\/www.healthcare.gov\/glossary\/affordable-care-act\/\"><span style=\"font-weight: 400;\">ACA-<\/span><\/a><span style=\"font-weight: 400;\">compliant comprehensive insurance.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Benefits of Voyager Plan for H-1B Visa Workers<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">While most of the International Student Organization\u2019s plans cater to students, as the name suggests, <\/span><a href=\"https:\/\/www.isoa.org\/voyager\"><span style=\"font-weight: 400;\">ISO\u2019s Voyager plan<\/span><\/a><span style=\"font-weight: 400;\"> is ideal for H-1B visa workers, including their dependents. Some of the benefits of the Voyager plan include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">$75,000 USD toward repatriation and medical evacuation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">An unlimited annual maximum<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">100% coverage for sickness and illness up to the daily limit<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Optional coverage for dependents<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The price range for coverage depends on age, with children and individuals ages 7\u201324 costing $79 per month, 25\u201329 costing $92 per month, 30\u201364 costing $119 per month, and dependent children costing $124 per month.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">What the Voyager Plan Covers for H-1B Visa Workers<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Check out the table below to see what the Voyager plan covers, or refer to the <\/span><a href=\"https:\/\/api.isoa.org\/docs\/plans\/2025\/Voyager_2024_2025_A.pdf\"><span style=\"font-weight: 400;\">Voyager plan pamphlet<\/span><\/a><span style=\"font-weight: 400;\"> for even more information:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Annual maximum<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Unlimited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Per injury\/sickness maximum<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$150,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Deductible per event<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$150<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Copay emergency room<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$300<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Coinsurance<\/span><\/td>\n<td><span style=\"font-weight: 400;\">100% up to daily benefit limits<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Pre-existing conditions<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Covered after 18 months<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">A.M. Best rating<\/span><\/td>\n<td><span style=\"font-weight: 400;\">A++<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Medical evacuation<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$50,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Repatriation of remains<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$25,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Provider network<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Aetna PPO<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><span style=\"font-weight: 400;\">Who Is Eligible for ISO Insurance<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">H-1B visa holders as well as other visa holders who are not U.S. citizens but who have a current passport or visa to the United States and do not reside in their home country may qualify for this coverage. Dependents with a valid visa who pay the required premium may also qualify.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-3' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4632\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/SEO-Baner-Family.jpg\" alt=\"Family health insurance banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">The International Student Organization<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Having insured over 3 million international students at over 2,500 schools since 1958, the <\/span><a href=\"https:\/\/www.isoa.org\/\"><span style=\"font-weight: 400;\">International Student Organization<\/span><\/a><span style=\"font-weight: 400;\"> is the largest global student insurance manager. ISO offers coverage across the United States and over 185 other countries, with access to over one million doctors.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As a provider specializing in international coverage, ISO\u2019s customer service boasts a multilingual team to facilitate easy claims and simple enrollment in their affordable plans.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019re looking for more information on student-specific health insurance, <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/j1-student-insurance.html\"><span style=\"font-weight: 400;\">check out this Pacific Prime article<\/span><\/a><span style=\"font-weight: 400;\"> that outlines requirements and compares some of the best international student plans available. Link to this article about student health insurance:\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Other Insurance Options for H-1B Visa Holders<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Consider short-term, long-term, and travel medical insurance for your H-1B visa coverage. If your employer does not offer health insurance, it\u2019s advisable to purchase your own coverage\u2014even for a temporary work visa in the United States, as U.S. healthcare is some of the most expensive in the world.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">International Short-Term Health Insurance for H-1B Workers<\/span><\/h3>\n<p><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/short-term-health-insurance-plans\/\"><span style=\"font-weight: 400;\">Short-term health insurance<\/span><\/a><span style=\"font-weight: 400;\"> offers affordable, flexible temporary coverage for medical care costs as you wait to receive more comprehensive coverage, whether by purchasing a long-term plan or by returning to your home country where you maintain comprehensive coverage.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Many short-term health insurance plans offer coverage for up to a year with renewal options, so for those without many health needs, a budget-friendly short-term plan may be tempting. If you plan to stay abroad longer than a few months or have extra medical concerns, consider more encompassing care.