University of Southern California

International Student Health Insurance

  • Five Points 900, 500, 200 plans are based in USA plan.
  • Although 900 has low coinsurance and high deductible, it charges very competitive rates. If you are in good health, it could be a good option.
  • 500 and 200 plans have moderate deductible and coinsurance with reasonable premium but it has high Out-of Pocket Maximum than school insurance.
  • The Network provider, First Health a slightly smaller service network than the school insurance provider, so please search Urgent Care or Hospital near your house or dorm before enrollment.
  • Pharmacy is serviced by OPTum Rx and Telehealth is serviced by Teladoc Health.
  • In case of waiver denial, 100% refund is guaranteed

  • Five Points plan s are covered in USC Keck medicine with USC Pharmacy

    • Showing full year premium difference
    School Plan Five Points 900 Five Points 500 Five Points 200
    Plan Type ACA Comliant ACA Comliant ACA Comliant ACA Comliant
    Maximum Unlimited Unlimited Unlimited Unlimited
    Co-insurance (Network) 80% 70% 80% 90%
    Co-insurance (Out-of Network) 50% 50% 50% 50%
    Deductible in Student Health Center $0 $0 $0 $0
    Deductible in Network $450 $900 $500 $200
    Copay in SHC $0 $0 $0 $0
    Prescription Drug Direc-billing Direct-billing at OPTum Direct-billing at OPTum Direct-billing at OPTum
    Preventive care (Network/SHC) 100% 100%(inNetwork) 100%(inNetwork) 100%(inNetwork)
    Out of Pocket Max (Network) $6,000 $8,500 $8,000 $7,000
    Medical Network AETNA First Health First Health First Health
    Yearly rates (17~24) $3,522 $1,050 $1,350 $1,765
    Yearly rates (25~29) $3,522 $1,550 $1,850 $2,819
    Yearly rates (30~45) $3,522 $3,500 $4,050 $5,700
    Detail Detail Detail Detail
    Individual Buy Buy Buy
    Group  (10% saving for 3 or more students)
    ACA Compliant Plan: 10%     		Group Group Group