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

    • 2026-01-12 ~ 2026-08-14

    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
    Spring/Summer (17-24 years old) $2,298 $618 $795 $1,040
    Spring/Summer (25-29 years old) $2,298 $913 $1,090 $1,661
    Spring/Summer (30-45 years old) $2,298 $2,062 $2,386 $3,358
    Detail Detail Detail Detail
    Individual Buy Buy Buy
    Group  (10% saving for 3 or more students)
    ACA Compliant Plan: 10%     		Group Group Group