Cornell University

International Student Health Insurance

  • Five Points 500 plan is based in USA plan.
  • 500 plan has moderate deductible and coinsurance with reasonable premium but it has high Out-of Pocket Maximum than school insurance. compare 500 with school insurance first before enrollment.
  • The Network provider, First Health has 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

    • New student: select the insurance period from Aug 1 to June 30

    2026-02-01 ~ 2026-07-31

    School Plan Five Points 500
    Plan Type ACA Comliant ACA Comliant
    Maximum Unlimited Unlimited
    Co-insurance (Network) 90% 80%
    Co-insurance (Out-of Network) 10% 50%
    Deductible in Student Health Center $0 $0
    Deductible in Network $0 $500
    Copay in SHC $10 $0
    Prescription Drug Direc-billing Direct-billing at OPTum
    Preventive care (Network/SHC) 100% 100%(inNetwork)
    Out of Pocket Max (Network) $3,000 $8,000
    Medical Network AETNA First Health
    Spring/Summer (17-24 years old) $2,040 $669
    Spring/Summer (25-29 years old) $2,040 $917
    Spring/Summer (30-45 years old) $2,040 $2,008
    Detail
    Individual Buy
    Group  (10% saving for 3 or more students)
    ACA Compliant Plan: 10%     		Group