Student Health Plans Summary

DIANins · International Student Health Plans

Plan Comparison

White · Green · Blue 80/90/100 · Blue 80/90/100 CA — all use the U.S. network Aetna. Figures follow each plan's Schedule of Benefits; coinsurance (%) is In-Network unless noted.
The Blue plan names reflect the coinsurance level: Blue 80 pays 80%, Blue 90 pays 90%, Blue 100 pays 100%.

* White plan: This plan has many benefits with fixed daily limits. Plans of this type were widely introduced in the early 2000s and remain popular with students studying in cities with lower medical costs.

* Green plan: No daily limits, covering up to $500,000 per claim. Used ~20 years ago to meet many schools' waiver requirements, it is still popular as a waiver plan at schools in small and mid-sized cities. Relative to its premium, it covers preventive vaccinations at 100% up to $250/year.

* Blue plan: Launched in the late 2010s as a waiver plan for international students, the Blue plan is required as a waiver condition by most universities in larger, higher-cost cities. It offers very comprehensive benefits at a highly competitive price.

* Blue CA plan: Derived from the Blue plan, this version adds ACA-required benefits such as rehabilitation therapy, HIV screening, and pediatric dental.

✓ Covered    ✗ Not covered    orange text = has a cap    ◆ best in this row

How the out-of-pocket maximum (OOPM) accrues —: For White · Green · Blue, the deductible and copays do not accrue toward the OOPM. In contrast, Blue CA is an ACA-style structure where deductible, copays, and coinsurance all count toward the OOPM. White's OOPM is itself "Unlimited (no cap)", so out-of-pocket costs can grow large on major claims.