Copayment: payment made by an insured person per medical treatment or per prescription as indicated in the policy schedule.
Deductible: the amount you pay out of your own pocket before your insurance begins picking up any of the costs of health care.
Coinsurance: the specified percentage amount of a claim that is shared by the Insured Person and the Insurance Company.
Pre-existing Condition: means any injury or illness which was contracted or which manifested itself, or for which treatment or medication was prescribed, prior to the effective date of this insurance as to the Insured.
Accident :means a sudden; unexpected; and unintended event.
Sickness: means sickness or disease of the Insured Person which causes loss, and originates while the Insured Person is covered under this policy. All related conditions and recurrent symptoms of the same or similar condition will be considered one sickness.
Usual and Customary: means charges for medical services or supplies essential to the care of the Insured if they are the amount normally charged by the provider for similar services and supplies and do not exceed the amount ordinarily charged by most providers of comparable services and supplies in the locality where the services or supplies are received.
Who is J. Deutsch Associates Inc?
J. Deutsch Associates Inc. is a privately owned and operated general insurance agency located in Manhattan’s Financial District that offers ISP Plans to eligible students, scholars and visitors.
Who is ACI (Administrative Concepts, Inc.)?
ACI is a third-party administrator for Student Medical and International Insurance programs.
What if I can’t find my school?
Click here to locate the name of your school. If your school is not listed there, please contact us at telephone 1-877-738-5787 or via email firstname.lastname@example.org. We are continually updating our site to list new schools that we are offering our ISP Insurance plans to.
Becoming a participating organization does not require a financial or contractual obligation from the school in any way. If you are a student advisor contact us at 1-877-738-5787 or email us at email@example.com to determine which plan is right for your college or university.
Which plan meets my university’s waiver requirements?
Our website is streamlined to allow you to enroll in the appropriate plan for your college or university. However, you should always verify that the plan meets your college or university’s current requirements prior to purchasing our plans. If you are unsure whether the plan meets the requirements, contact your advisor or an ISP representative.
What insurance is required for J1/J2 Visa Holders?
Effective May 15, 2015
Medical benefits of at least $100,000 per accident or illness;
Repatriation of remains in the amount of $25,000
Expenses associated with the medical evacuation of the exchange visitor to his or her home country in the amount of $50,000; and a deductible not to exceed $500 per accident or illness.
For more information look to the US Government’s Electronic Code of Regulations.
How can I enroll for coverage under one of the ISP Plans?
Enrollment requests can be submitted through our online enrollment portal by clicking “Enroll Now” located on each web site page.
How can I pay for my insurance?
Insurance payments can be made via credit card, (American Express, Visa, MasterCard or Discover) or debit card.
Is there a minimum number of months that I must purchase?
For International Students coming to the US and enrolling in the Tourer, Explorer, Trail Blazer, Pioneer, or Mountaineer plans, the minimum number of months that can be purchased is 3. The minimum duration for scholars attending a preapproved school is 1 month.
US Students studying abroad, enrolling in the Adventurer plan, can purchase a minimum of 1 month.
What is the maximum duration of coverage that I can buy?
Can I purchase coverage for my dependents?
Yes, if you are enrolled as a member under one our plans you can add coverage for your spouse and child(ren).
How do I extend my coverage?
If you have been enrolled in an ISP Plan for 12 consecutive months you must re-enroll via our easy to use enrollment portal. If you have not been enrolled for a full 12 months and wish to extend your coverage, you may contact ISP at 1-877-738-5787, or re-enroll through our enrollment portal by clicking “Enroll Now” on the homepage.
Can I renew my coverage?
Coverage can be extended up to the maximum number of months allowed if you still meet eligibility requirements. Each enrolled member will receive an email renewal reminder at least 30 days prior to current expiration date. However, it is the member’s responsibility to be aware of the date on which their coverage will end.
My contact information has changed. How do I notify ISP?
Please send written notification of phone, email or address change to ISP via email or via fax:
How do I get my school’s waiver form completed?
Upon completing your enrollment, Contact an ISP representative via email at firstname.lastname@example.org or by calling 1.877.738.5787. You will be asked to provide a copy of your electronic member ID card to verify your enrollment, and a copy of your school’s current waiver form. Please allow up to 24 business hours for your request to be processed and sent to your school.
Your electronic ID card can be printed from the enrollment confirmation page, or at any time via our website: Print Electronic ID Card.
How do I obtain a new identification card and certificate of insurance?
Your identification card and certificate of insurance can be downloaded on the website by entering the necessary information (first name, last name and date of birth) and choosing “Get Certificate” or “Get ID Card.” Click here to print a new ID Card or Certificate of Coverage.
How do I verify my coverage effective dates?
You can verify your coverage effective dates by calling an ISP representative at 877.738.5787 or ACI member services at 888.293.9229. If enrolled in an ACI administered plan you can view your coverage dates by logging into your online account.
Are any of the ISP Plans major medical policies?
They are not. All International Student Protection Plans are short-term accident and sickness insurance policies.
Do any ISP Plans provide coverage for intercollegiate sports?
Yes, the ISP Pioneer Plans (for international students in the US) cover intercollegiate sports-related injuries and illnesses. The ISP Pioneer Enriched Plan has a maximum benefit limit of $5,000 while the Pioneer Elite plan has benefit options of $10,000, $15,000 or $20,000 for sports-related injuries and illnesses.
