Global Engagement > Student Resources > International Student & Scholar Services > Health Insurance

Health Insurance

DePaul University offers a comprehensive and affordable health insurance plan for international students through ISO Student Health Insurance. To read more about the plan, download the ISO Student Health Insurance Brochure below:

Academic Year 2018-2019: ISO Student Health Insurance Brochure​

Frequently Asked Questions

What is Health Insurance and why is it important?

​Health insurance is a way to insure yourself against the very expensive costs associated with illness and injury minus any policy exclusions. In return for a premium (monthly fee), the insurance company agrees to pay the price of a portion of your medical expenses, minus any deductible (amount that you must first pay before the insurance company contributes). ​

The U.S. does not have a national health care system like many other countries. If a person does not have health insurance and needs medical assistance, s/he is responsible for paying all medical fees. The cost of medical care is very expensive and the fastest rising expense in the U.S. today.

Become familiar with health insurance terminology and research the plan premium, co-insurance rates, deductible, coverage limits and exclusions. It is important to be familiar with the details of your insurance plan and to read your policy carefully and completely, ​including the information in the fine print.

Who is automatically enrolled?

New international students beginning their studies at DePaul in Fall 2015 or later will automatically be enrolled in the ISO Student Health Plan. Automatic enrollment applies to all F-1 students with an I-20 program start date of 8/24/2015 and beyond.

What if I don’t qualify for automatic enrollment? Can I purchase the ISO plan on my own?

If you are an F-1 visa holder with an I-20 program start date before 8/24/2015, then you can purchase the ISO insurance here​

If you are J-1, J-2, F-2, or on F-1 OPT, you can purchase the ISO insurance here.

  • F-1 OPT students with a valid I-20 can purchase the ISO OPTima (OPT) Plan.
  • J-1 students with a valid DS-2019 can purchase the J1 Exchange Plan.
  • Dependents on F-2 or J-2 visa can enroll either with the F1/J1 visa holder as a dependent or on their own, by purchasing the ISO Voyager plan for non-student. The second option is usually more affordable but less benefits are offered.


How do I request a waiver?

If you are a new international student on an F-1 visa who already has health insurance, you may qualify for a waiver. The waiver application opens at the beginning of each quarter and is open for about 1 month. Please note: Health Insurance charges on your Student Account will not be removed until after the Waiver deadline.


In order to qualify for a waiver, your health insurance plan must meet the following requirements and provide coverage throughout the entire length of your enrollment at DePaul:
  • Lab Tests & X-rays
  • Prescriptions Drugs
  • Hospitalization (including room & board, physicians' fees and surgical expenses)
  • Outpatient hospital services
  • Mental health benefits
  • Emergency room care
  • A deductible not to exceed $500 annually
  • Per injury maximum of at least $250,000 with no lifetime maximum
  • Maximum out-of-pocket expenses $6,000 annually
  • Repatriation coverage at least $25,000
  • Medical evacuation coverage to home at least $50,000
  • Co-insurance in-network of at least 80%
  • No exclusion for pre-existing conditions
  • U.S. claims office and toll free number
You will need a copy of your current health insurance ID card and your health insurance brochure or plan description before you start the waiver. Your online application will be reviewed and you will receive an email approving or denying your application. DePaul University and ISO reserve the right to audit waivers submitted.

For questions regarding the ISO health insurance plan and insurance waiver process, please contact ISO directly at (800) 244-1180 or customercare@isoa.org​.

What are the ISO enrollment dates & billing process?

The ISO Insurance fee is separate from the tuition payment and will be charged to your account during the coverage dates. ISO insurance costs $72 per month. Undergraduate and Graduate students will be charged per quarter. College of Law students are charged per semester. Charges will appear on your student account. Be sure to pay your bill within 30 days to avoid a late fee.

​​​ Fall​ ​Winter ​Spring ​Summer
​​Coverage Dates
Quarter
​Aug. 19 - Dec. 19 Dec. 19 - Mar. 22​ ​Mar. 22 - Jun. 17 ​Jun. 17 - Aug. 25
​Coverage Dates
Semester LAW
Aug. 19 - Dec. 19
Initial: Aug. 5 - Dec. 19​

Dec. 19 - May 19
Initial: Jan. 1 - May 19

​May 19 - Aug. 19
Dates when students
should receive their 
Health Cards from ISO​
September 17​ ​January 17 April 11​ ​July 3
​ISO charges APPEAR
on Student Accounts
(estimate)
​September 26 ​January 28 April 22​ ​July 12
​Waiver Deadline
October 3 ​February 1 April 26
August 3​

ISO charges REMOVED
from Student Accounts
(Estimate: For those whose waivers are  approved or are
no longer enrolled in classes.)
​​November 1 ​February 25 ​May 20 ​August 31

How do I find a doctor?

ISO has a very useful Frequently Asked Questions (FAQ) section on its website to help answer questions about your insurance coverage and to help you find a doctor.

You can search for in-network providers here​.

Using the Student Health Center in Lincoln Park

Understand your options for using ISO insurance or paying the Presence health services fee ($60/quarter).

Presence Sage Medical Group ("Presence") is a community health care provider with a clinic conveniently located in DePaul’s Lincoln Park campus. For more information, click here.

Students who pay the Presence services fee ($60 per quarter through Campus Connect) are treated as current patients for non-emergency visits. Office visits and basic lab work are covered by the fee. Ideally, students would pay the fee and also have health insurance. However, if students use ISO insurance instead of paying the Presence health services fee, they will be charged a deductible plus any out-of-pocket expenses for tests or lab work. Click here​ for more information about your options for using ISO insurance vs paying the Presence health services fee for international students. 

Presence Sage Medical Group
1150 W. Fullerton Ave., Second Floor 
Chicago, IL 60614 
(773) 549-7757

Understanding HealthSmart letter and healthcare bills

Students using healthcare services with ISO health insurance will receive a letter from HealthSmart, a third party company, explaining what charges are covered by the insurance company and what are those to be paid by the students. 

HealthSmart letters are NOT bills, they are a summary of your insurance coverage and a cost estimate of the service(s) you received. You will receive a bill in the mail directly from the clinic or hospital where health services were provided.

To understand how to interpret a HealthSmart letter, please click here​​.

You may also call an ISO claims administrator at (800) 203-4720 between 8 A.M. and 5:00 P.M. EST Monday through Friday.

What immunization records are required?

DePaul requires that every student submit proof that they have been immunized from specific diseases. Unfortunately, the ISO insurance plan does not cover immunizations.

To learn more about what immunizations are required and how to submit your proof of immunization online visit the Immunizations Requirement webpage​

*We also recommend that you bring a copy of your records with you as back-up in case you need to re-submit for any reason.