DIANins · International Student Health Plans
Compare with Blue 90 & 100
The Blue plan comes in three tiers by coinsurance level — Blue 80 (80%), Blue 90 (90%), Blue 100 (100%). All three share identical covered benefits, caps, and exclusions; only the coinsurance rate, deductible, and out-of-pocket maximum (OOPM) differ. U.S. network is Aetna throughout.
Blue 80: The lowest-premium tier. The insurer pays 80% of claims (you pay 20%), with the highest deductible and OOPM. Best for students prioritizing a lower premium.
Blue 90: The middle tier. The insurer pays 90% (you pay 10%), with a mid-level deductible and OOPM. A balance of premium and coverage.
Blue 100: The top tier. After the deductible, the insurer pays 100% of In-Network claims, so your out-of-pocket cost is lowest. With the lowest deductible ($0) and OOPM, it suits students wanting predictable costs.
✓ Covered ✗ Not covered orange text = has a cap ◆ best in this row
| |
Blue 8080% Coinsurance |
Blue 9090% Coinsurance |
Blue 100100% Coinsurance |
| Core Benefits |
| DeductibleIn-Network |
$500 |
$100 |
$0 ◆ |
| DeductibleOut-of-Network |
$750 |
$500 |
$200 ◆ |
| Maximum per policy year |
UnlimitedUnlimited |
UnlimitedUnlimited |
UnlimitedUnlimited |
| Out-of-pocket maximumIn-Network |
$7,000OON $14,000 |
$6,000OON $12,000 |
$5,000 ◆OON $10,000 |
| CoinsuranceIn-Network |
80%OON 70% |
90%OON 70% |
100% ◆OON 70% |
| Pre-existing condition |
No waitStudent / Dependents 24mo |
No waitStudent / Dependents 24mo |
No waitStudent / Dependents 24mo |
| Vaccine & Physical Exam |
✓In-Net 100% |
✓In-Net 100% |
✓In-Net 100% |
| Copay — Office visitPhysician / Specialist |
$25 |
$25 |
$25 |
| Copay — ERwaived if admitted |
$150 |
$150 |
$150 |
| Copay — SHC / Urgent CareSHC / Urgent Care |
$0 / $50 |
$0 / $50 |
$0 / $50 |
| Prescription Drugs |
$10 / $30 / $50Tier 1 / 2 / 3 |
$10 / $30 / $50Tier 1 / 2 / 3 |
$10 / $30 / $50Tier 1 / 2 / 3 |
| Other Key Benefits |
| Hospitalization |
✓80% |
✓90% |
✓100% |
| ICU / Cardiac |
✓ |
✓ |
✓ |
| Surgical Benefits |
✓80% |
✓90% |
✓90% |
| Reconstructive Surgery |
✓ |
✓ |
✓ |
| Inpatient Rehabilitation |
✓45 days |
✓45 days |
✓45 days |
| Maternity |
✓80% |
✓90% |
✓100% |
| Elective Abortion |
✓$1,500 |
✓$1,500 |
✓$1,500 |
| Mental Health |
✓80% |
✓90% |
✓100% |
| Physical / Therapeutic |
✓12 visits |
✓12 visits |
✓12 visits |
| Cancer & Oncology |
✓80% |
✓90% |
✓100% |
| AIDS · HIV · STD |
✓80% |
✓90% |
✓100% |
| Alcohol / Substance |
✓80% UCR |
✓90% UCR |
✓100% UCR |
| Chiro / Acupuncture |
✓$500 |
✓$500 |
✓$500 |
| Home Health / Hospice |
✓Hospice 45 days / $5,000 |
✓Hospice 45 days / $5,000 |
✓Hospice 45 days / $5,000 |
| Organ / Transplant |
✗ |
✗ |
✗ |
| Congenital / Habilitative |
✗ |
✗ |
✗ |
| Allergy / HIV Screening |
✗ |
✗ |
✗ |
| Pediatric Dental / Vision |
✗ |
✗ |
✗ |
| Emergency Dental |
✓$250/tooth · $1,000 |
✓$250/tooth · $1,000 |
✓$250/tooth · $1,000 |
| Palliative Dental |
✓$600 |
✓$600 |
✓$600 |
| Recreational Sports |
✓80% |
✓90% |
✓100% |
| Evacuation / Repatriation |
✓100% |
✓100% |
✓100% |
| Excluded in all three tiers |
| Gender identity/dysphoria · cosmetic/elective surgery · infertility (IVF)/sterilization · vision correction·glasses·LASIK (except pediatric vision) · dental (except accidental/pediatric) · hearing aids · obesity/weight-loss treatment · smoking cessation · sleep studies (sleep apnea) · sexual dysfunction · genetic screening · breast reduction · travel immunizations · competitive/hazardous sports (varsity·club competition, skydiving, scuba beyond 30m, etc.)·motorcycles · war·terrorism · home-country care (beyond schedule) · care by a family member · costs reimbursable by other insurance/government |
How to choose a tier — important: All three tiers share identical covered benefits, caps, and exclusions; only the coinsurance rate, deductible, and OOPM differ. A higher payout (80→100) means a higher premium but lower out-of-pocket cost per claim. Out-of-network is 70% for all three tiers.
