What To Do If You Need Healthcare

We hope that you remain safe and healthy while pursuing your educational goals in the U.S, but if you should need medical attention there are resources available to you to get the care that you need. In most cases, the student health center on your campus should be your first source of medical care.


Below, we’ve outlined some suggestions of what type of medical care may be most appropriate for different situations…


Where to obtain medical care: 


Campus Health Center, for minor illness or injuries.

Many colleges and universities offer health services right on campus that is often convenient and low cost. Many of our plans provide benefits for utilizing your campus health center, such as waived doctor visit copays. If your campus has a student health center on campus and you are eligible to use it, this should be your first choice for medical care for minor, non-emergency medical conditions.


Physician’s Office, for medical concerns and sick visits.

If you need additional care that cannot be provided by the campus health center, such as a specialist visit, schedule an appointment with a physician. Use an in-network physician whenever possible.


Urgent Care Center, for illness or injuries when the campus health center or the doctor’s office is closed.

Do not go to the hospital emergency room for minor illnesses or injuries! If you need to see a physician immediately and cannot wait for a scheduled appointment, please go to an urgent care center. Hospital emergency rooms typically charge 2-3 times more than a physician’s office or urgent care center. Use an urgent care center instead of an emergency room to save time and money. Use an in-network urgent care center whenever possible. 


Hospital, for scheduled surgery or a medical emergency.

In the case of a life-threatening emergency, call 9-1-1 for an ambulance or go to the nearest hospital emergency room (ER)*. Use an in-network hospital whenever possible.

Examples of life-threatening emergencies:

  • - Car accident
  • - Severe pain or excessive bleeding
  • - Heart attack
  • - Higher fever or rash after surgery
  • - Broken bones
  • - Coughing up blood

*These are only a few examples of emergency medical conditions. These examples do not constitute medical advice. Please contact a medical professional if you have questions about any medical condition.


What does “in-network” mean and why does it matter?


The term "in-network" refers to a grouping of medical providers such as physicians, specialists, urgent care centers, hospitals and more who have a contract with the insurance plan. Sometimes it is also called a “PPO” or “Preferred Provider” network. When you use an in-network provider, covered medical services are generally paid by the insurance company at a higher rate. If you use an out-of-network provider, covered medical expenses are generally paid at lower rate which means potentially higher out-of-pocket costs for you. PPO networks are designed to provide members with savings and convenience.

ISP offers a variety of plan options for international students, scholars, and others. Most of our plans provide access to a PPO network, but these can vary from plan to plan. To determine which PPO network your plan uses, refer to your confirmation documents including your confirmation email and/or insurance ID card which will indicate the network your plan uses and applicable contact information.

We've provided additional resources below to help you find which network applies to you based on your plan...  


To find an in-network medical provider in your area:


For members covered under the Trail Blazer & Pioneer Elite* Plans:

Refer to your insurance ID card which indicates which PPO network your plan uses and includes a link and contact information to find providers. Many of our plans use the First Health network, with MultiPlan as a secondary network, which you can search below. But remember... always check your ID card to confirm which network your plan uses.

Primary Network: First Health 
Secondary Network: MultiPlan

*For Pioneer Elite members covered under a GeoBlue plan, you may access the PPO network via the Member Hub.


For members covered through IMG:

IMG Patriot Travel Medical, Patriot Exchange, Student Health Advantage and more…

Refer to your confirmation email which includes many helpful resources and a link to the Online Provider Network used by your plan. Additional resources can be found here.


For members covered through GBG:

Global Explorer (OPT), Global Student Navy, and more…

Member Login: Access your ID card & policy, manage claims, and more.

  • For optimal viewing, please use Google Chrome.


Need assistance? 


Our team is standing by to help with any questions you may have. Give us a call at 1-877-738-5787 or email us at info@intlstudentprotection.com and we'll respond to your inquiry shortly.