- Meet new people and development lifelong friendship
- Challenges you to step outside of your comfort zone and try new things
- Networking opportunities
- Develop your conversation and socializing skills
- Helps you figure out what your passions and goals
- Connect with your school community and adapt easier to your new surroundings
- Build your leadership skills
With every new school year, you can guarantee that there will be days dedicated to showcasing on campus clubs and organizations. One of the main reasons for these events is to boost student involvement and encourage a sense of school spirit. As an international student, it is the best opportunity for you. Why? Let’s take a look!
At some point, we all become a little “under the weather” and it is time for us to visit the doctor. Once you have located your medical provider using our PPO networks and made your appointment, remember the following:
Prepare ahead of time: Be sure to have a good idea of what you would like to communicate to your doctor about your health. This will help the doctor to better treat you as quickly as possible.
Ask the right questions: Don’t be afraid to ask your doctor about issues that concern you. Be honest about how you are feeling and get as much guided medical advice as possible
Insurance card: This has the necessary information that your provider uses to verify your coverage or if they need to contact our benefits and claims department, HealthSmart
Co-pay: Be prepared for the likely chance that you will be asked to pay for your plan’s co-pay upfront. This is a small fee that you have to pay to your provider and you can review your plan policy brochure or contact us for more details.
Claims: When you provide your insurance details to your provider, it has all the essential details needed to submit a claim. Follow up with your doctor’s office about whether or not they have filed your claim to the correct department (HealthSmart) and if they have, don’t hesitate to contact HealthSmart for more information.
Culture shock can happen to the best of us regardless if you are an international student or not. Starting a new life in a new country takes time and a whole lot of patience before you can adapt to the changes. For many first year international students, culture shock can have an impact and knowing how to deal with it is very important. Here are some things you can do that can help you adjust.
Learn as much as you can, while you can. Reading about a country and its culture is good as well as interacting with those who lived or visited there. Absorb the good and the bad, learn from it and apply it each day as you go along.
This is our designated benefits and claims department, HealthSmart. They handle the processing of members' claims and can assist with questions related to plan benefits. For any questions about your coverage and/or your claims, they can be reached at (800) 203-4720 Monday -Friday 8:00 A.M. to 5:00 P.M. EST.
FirstHealth & Multiplan
These are our two PPO networks where members can locate in-network medical providers. By going to an in-network provider, provide health care at a discounted or negotiated rate. You can check out our guide and tutorial video on how to locate providers on our website.
On Call International
On Call International is an assistant services company that offers 24/7 aid for our members and their medical provider. This department can help with relaying information in emergency situations and arranging medical transportation while travelling abroad.
Labor Day is the unofficial “see you soon” to the summer vacation season and weather. This day was designed to recognize and honor the country’s labor movement and its achievements. While the focus of this holiday is more on relaxing and having fun, it always good to know the reason behind the season.
Regardless of how you spend the day, we hope that you have a fun and relaxing end of the summer holiday!
We offer health insurance for every stage of your international student life. From F1 student, to your Optional Practical Training, to even if you decide to be on H1B. We make these plans not only budget friendly but also comprehensive to provide the necessary coverage our members need.
Our company is with you every step of the way. However, our role as plan managers extends beyond just insurance.
At ISO, we make it our aim to offer support to the international student community as well. We are dedicated to supporting on campus events that are geared towards promoting culture, diversity and international student life.
Our company values the relationships that we build within the community. It is also important to us to have one with your school advisors to ensure that international students get the guidance and help that they need to navigate through their new culture.
Always remember that ISO is for international students by international students and it is the trusted experience that you can depend on.
Besides from text messages and emails, phone calls are one of the most popular ways to get in contact with people and businesses. When contacting any business for questions or inquires, it is best to remember the following:
Greetings: It always help to greet the other person on the line with a “Good Morning/Afternoon/Evening” before delving into a phone conversation. It helps set the tone for the talk.
Listening but not interrupting: Sometimes when we come into contact with a business representative, we are quick to want to say everything that is on our mind without allowing the other person to speak. A conversation is all about give and take. When you are given the chance to speak freely without interruption, it is good to return the favor when it’s the other person’s time to speak.
Graceful Complaints: Whenever we are displeased with a situation or service, it is human nature to want to vent that anger and frustration. Once you find yourself in this situation, it is never helpful to take it out on the other person. Before you contacting to complain, take a moment to let out the anger. Think about what you need answers for and then contact the business and properly explain the issue. It’s perfectly fine to be upset but less can be done when tempers fly and there is no resolution.
For some international students, the push to get health insurance comes from meeting your school requirements and not necessarily a personal need for coverage. However, more importance should be placed on needing insurance for protecting one’s health and pocket.
It cannot be said enough that having health insurance is important while you are in the U.S. While health insurance is not a constant thing that we use every day like our phones, it is our safety net for unexpected medical emergencies.
These medical expenses can be expensive and without the assistance of health insurance, you risk the chance of facing financial burden.
Remember that ISO has plans for you at every stage of your educational career. So let us be your safety net and rely on our trusted experience at all times.
Before you know it, August is here and the rush for back to school is upon us. Life of an international student in the US is expensive and ways to minimize expenses is always welcomed. Here are some budget friendly ways that you can prepare for back to school:
1. New 2018 -2019 Insurance Plans
Be sure to check out our new students plans available for enrollment. We have our ISO Secure, Essential and Compass PPO plans that offer comprehensive coverage that allows you to stay within budget. We also have plans specially designed for your school waiver requirements.
2. Getting ready for Fall
It's never too early to start considering your Fall semester insurance coverage. It gives you enough time to enroll and complete your waiver (if necessary) before the "back to school" rush begins. For many international students, one of the requirements for attending classes is that you have an active insurance plan. While the requirements may vary, there are three main approaches by schools when it comes to international student insurance coverage.
If you need any help with waiver concerns or questions, don't hesitate to reach out to our customer care team. We will be happy to assist!
3. We've got you covered for the next stage
We are here for you while you're a student and we're here for you afterwards. If you are planning to go on your OPT soon, don't forget to check out our designated OPTima plans.