What are the differences between the Tourer, Explorer, Pioneer, Trail Blazer and Mountaineer Plans?
While the Explorer, Tourer and Pioneer Plans have a scheduled list of limited benefits, the Mountaineer Plan and Trail Blazer Plans have a more comprehensive plan design. Although each of our plans will sometimes suffice to meet university requirements, the Trail Blazer and Mountaineer Plans are affordable, comprehensive plans specifically customized to meet most universities’ waiver requirements.
Which Network does my plan utilize?
Members enrolled under the Michigan State University or Lansing Community College plans should use the Cofinity Network.
All other members should use the PHCS or MultiPlan Network. Your Member ID Card indicates which network your plan uses.
Must I use an “In-Network” medical provider?
All ISP insurance programs offer the freedom to obtain treatment from medical providers that are within or out of our network of medical providers. It is recommended, however that an insured use an In-Network provider to maximize the amount of benefits paid by your insurance and to limit your out-of pocket expenses.
How do I find an In-Network provider?
Members can access our participating networks’ websites via the following links:
Do I need to receive treatment at my college or university’s Student Health Center?
It is always recommended that you first seek treatment at your college or university’s Health Service Center when practical. They have your medical records, provide many services free-of-charge, and have practical knowledge of the local medical community. Visiting the Student Health Center will also reduce your out of pocket expense.
ISP Plans do not require that you first be treated at the Student Health Center.
How do I pay for prescription drugs?
If your plan use the Express Scripts prescription card, you will need to simply pay your co-payment at the pharmacy.
For all other plans, you will need to pay for the prescription in full and submit a claim for reimbursement. A copy of the prescription, receipt from the pharmacy, and completed claim form for the correct plan should be sent to the claims administrator for processing. For covered expenses, you will be reimbursed less any applicable deductible or co-payment.
When an expense is incurred, do I pay the medical provider or does the insurance company?
It is common for a hospital to bill the Claims Administrator directly, but many private physicians require payment at the time of treatment. If you pay a medical bill, submit the paid receipt to the claims administrator with the itemized bill and any reimbursement due will be sent to you via check; otherwise, payment is made directly to the medical provider.
How do I file a claim?
If your medical provider has submitted your claim information directly to the Claims Administrator you will simply need to complete a claim form and return it to the Claims Administrator. A separate claim form is needed for each sickness or injury.
If the medical provider has not submitted the claim information to the Claims Administrator, and you have paid the medical provider for the services provided, you will need to submit the itemized bill from the medical provider and receipt showing the amount paid, along with a completed claim form, to the claims administrator.
Be sure to use the appropriate claim form for the insurance company for your plan (ACE, CV Starr, Fairmont Specialty or Catlin).
For Students enrolled in the ISP Tourer, Explorer, Mountaineer, Pioneer Enriched, Pioneer Elite, Trail Blazer Plan or
For Student enrolled in the Ranger, Crusader, Discovery and Magellan Plan prior to March 2015
You can fax, email, or mail your claims to ACI. ISP encourages that students email their claim forms in whenever possible so that there is a record of the date and time the claim form was submitted. If at any time you need assistance with filing a claim, please do not hesitate to contact the ISP team.
Email Recommended: email@example.com
Administrative Concepts, Inc.
994 Old Eagle School Rd
Wayne, PA 19087
Alternatively, members are encouraged to create an online account to easily manage their claims. After creating an account, students can file and check the status of a claim via our easy to use site! You can create an online account by clicking here: Create Account
Additional information is sometimes requested by the claims administrator after receiving your initial claims documentation, such as further details regarding the accident or sickness. Please be sure to reply promptly to any requests for information to ensure that your claims are processed in a timely manner.
If you have been treated by an out of network provider, or are enrolled in the Adventurer plan, please submit the claim form along with fully itemized bills showing Claimant’s Name, Nature of Illness/Injury, Description and Charge for each service.
How do I check the status of my claims?
Claim status can be obtained by calling Administrative Concepts, Inc. (ACI) at their toll-free number 1.888.293.9229 or via your online account.
ISP encourages students to also create an account which will allow them to submit and monitor claims, which can be done here: Create Account
You may also contact an ISP team member for issues with claims by emailing firstname.lastname@example.org or calling 1-877-738-5787.
For Students attending Syracuse University and enrolled in the Ranger or Crusader Plan on or after March 2015
You can fax, email, or mail your claims to Global Claims Administration. ISP encourages that students email their claim forms in whenever possible so that there is a record of the date and time the claim form was submitted. If at any time you need assistance with filing a claim, please do not hesitate to contact the ISP team.
If at any time you need assistance with filing a claim, please do not hesitate to contact the ISP team.
Global Claims Administration/Claim Processing
3195 Linwood Rd Suite 201 Cincinnati, OH 45208
Telephone # (800) 513-2981 or (513)533-1330
8:30 AM - 5:00 PM Eastern Time, Monday – Friday
Can I request a refund of premium?
A refund request must be requested in writing and your insurance identification cards must be returned with your request. Premium refunds will not be considered if a claim has been filed during the period of coverage.
All refunds are subject to the approval of the insurance company. If approved, the unearned premium less a $25 early termination charge will be refunded in the form of the original payment method.
If I cancel my coverage can I still keep insurance for my dependent(s)?
Dependent coverage is only available with a primary insured person. If the primary insured cancels their coverage, any dependent coverage will terminate as well.