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

Health Insurance

For the 2023-2024 academic year, DePaul University offers an accident and sickness 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 2023-2024: ISO Student Health Insurance ​Brochure​

The waiver and opt-out deadline for the Summer 2024 term is July 1st, 2024. Please review the information about waivers and opt-outs in the FAQ section below and s​ubmit the appropriate form.​​

For the 2024-2025 academic year, DePaul University is offering a new comprehensive health insurance coverage for all students, including international students. Please visit the Office of Health Promotion & Wellness Health Insurance webpage for more information. Students with questions related to the change in health insurance beginning Fall 2024, may email  Current international students questions about their ISO Health Insurance should contact ISO through August 2024.

Frequently Asked Questions

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.

All F-1 international students who have an active I-20 and are enrolled in DePaul classes will be automatically added to ISO health coverage on a rolling basis. Eligible students will be covered according to the term coverage dates. To see when you can expect to receive your insurance card, please view "What are the ISO enrollment dates & billing process?"

If you are an international student but studying from outside the U.S. for the duration of this term, ISO does not provide coverage for medical costs incurred outside the U.S. To opt-out of ISO insurance for the Summer 2024 term only, please complete the ISO Out-of-Country Removal request on the ISS Portal HERE under Student Requests. All requests (including cancellations) must be submitted by July 1, 2024

*Please do not submit multiple requests. The ISO refund will appear on your student account by August 1, 2024.

If you are enrolled in classes and currently in the U.S. but already have your own health insurance coverage, read below to find out if you may qualify for 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 waiting period or exclusion for pre-existing conditions
  • Insurance company must be operating in the US with a US claims address and accessible customer service telephone number
  • Underwritten by an insurance corporation with an A.M. Best rating of "A-" or above, an Insurance Solvency International, Ltd. (ISI) rating of "A-I" or above, a Standard and Poor's Claims Paying Ability rating of "A-" or above, or a Weiss Research, Inc. rating of B+ or above.
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

If you are an F-1 visa holder with an I-20 program start date before 8/24/2015 but are not currently enrolled in classes, you can purchase the ISO insurance directly here

If you hold a J-1, J-2, F-2, or F-1 OPT status, you can also purchase 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-students. The second option is usually more affordable but less benefits are offered.


The ISO Insurance fee is separate from the tuition payment.   ISO insurance costs $86 per month and will be charged per quarter (per semester for College of Law students).  Please note that ISO charges may appear on your student account after the tuition due date.  All bills should be paid according to the due date listed in your student account.
Fall Winter Spring Summer
Coverage Dates
Aug. 25 - Dec. 24 Dec. 25 - Mar. 24 Mar. 25 - Jun. 16 Jun. 17 - Aug. 24
Coverage Dates
Semester LAW
Aug. 21 - Dec. 24
Initial: Aug. 14 - Dec. 24

Dec. 25 - May 18
Initial: Jan. 8 - May 18

May 19 - Aug. 20
Dates when students
should receive their 
Health Cards from ISO
August 14 - September 21 December 7 - January 22 March 11 - April 17 May 27 - June 28
ISO charges APPEAR
on Student Accounts
August 4 - September 13 November 29 - January 12 March 1 - April 9 May 17 - June 20
Waiver and Opt-Out Deadline September 29 January 26 April 26 July 1
from Student Accounts
(Estimate: For those whose waivers are  approved or are
no longer enrolled in classes.)
November 3 March 6 May 15 August 7

If you are a continuing student, your ISO insurance card will be emailed to your email address directly from ISO each term. If you are an initial student, the card might be sent to the email that you used to apply to your DePaul program. Please be sure to check your spam/junk folder if you do not receive an email from ISO.

We process health insurance enrollment on a rolling basis, so some students may get their insurance cards before others. Please refer to ISO enrollment dates & billing process for the "Date when students should receive their Health Cards from ISO" for when you should receive your insurance card.

Please email for assistance. If you have a health emergency, please seek medical assistance immediately. You will be able to submit your medical bills to ISO later for billing. To find a doctor or provider within your network, please use this link.

Yes - Unless you have been approved for a waiver directly by ISO or are a sponsored student (e.g. SACM) where your sponsor provides their own health insurance, all eligible students are automatically added to ISO health coverage.  ISO will send your insurance card to your DePaul email address– please check your SPAM folder before calling ISO at 800-244-1180.

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.

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. 

Effective August 25, 2019, students using healthcare services with ISO health insurance will receive a letter from Wellfleet, a third party company, explaining what charges are covered by the insurance company and what are those to be paid by the students. 

Wellfleet 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 Wellfleet letter, please click here.  You may also call an ISO claims administrator, Wellfleet Monday – Thursday 8:30am– 7:00pm EST & Friday 8:30am– 5:00pm EST at (855)-664-5837.


For healthcare services received prior to August 25, 2019, students using ISO health insurance will receive a letter from Healthsmart. To understand how to interpret a HealthSmart letter, please click here.

AMITA Sage Medical Group ("AMITA") 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 AMITA 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 AMITA 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 AMITA health services fee for international students. 
AMITA Sage Medical Group
1150 W. Fullerton Ave., Second Floor 
Chicago, IL 60614 
(773) 549-7757

No. We process health insurance enrollment each term, so your insurance card is valid for the coverage period of that term – please refer to ISO enrollment dates & billing process for coverage dates. Every term, ISO will email you a new insurance card with new insurance ID. Please always use the correct insurance card and ID to avoid any confusion.

Contact ISO

ISO Health Insurance

(800) 244-1180 (MF 9am-6pm EST)​