Compass Student Insurance Souscrire
Compass Student Insurance
Waiver-ready, ACA-comparable plans on UnitedHealthcare PPO — three tiers for F-1, J-1, M-1 students with money-back guarantee if school rejects
À partir de $34–121
✓ Conforme au visa
up to 64 Limite d'âge
Dernière mise à jour: April 27, 2026
Choisissez votre formule
Formules disponibles
Comparez les niveaux de couverture et choisissez la formule adaptée.
ACA-Comparable
Compass Benchmark
À partir de $121 /mois
- Franchise: $250 or $500 (your choice)
Comparaison des garanties
Comparer les couvertures
Découvrez en détail ce que chaque formule couvre.
| Caractéristique | Compass Savings | Compass Care | ACA-Comparable Compass Benchmark |
|---|---|---|---|
| Couverture de base | |||
| Soins ambulatoires | Non couvert | Non couvert | Non couvert |
| Hospitalisation | Non couvert | Non couvert | Non couvert |
| Médicaments | Non couvert | Non couvert | Non couvert |
| Franchise / Copaiement | $100 per injury/illness | $250 per period | $250 or $500 (your choice) |
| Dentaire & Optique | |||
| Soins dentaires | Non couvert | Non couvert | Non couvert |
| Budget dentaire | Non couvert | Non couvert | Non couvert |
| Optique | Non couvert | Non couvert | Non couvert |
| Avantages supplémentaires | |||
| Santé mentale | Non couvert | Non couvert | Non couvert |
| Grossesse & Maternité | Non couvert | Non couvert | Non couvert |
| Télémédecine | | | |
| Rapatriement | | | |
| Conforme au visa | | | |
| SouscrireCompass Savings → | SouscrireCompass Care → | SouscrireCompass Benchmark → | |
Compass Savings
Compass Care
Compass Benchmark ACA-Comparable
Couverture de base
Soins ambulatoires
Non couvert
Non couvert
Non couvert
Hospitalisation
Non couvert
Non couvert
Non couvert
Médicaments
Non couvert
Non couvert
Non couvert
Franchise / Copaiement
$100 per injury/illness
$250 per period
$250 or $500 (your choice)
Dentaire & Optique
Soins dentaires
Non couvert
Non couvert
Non couvert
Budget dentaire
Non couvert
Non couvert
Non couvert
Optique
Non couvert
Non couvert
Non couvert
Avantages supplémentaires
Santé mentale
Non couvert
Non couvert
Non couvert
Grossesse & Maternité
Non couvert
Non couvert
Non couvert
Télémédecine
Rapatriement
Conforme au visa
Ce qui est couvert
Détails des prestations et de la couverture.
Inclus
Daily billing — pay only for days you need (not forced into monthly billing)
ACA-comparable Benchmark tier — accepted at universities requiring ACA-style coverage
Money-back guarantee if your school rejects the plan (and no claims yet)
UnitedHealthcare PPO network with direct billing across the U.S.
25+ years experience focused only on international students
Non couvert
Regional pricing — actual rates vary by U.S. state, may be higher than starting price
Savings tier ($200K max) often won't meet strict university waiver criteria
Less brand recognition than IMG or WorldTrips at large state universities
Add-ons (virtual care, pharmacy) cost extra on top of base premium
Tarifs
Tarifs par âge
Prime mensuelle nette par tranche d'âge. Aucun frais caché.
Tranche d'âge Prime mensuelle
Remplit l'obligation d'assurance
FAQ
Questions fréquentes sur Compass Student Insurance
ACA-compliant plans meet all Affordable Care Act mandates (preventive care, maternity, mental health, no annual limits). Most international student plans are not fully ACA-compliant because international students are exempt from the individual mandate. Compass's Benchmark tier is 'ACA-comparable' — it covers the major ACA benefits and is accepted by universities that require ACA-style coverage.
If you submit your Compass plan to your university for waiver and it is rejected, Compass refunds your premium — provided you have not yet filed any insurance claims. This is helpful if you're unsure whether your school will accept the plan. Always run the waiver check first.
Most U.S. student plans force you to buy in monthly blocks. Compass charges by the exact number of days you select. So if you arrive on August 22 and your university plan starts on September 1, you only pay for those 10 transitional days — useful for the gap between arrival and your school's coverage start.
Yes, Compass offers dedicated OPT plans for F-1 students entering Optional Practical Training. Coverage during OPT is critical because traditional student plans typically end at graduation. Compass also covers the gap between graduation and the start of employer-sponsored insurance.
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