Is ISO Student Health Insurance a Scam? A Complete Review

Are you an international student looking for health insurance in the United States? If so, you might have come across ISO Insurance. This article aims to help you decide if ISO Insurance is the right choice for you by examining the following aspects:

  • Overview of ISO Insurance
  • Pros and Cons of Choosing ISO Insurance
  • Reputation of ISO Insurance Company
  • Offerings Provided by ISO Insurance
  • Adherence to Regulatory Standards by ISO Insurance
  • Financial Ratings and Customer Feedback of ISO Insurance
  • Claims Process and Customer Support of ISO Insurance

By analyzing these factors, you can determine if ISO Insurance meets your requirements for international student health coverage.

Is ISO student health insurance legit
ISO Student Insurance has garnered positive reviews from students who have used their services: Photo source (Healthline)

ISO Insurance Overview

In 1958, a collective of international students came together with the aim of providing their fellow peers with affordable and comprehensive health coverage, thus marking the inception of insurance within their group.

Rather than operating as a direct insurer, ISO oversees and manages insurance plans.

Renowned companies such as Nationwide, UnitedHealthcare, and Sirius International underwrite the offerings provided by ISO.

ISO offers plans tailored for various visa categories, including F1, J1, OPT, and H1B, enabling policyholders to tap into a vast nationwide network of healthcare providers.

In addition to offering round-the-clock customer support, ISO ensures convenience through online services.

Through strategic partnerships, ISO endeavors to extend accessible, high-quality medical insurance to international students and scholars.

What are the pros and cons of ISO insurance?

Similar to other insurance plans, ISO Insurance comes with both advantages and disadvantages.

Take note of the following pros and cons before deciding to enroll:


  • Affordable premiums, like $31 per month for those under 25 years old,
  • Covers essentials: hospitalization, surgery, emergency care, drugs, mental health, and preventive services
  • Flexible plans: pick coverage duration, deductibles, and coinsurance
  • School waiver guaranteed or money back


  • No coverage for pre-existing conditions, immunizations, sports injuries, cosmetic procedures
  • High deductibles ($100 to $5,000) and coinsurance (20% to 50%)
  • Out-of-network care costs more and may require filing claims

Is ISO Insurance a good company?

With six decades of dedicated service to international students, ISO Insurance has earned a stellar reputation, boasting an A+ rating from BBB and an exceptional Trustpilot rating ranging from 4.9 to 5, based on over 760 reviews.

ISO Insurance, renowned for its commitment to providing high-quality and affordable health insurance, places a strong emphasis on ensuring the satisfaction of international students.

It achieves this through offering multilingual customer support accessible via phone, email, chat, or WhatsApp.

ISO Insurance Products and Services

The Insurance offers various plans for:

  • ISO Student Health Insurance: Covering enrolled international students. Includes options like ISO Basic, ISO Care, ISO Secure, ISO Med, ISO Compass, and ISO Share with differing coverage, deductibles, and coinsurance.
  • ISO OPT Health Insurance: For students on Optional Practical Training (OPT) or STEM OPT. Choices include ISO Optima, ISO OPT Basic, and ISO OPT Plus. Similar to student plans with some specialized eligibility and benefits.
  • ISO J1 Exchange Visitor Health Insurance: Designed for J1 scholars, students, and trainees per Dept. of State rules on minimum coverage, deductibles, etc. Plans include ISO Explorer, ISO Explorer Plus, Basic, and Essential.
  • ISO High School Student Health Insurance: Tailored coverage for international middle school and high school students under 19 years old, with low deductibles and coinsurance. Contains ISO High School Basic Plus.

ISO Insurance Regulatory Compliance

The ISO plan ensures compliance with state-specific regulations governing operations, such as licensing protocols, filing obligations, reporting criteria, and laws safeguarding consumers.

At the national level, student health insurance aligns with pertinent health insurance legislation, such as the Affordable Care Act, HIPAA, and COBRA.

Their objective is to uphold rigorous ethical principles and collaborate extensively with regulatory bodies concerning any grievances or inquiries.

Therefore, ISO adheres to both state Department of Plan regulations and federal health plan statutes and directives, ensuring the lawful and ethical provision of plans.

ISO Insurance AM Best and Customers Review

Although the ISO plan itself lacks an A.M. Best financial strength rating due to its role as a plan manager rather than a direct insurer, the insurance carriers underwriting ISO offerings boast robust A.M. Best ratings, reflecting their financial stability. Notable among these are:

  • Nationwide (A+ rating)
  • UnitedHealthcare (A rating)
  • Sirius International (A rating)

ISO plans receive commendable feedback from customers across various online rating platforms. Notably, they hold an impressive A+ rating from the Better Business Bureau and score 4.9 out of 5 stars on Trustpilot. Furthermore, with over 1,000 Google reviews, ISO garners a 4.8 out of 5 rating.

These reviews consistently highlight the affordability of premiums, straightforward enrollment process, prompt claims processing, and exceptional customer service.

Thus, while not directly rated itself, ISO collaborates with financially robust insurers and earns exceptional reviews for its delivery of health plan services.

Read more: Is AARP Life Insurance Legit?

ISO Plan Claim Process and Customer Service

If needing medical care, use ISO’s provider search tool online to locate in-network providers, which cost less than out-of-network care.

When getting treatment, show your Student Health Insurance ID card (accessible online or through the app), which has your policy details.

Alternatively, request a physical ID card.

  • If the provider files the claim directly, you are all set. Otherwise, collect documents like bills, diagnosis codes, procedure codes, and payment proof. Fill out a claim form from the ISO website or customer service.
  • Submit the claim form and documents within 90 days of the date of service online, by email, fax, or mail. ISO emails confirmation upon receiving claims.
  • Check claim status through the portal or mobile app anytime. Call or email ISO claims staff with questions or issues.

An Explanation of Benefits (EOB) letter with the amount paid by insurance and your owed balance arrives once the claim is processed.

Disputes are handled by ISO or carrier claims staff.

Unresolved complaints can go to your state Department of Insurance.

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