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Most short-term health insurance covers:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Preventative care\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency care\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Urgent care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical tests<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Some plans also offer discounts on prescription medications, but many short-term insurance plans do not cover pre-existing conditions, mental health services, maternity care, and substance abuse.<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">Suggested Insurers for Short-Term Insurance for H-1B Workers<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">For short-term health insurance, consider GeoBlue or April International. Learn more about each of them below.<\/span><\/p>\n<h5><span style=\"font-weight: 400;\">GeoBlue for H-1B Visa Workers<\/span><\/h5>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/geoblue\/\"><b>GeoBlue<\/b><\/a><span style=\"font-weight: 400;\"> offers exceptional short-term international plans<\/span><span style=\"font-weight: 400;\">. We suggest their <\/span><a href=\"https:\/\/www.geobluetravelinsurance.com\/pdf_docs\/certs\/samples\/SAMPLE_XplorerPremier_0008.pdf\"><span style=\"font-weight: 400;\">Xplorer Premier plan<\/span><\/a><span style=\"font-weight: 400;\"> for <\/span><span style=\"font-weight: 400;\">comprehensive coverage in the United States for up to 9 months. The plan offers unlimited annual and lifetime benefits within the United States or out, with all costs applying toward your deductible.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Read more about the Xplorer Premier plan <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/h1b-visa-health-insurance.html\"><span style=\"font-weight: 400;\">in this article<\/span><\/a><span style=\"font-weight: 400;\">, or find more information <\/span><span style=\"font-weight: 400;\">about GeoBlue\u2019s international <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/geoblue\/\"><span style=\"font-weight: 400;\">short-term plans<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/geoblue-the-best-travel-insurance.html\"><span style=\"font-weight: 400;\">travel insurance plans<\/span><\/a><span style=\"font-weight: 400;\"> on their page. They also offer high-quality long-term international coverage.<\/span><\/p>\n<h5><span style=\"font-weight: 400;\">April International for H-1B Visa Workers<\/span><\/h5>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/april-international\/\"><span style=\"font-weight: 400;\">April International<\/span><\/a><span style=\"font-weight: 400;\">\u2019s MyHealth International plan simplifies coverage for H-1B visa holders and their families with their five-tier options. You can elect coverage for 1\u201312 months, with a one-time extension option for up to 6 months.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The annual benefit limit for each plan is:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency plan: <\/span><span style=\"font-weight: 400;\">$272,538.75<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Formule basic plan: $<\/span><span style=\"font-weight: 400;\">545,077.50<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Essential plan: $1,090,155.00<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Comfort plan: Unlimited<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Premium plan: Unlimited\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If you would like to purchase travel insurance for your time working in the United States or you prefer to bundle travel medical insurance with traditional travel insurance rather than purchase short-term insurance, <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/april-international-travel-insurance-the-best-travel-insurance.html\"><span style=\"font-weight: 400;\">look through April International\u2019s offerings<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-7' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4628\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/SEO-Baner-04_updated-1.jpg\" alt=\"Health insurance quote banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Travel Medical Insurance for H-1B Visa Workers<\/span><\/h3>\n<p><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/short-term\/travel-quote\/\"><span style=\"font-weight: 400;\">International travel medical insurance<\/span><\/a><span style=\"font-weight: 400;\">, sometimes called visitor\u2019s insurance, varies from traditional travel insurance, which covers trip-related issues like lost luggage and emergency medical costs only. What your medical travel insurance covers will vary widely depending on which plan you choose.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019d like to bundle travel insurance with your health insurance, check out <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/the-best-travel-insurance-companies.html\"><span style=\"font-weight: 400;\">this article<\/span><\/a><span style=\"font-weight: 400;\"> or the <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/short-term\/best-travel-insurance\/\"><span style=\"font-weight: 400;\">best traditional travel insurance options<\/span><\/a><span style=\"font-weight: 400;\"> on our page.<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">Suggested Insurers for Travel Medical Insurance<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">For travel medical insurance, consider VUMI VIP and IMG Global. We\u2019ve highlighted a few of their best offerings below.<\/span><\/p>\n<h5><span style=\"font-weight: 400;\">VUMI VIP for H-1B Visa Workers<\/span><\/h5>\n<p><a href=\"https:\/\/s3.amazonaws.com\/vumigroup.planes\/Cuaderno_Informativo_travel\/travel_vip_plan_overview_en.pdf\"><span style=\"font-weight: 400;\">VUMI VIP\u2019s travel insurance<\/span><\/a><span style=\"font-weight: 400;\"> medical coverage includes $5,000,000 in maximum lifetime benefits, 100% hospitalization coverage, and even possible coverage for pre-existing conditions, whether you opt for single-trip coverage or annual coverage.