Insurance Information
Before you leave for the U.S.
Before you leave for the U.S.
Visit your home country doctor(s)
- Your accident & sickness insurance in the U.S. will only cover medical treatment for unexpected injuries or illness. It will not cover routine annual exams or pre-existing conditions (e.g. diabetes, asthma, etc.). You should visit the doctor in your home country for a general check-up prior to your departure.
- Prescriptions for ongoing illnesses or care are not covered by your InterExchange-arranged insurance. If you take medication regularly, you should bring enough with you for the duration of your program or ask your doctor to write a prescription if you will need a refill in the U.S. Call your airline to ask how much of the medication you can bring. You may need to bring a letter from your doctor to verify your prescription.
- Dental and vision care are not included as part of your accident & sickness insurance. Be sure to get a teeth cleaning or visit the eye doctor in your home country, and bring extra contact lenses or glasses with you to the U.S. as it may be expensive to get replacements during your program.
- If you require regular care, you may pursue a more comprehensive health insurance policy on your own in addition to your accident & sickness insurance. Note that it is not possible to opt-out of the InterExchange-arranged insurance.
Read your insurance brochure
You are insured from your arrival in the U.S. through the 30-day grace period at the end of your program. If you will be arriving more than one week early, you will need to purchase insurance for early arrival (valid for up to 30 days before program start date) for $63.
Be sure to understand the maximum amounts of coverage, the services/procedures that are covered, deductibles, and copays (learn about these and other important insurance terms).
Your insurance brochure and plan details will be different depending on when you arrived in the U.S. Note: 2023 arrivals will have their insurance coverage extended onto the 2024 insurance plan after the first 364 days in the U.S., if applicable. Once you are moved to the new plan, a new insurance ID card and plan details will be sent to you.
If you are unsure which insurance plan you are on, please contact InterExchange.
2024 Arrivals
- The name of your insurance company is International Medical Group (IMG), provided through Envisage Insurance Services. Your insurance provider network is called UnitedHealthcare.
- If you arrived January 1, 2024 or later, your group number is EGNFF00539133 and this is your insurance brochure.
2022 and 2023 Arrivals
- The name of your insurance company is Seven Corners, provided through Envisage Insurance Services. Your insurance provider network is called UnitedHealthcare.
- If you arrived in 2023, your group number is FSG22-220131-05TM and this is your insurance brochure.
- If you arrived in 2022, your group number is FSG22-220131-05TM and this is your insurance brochure.
Familiarize yourself with the online insurance center
The Envisage Student Zone will have information on seeking treatment, finding a local in-network doctor, submitting a claim, etc.
The healthcare system in the U.S. can be quite confusing! Learn more about using your insurance as an international participant.
Your insurance brochure and plan details will be different depending on when you arrived in the U.S. Note: 2023 arrivals will have their insurance coverage extended onto the 2024 insurance plan after the first 364 days in the U.S., if applicable. Once you are moved to the new plan, a new insurance ID card and plan details will be sent to you. If you are unsure which insurance plan you are on, please contact InterExchange.
- If you arrived on or after January 1, 2024, log in to your Student Zone here.
- If you arrived before or on December 31, 2023, log in to your Student Zone here.
