F1 - OPT
health insurance for
University of Wisconsin - Madison
At Student Medicover, we provide students with the most comprehensive health coverage at the lowest possible cost, with plans starting at just $2.36 per day. This helps students save money while ensuring they stay fully protected.
Understanding OPT Health Insurance
OPT Health Insurance Facts:
– While the U.S. government does not mandate students to purchase insurance during OPT, given the high cost of healthcare, it is highly recommended that all students have health insurance coverage.
– During the OPT period, students remain on F1 visa status and are eligible for affordable alternative health insurance plans, which are typically much cheaper than those available to green card holders or U.S. citizens.
OPT Health Insurance Eligibility:
– All students in OPT are eligible to purchase OPT health insurance, regardless of their employment status.
– Students who are in the grace period (60 days grace period after graduation or the end of the OPT period) are not eligible to purchase OPT health insurance.
Featured plans for University of Wisconsin – Madison Students
Supreme
UHC Choice Plus PPO-
$0 Deductible
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90% Coinsurance
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$20 Copay Physician Visit
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$5000 Out-of-pocket Maximum
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Prescription Drugs
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Unlimited Annual Maximum
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100% Preventive Care
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100% College Immunization
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0$ Copay 0$ Deductible Student Health Center
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$200 Adult Vision Benefit
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Add-On Benefits (Contact Us For Info)
Elite
UHC Choice Plus PPO-
$0 Deductible
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90% Coinsurance
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$20 Copay Physician Visit
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$5000 Out-of-pocket Maximum
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Prescription Drugs
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Unlimited Annual Maximum
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100% Preventive Care
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100% College Immunization
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0$ Copay 0$ Deductible Student Health Center
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$200 Adult Vision Benefit
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Add-On Benefits (Contact Us For Info)
Prime 100
UHC Choice Plus PPO-
$100 Deductible
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80% Coinsurance
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$25 Copay Physician Visit
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$6350 Out-of-pocket Maximum
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Prescription Drugs
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Unlimited Annual Maximum
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100% Preventive Care
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100% College Immunization
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0$ Copay 0$ Deductible Student Health Center
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$200 Adult Vision Benefit
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Add-On Benefits (Contact Us For Info)
Prime 500
UHC Choice Plus PPO-
$500 Deductible
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80% Coinsurance
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$50 Copay Physician Visit
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$7350 Out-of-pocket Maximum
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Prescription Drugs
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Unlimited Annual Maximum
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100% Preventive Care
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100% College Immunization
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0$ Copay 0$ Deductible Student Health Center
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$200 Adult Vision Benefit
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Add-On Benefits (Contact Us For Info)
*To explore insurance plans beyond the featured ones, please refer to the quotes below.
Quote Your Rate
Online Doctors For University of Wisconsin – Madison Students
Connect A Doctor In 5 Minutes
All Student Medicover insured students aged 18 and older can access HealthiestYou’s free online medical consultation service, connecting with a professional doctor in as little as 5 minutes, with an average consultation time of 11 minutes for medical or psychological counseling.
In-network Doctors Near University of Wisconsin – Madison
Disclaimer: The above data is based on the number of hospitals within 20 miles of the school’s main campus (90263), data taken from January 2025, for reference only, specific information can be viewed by clicking the button below to enter the address yourself.
University of Wisconsin – Madison Students FAQs
2. Can I enroll in dental and vision coverage from Student Medicover?
Yes, if you are 18 or older, we offer a variety of dental and vision insurance and discount plans to suit your needs. Our plans cover pediatric dental and vision care, except for the Basic plan. Additionally, Supreme, Elite, and Prime 100 include $200 in vision coverage.
3. Does Student Medicover health insurance cover vaccines?
2024-2025 Policy Year Supreme, Elite, Prime 100, and Prime 500 cover the preventive care services rendered in in-network facilities. Most of the college-required vaccinations are on our preventive care services list. For the full vaccination list covered by our plans, please click here.
4. Are pre-existing conditions covered under Student Medicover health insurance?
2024-2025 Policy Year Supreme, Elite, Prime 100, and Prime 500 have no pre-existing conditions waiting period or exclusion.
5. How do I file a claim for medical expenses under Student Medicover health insurance?
If you visited an In-Network provider, please show your official insurance card during your visit; in-network providers will submit your claims to UHCSR directly, so you don’t need to submit the claim by yourself. If you visited an Out-of-network provider or your school’s student health center cannot bill your claims to the insurance company. You may login to your UHCSR account, click on “Submit Claim” and submit a claim in your portal. The system will require you to submit your official insurance card, monthly statement from your bank and an Itemized bill including provider address, provider tax ID, diagnosis code and procedure code. Please allow up to 20 business days for the insurance company to process your claims.
6. Are prescription drugs covered under Student Medicover health insurance?
Yes, it is covered if you are enrolled in the Prime 500/Prime100/Elite/Supreme plan.
Note: you need to get prescription drugs from the in-network pharmacies.
For 2024- 2025 policy year, Student Medicover Global care basic, Global care plus, Prime 500, Prime 100, Elite, Supreme plans can cover prescription drugs if you purchase the drug from in-network pharmacy. Please note our plans does not provide benefits for drugs purchased at out of network pharmacy stores.
7. Are OTC drugs covered under Student Medicover insurance?
Most insurance plans, including Student Medicover, typically provide coverage for prescription drugs but do not include coverage for Over-The-Counter (OTC) medications such as Tylenol.
8. What is the difference between deductible and copay?
A deductible is the amount you must pay out of pocket for covered medical expenses before your insurance starts to pay, while a copay is a fixed amount you pay for certain covered medical services or prescription drugs.
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