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Single trips may be extended as many times as you choose for up to 1 year, and annual coverage works for multiple trips within 30, 45, or 90 days. VUMI also covers up to $500,000 for pre-existing conditions with verification of 6 months of stability without symptoms and without medication changes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">VUMI offers not just top-notch travel insurance but also quality international health insurance. If VUMI sounds like the right fit for you, find out more <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers\/vumi-health-insurance\/\"><span style=\"font-weight: 400;\">on their page<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h5><span style=\"font-weight: 400;\">IMG Global for H-1B Visa Workers<\/span><\/h5>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/img\/\"><span style=\"font-weight: 400;\">IMG Global<\/span><\/a><span style=\"font-weight: 400;\"> offers multiple travel medical insurance plans, whether you pick one of their Patriot plans or their GlobeHopper plan. IMG\u2019s GlobeHopper plan offers maximum coverage for:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hospital room and board in a semi-private room<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Intensive care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical expenses<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Out-patient medical expenses<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ambulance fees<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prescription medications<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency room accidents<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency room illnesses with in-patient admission<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dental care due to an injury<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">For a deep dive into the GlobeHopper plan review this Pacific Prime <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/img-globehopper-the-best-travel-insurance-plans.html\"><span style=\"font-weight: 400;\">article<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-3' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4632\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/SEO-Baner-Family.jpg\" alt=\"Family health insurance banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Long-Term Insurance for H-1B Visa Workers<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Long-term health insurance is the golden standard for health coverage as it offers the most comprehensive care. Within the United States, all long-term plans, sometimes called domestic or private insurance, must cover the following health benefits:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ambulatory services<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency services<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Maternity and newborn care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rehabilitative services<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hospitalization<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mental health and substance abuse services<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Wellness and chronic disease management<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prescription drugs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pediatric services<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Laboratory services<\/span><\/li>\n<\/ul>\n<h4><span style=\"font-weight: 400;\">Suggested Insurers for Long-Term International Insurance<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">For fantastic international long-term insurance, consider Cigna Global and Allianz Care. They each offer fantastic benefits, which we\u2019ve touched on below.<\/span><\/p>\n<h5><span style=\"font-weight: 400;\">Cignal Global for H-1B Visa Workers<\/span><\/h5>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurer-cigna\/\"><span style=\"font-weight: 400;\">Cigna Global<\/span><\/a><span style=\"font-weight: 400;\"> offers international coverage through their extensive network across their four excellent health insurance plans: their Cigna Global Health plan, with Silver, Gold, Platinum tiered packages, and their Close Care plan.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Review the table below to see the benefits of the Global Health plans:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Coverage Benefits<\/b><\/td>\n<td><b>Silver<\/b><\/td>\n<td><b>Gold<\/b><\/td>\n<td><b>Platinum<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Annual Limit Amount<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$2,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Unlimited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Coverage Area<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Worldwide<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Worldwide<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Worldwide<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Inpatient and Outpatient Treatment<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full for a private room<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full for a private room<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full for a private room<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Hospital Accommodation for Parent or Guardian<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Pandemics, Epidemics, and Outbreaks of Infectious Diseases<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Inpatient Cash Benefit<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$100<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$100<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$100<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Accident and ER Treatment<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$500<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,200<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Transplant Services<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Advanced Medical Imaging<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$10,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$15,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rehabilitation<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$5,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$10,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Home