International Programs

Health Insurance for international students

The cost of healthcare in the U.S. is paid by individuals. There is no government health system and costs are very high. For this reason, all LCSC college and IIE students are required to have LCSC-approved health insurance. The college also requires that students provide proof of insurance.

Recommended Student Health Insurance Plans

PGH Global Preferred Plan

IPO highly recommends that students who will be attending college or the Institute for Intensive English, (IIE) for three months or more, purchase the PGH Global Preferred Plan.  This plan meets all of the requirements of the Affordable Care Act. The terms of the plan are set for an academic year and prices and coverage may change from year to year.  The plan covers you in case of a serious medical emergency. It also provides coverage preventative care and for everyday health problems and medications. It does not include dental or vision. International students can use this coverage on campus at LCSC Student Health Services at no cost. To purchase this plan please click the icon below.BuynowDownload step-by-step instructions

Watch this instructional video

Athletes are not covered by this plan.

Cancellation Policy - All premiums are fully earned upon Application, and are Non-Refundable. Please apply only for the term of coverage you need, and re-apply as necessary as your plans may change.

E PLUS PLAN

Students who will study at the Institute for Intensive English, (IIE) for less than three months, must purchase the E Plus Plan. This plan does not meet the requirements of the Affordable Care Act. The plan has four levels of coverage with deductibles from $0 to $500. IPO recommends that you select the highest limit that you can afford and a zero deductible. Click the "Buy Now" icon to explore your options.

The terms of the plan are set for an academic year and prices and coverage may change from year to year.  The plan covers you in case of a serious medical emergency and for everyday health problems and medications. It does not cover preventative care, and  it does not include dental or vision. International students can use this coverage on campus at LCSC Student Health Services.  To purchase this plan please click the icon below.

Buy NOWDownload step-by-step instructions

Not ACA compliant. Certain services are excluded: Pre-existing, maternity and hazardous sport coverage.

Cancellation Policy - All premiums are fully earned upon Application, and are Non-Refundable. Please apply only for the term of coverage you need, and re-apply as necessary as your plans may change.

 What is an ACA Compliant Plan???

ACA-compliant policies must include coverage for the ten essential health benefits.

  1. Ambulatory patient services
  2. Emergency services
  3. Hospitalization
  4. Maternity and newborn care
  5. Mental health and substance use disorder services, including behavioral health treatment
  6. Prescription drugs
  7. Rehabilitative and habilitative services and devices
  8. Laboratory services
  9. Preventive and wellness services and chronic disease management
  10. Pediatric services, including oral and vision care

 There cannot be annual or lifetime coverage maximums.

 Pre-existing conditions are not a factor in eligibility.  Insurance cannot refuse to cover treatment for your pre-existing conditions but may have waiting periods before covering the condition.