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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
From $34–121
✓ Visa Compliant
up to 64 Age Limit
Last updated: April 27, 2026
Choose Your Plan
Available Plans
Compare coverage tiers and pick the plan that fits your needs.
ACA-Comparable
Compass Benchmark
From $121 /month
- Deductible: $250 or $500 (your choice)
Coverage Comparison
Compare Plan Coverage
See exactly what each plan covers side by side.
| Feature | Compass Savings | Compass Care | ACA-Comparable Compass Benchmark |
|---|---|---|---|
| Core Coverage | |||
| Outpatient Treatment | Not covered | Not covered | Not covered |
| Hospital (Inpatient) | Not covered | Not covered | Not covered |
| Medication | Not covered | Not covered | Not covered |
| Deductible / Co-pay | $100 per injury/illness | $250 per period | $250 or $500 (your choice) |
| Dental & Vision | |||
| Dental Care | Not covered | Not covered | Not covered |
| Dental Budget | Not covered | Not covered | Not covered |
| Vision | Not covered | Not covered | Not covered |
| Additional Benefits | |||
| Mental Health | Not covered | Not covered | Not covered |
| Pregnancy & Maternity | Not covered | Not covered | Not covered |
| Telemedicine | | | |
| Repatriation | | | |
| Visa Compliant | | | |
| ApplyCompass Savings → | ApplyCompass Care → | ApplyCompass Benchmark → | |
Compass Savings
Compass Care
Compass Benchmark ACA-Comparable
Core Coverage
Outpatient Treatment
Not covered
Not covered
Not covered
Hospital (Inpatient)
Not covered
Not covered
Not covered
Medication
Not covered
Not covered
Not covered
Deductible / Co-pay
$100 per injury/illness
$250 per period
$250 or $500 (your choice)
Dental & Vision
Dental Care
Not covered
Not covered
Not covered
Dental Budget
Not covered
Not covered
Not covered
Vision
Not covered
Not covered
Not covered
Additional Benefits
Mental Health
Not covered
Not covered
Not covered
Pregnancy & Maternity
Not covered
Not covered
Not covered
Telemedicine
Repatriation
Visa Compliant
What's Covered
Benefits and coverage details.
Included
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
Not Covered
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
Pricing
Pricing by Age
Monthly net premium by age group. No hidden fees.
Age Group Monthly Premium
Fulfills insurance obligation
FAQ
Frequently Asked Questions about 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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