Out-of-network OOPM is 2× the In-Network figure ($14,000 / $12,000 / $10,000).
Common: all four plans use the U.S. Aetna network, are issued by Spectrum Life, and use Global Reach Rx network pharmacies for prescriptions.
This table summarizes the Schedule of Benefits; final contract terms follow the official policy document.
| DIANins |
Int'l Student Insurance Guide |
WHAT MAKES INSURANCE REASONABLE?
Best price &
coverage match
Hi! I'm DIANai 🙌
Good insurance isn’t the priciest —
it’s the one where
price and benefits stay balanced.
⚖️ Blue 80 hits the "efficient zone"
You take on a little of the small risk, and in return you save for sure on premium.
| 🤝 |
Shared cost (Coinsurance)Split care costs 80 / 20 with the insurer |
20% |
| 🛡️ |
You hold the first layer (Deductible)You cover the first slice; insurance takes the rest |
$500 |
| 💰 |
In return, a lower premiumStay healthy and the saved premium is yours |
−$300 |
The plan in the "best cost-efficiency zone" — the lightest load for both you and the insurer.
🧮 What if you claim $200?
Follow a small-bill case and you'll see why it's win-win.
| 🧾 |
A $200 bill comes up → it's within the deductible ($500), so you just pay $200 and you're done. |
| 🏢 |
The insurer never has to process a small claim, so there's no claims-handling cost. |
| 😊 |
You spend $200 of your $300 saved premium and still keep $100. |
🤝 Insurer 👍 + You 👍 = win-win
| 💉 |
Preventive benefits — vaccines, immunizations, check-ups — are covered right away with no deductible. They’re separate from your first $500, so no worries! |
🔍 How to compare look-alike plans
Go in order and the truly reasonable plan shows up.
| 1 |
Group by the same price
First pick a few plans with similar premiums and compare them on the same line.
|
| 2 |
Whose deductible is lower
At the same premium, the one with the lower upfront deductible wins.
|
| 3 |
Is the copay fair?
School group plans usually run $20–30 for an office visit. Use that as your benchmark — and check the Urgent care copay too.
Benchmark: office visit $20–30 |
| 4 |
Prescriptions — copay or coinsurance?
School group plans typically charge Tier 1/2/3/4 = $10/$40/$60/$100 copay, and ~30% coinsurance out-of-network. Tier 1 is ~90% of claims by count, but Tier 2/3/4 make up 90% of drug cost — so check the Tier 2·3 share.
Key: Tier 2·3 cost |
| 5 |
Check the exclusions
Finally, make sure a very common benefit isn't quietly listed as an exclusion.
|
⚠️ A "partner plan" that costs more?
Be careful with plans charging $200 more for similar benefits.
If a premium is higher, your out-of-pocket should be lower to be comparable. If the benefits match Blue 80 but the premium is hundreds more, it isn’t the same comparison.
Drop that plan’s premium by $200 and its deductible likely climbs to about $900 — so it’s hard to call it an equal plan.
A smart choice — Blue 80
Compare price and coverage for yourself.
Ask DIANai anything!
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