Nursing<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$2,500<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$5,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Acupuncture and Chinese Medicine<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,500<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$2,500<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Palliative Care<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$35,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$60,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">For cost-effective health insurance, the Close Care package offers an annual coverage limit of $500,000, which you may use in the U.S. or your country of nationality. It covers:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00a0In-patient care in full for a semi-private room<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00a0Out-patient care in full for a semi-private room<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00a0Accommodation costs in full for a semi-private room<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cancer care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">$3,000 for mental and behavioral health care\u00a0<\/span><\/li>\n<\/ul>\n<h5><span style=\"font-weight: 400;\">Allianz Care for H-1B Visa Workers<\/span><\/h5>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/allianz\/\"><span style=\"font-weight: 400;\">Allianz Care<\/span><\/a><span style=\"font-weight: 400;\"> offers three different long-term international plans\u2014their Care plan, Care Plus plan, and Care Pro plan.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The Allianz Care plan covers a maximum of $2,500,000, which includes coverage for semi-private in-patient and day-patient hospital rooms as well as oncology, rehabilitation, medical evacuation, home care, and emergency outpatient treatment.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Allianz\u2019s Care Plus plan offers a maximum coverage of $4,000,000, with the same coverage as the Care plan but with the addition of emergency dental care.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Allianz\u2019s Care Pro plan covers the highest maximum amount at $5,000,000. It covers the same benefits as the Care Plus plan but also includes preventative surgery and laser eye treatment.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Frequently Asked Questions:\u00a0<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">What is ISO insurance?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">ISO insurance is insurance offered through the International Student Organization. While most of their plans cater to international students, they also offer coverage for other international visa holders.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">How can I make a claim with ISO insurance?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">To file an insurance claim with ISO, first provide your insurance ID to your doctor and request that they file the claim. If your doctor does not file claims, gather the required documents, and fill out the claim form<\/span><span style=\"font-weight: 400;\"> on the <\/span><a href=\"https:\/\/isoa.org\/ClaimsProcess\"><span style=\"font-weight: 400;\">ISO Claims Process<\/span><\/a><span style=\"font-weight: 400;\"> website within 90 days of care.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Is it possible to have no health insurance while on an H1B visa?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">It is possible to go without health insurance while working on an H-1B visa, but it is highly discouraged as healthcare in the United States is very expensive. Paying for medical care without insurance is extremely costly.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Is ISO an HMO or PPO plan?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">ISO insurance is an Aetna PPO plan.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-72' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-72-new.css?v1.47' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-72-link CompareNowbutton\">\n        <div class=\"inserter-72-new\">\n            <h3>Start by Comparing <br>Insurance Plans Online<\/h3>\n            <div class=\"inserter-img-box\">\n                <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/desktop.png\" alt=\" \">\n            <\/div>\n            <div class=\"inserter-compare-box\">\n                <p>Browse and Compare 50,000+ <br>International Health Plans<\/p>\n                <button>Compare NOW<\/button>\n            <\/div>\n        <\/div>\n    <\/a><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Conclusion<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Whether you choose an ISO plan for your time working in the United States on your H-1B visa or you choose something else, ensure that you work with a professional broker to nail down the right plan for you. When you work with <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/\"><span style=\"font-weight: 400;\">Pacific Prime<\/span><\/a><span style=\"font-weight: 400;\">, you receive free assistance from a qualified professional.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Call us toll-free at 1-800-868-1451 about one of the plans above, get a quote, or <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/\"><span style=\"font-weight: 400;\">compare plans<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The International Student Organization (ISO) offers its Voyager plan for H-1B visa holders looking for short-term coverage. While H-1B visa holders in the U.S. for 6\u201310 months or less are not required to purchase health insurance, the U.S.\u2019s costly healthcare makes health insurance recommended.\u00a0 Are you a H-1B visa holder preparing for work in the &#8230;<\/p>\n","protected":false},"author":54,"featured_media":18878,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[570,217],"tags":[],"class_list":["post-18876","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health","category-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>ISO Health Insurance for H-1B Visa Holders<\/title>\n<meta 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