ISO 学生健康保险

ISO plans are accepted by over 3,200 U.S. universities for the insurance waiver. Always check your specific school's waiver criteria — Platinum and Gold meet most requirements (unlimited annual max), while Silver may not satisfy schools requiring no per-condition cap.

Silver ($31/month) is the cheapest with a $400,000 annual cap and $150,000 per condition. Gold ($49) has unlimited annual maximum and $300,000 per condition. Platinum ($85) is the most comprehensive with unlimited annual max, $500,000 per condition, lower deductible ($250), and unlimited evacuation/repatriation.

Yes, all ISO plans use the Aetna Passport PPO network. This means you can visit Aetna network doctors and hospitals across the U.S. with direct billing — no upfront payment required for covered services.

All three ISO plans cover pre-existing conditions after 6 months of continuous coverage. This is more generous than many competitors that require 12 months — useful if you have ongoing health needs.