-->
中文

You’ve got questions.

We’ve got answers.

  • F1
  • OPT
  • H1B
  • Other
  • Insurance 101
Eligibility
  • Who is eligible for OPT health insurance?

    -Individuals under the of age of 65

    -Individuals who hold both a valid F1 visa, a current passport, and with valid OPT status

  • Can I buy insurance if I haven't received my EAD card yet?

    You can still begin the purchasing process, but your plan will be based on the start and end dates of your OPT status. Starting the process early can help move the process along.

  • Can I purchase OPT health insurance if I have not received the EAD card yet? What if I am in my 60-day Grace Period?

    YES. You can purchase our OPT insurance as long as you have submitted your OPT application. It is okay if you are in your 60-day Grace Period.

Choosing a Plan
  • Can I purchase health insurance for my spouse and/or children (F2 visa)?

    No. However, as an alternative, we have plans specifically for F-2 visa holders, which are more low-cost.

  • Can I purchase Tigerless OPT insurance if I have a pre-existing condition?

    Yes. However, there will be a waiting period for your pre-existing condition.

  • Can I get a plan that also covers dental and vision insurance?

    Unfortunately, the United States sells dental and vision insurance separately from healthcare packages.

  • Are Tigerless Insurance packages upgradable after purchase?

    We do not allow upgrades to be purchased after the initial package purchase. The only exception to this rule is that, if your plan does not meet your school waiver requirements, we can assist you in finding a new one. Written proof from school officials is required for all upgrades.

Enrollment
  • When can I enroll in a Tigerless Insurance plan?

    You can enroll in an insurance plan any time after you apply for OPT.

  • How long should I be enrolled?

    You are recommended to start your new coverage period on the expiration date of your last insurance plan. You may purchase a minimum of 3 months and a maximum of one full policy year of coverage at a time.

  • Can I buy a plan on a monthly basis?

    No. You can purchase our plans for at least 90 days and only accept one-time payment.

  • When is my insurance plan activated?

    Our health insurance can be effective as early as the second day after your purchase.

  • How do I purchase a plan? Do I need to provide my Visa and/or other documents?

    Please select and purchase an insurance plan based on your immigration/visa status. You don’t have to provide your visa documents when purchasing a plan.

  • Will I receive a paper copy of my insurance card?

    NO. You will get your ID card by email once you enroll in our plan. Your digital ID card will include all the information you need (e.g. ID#, policy#, and etc.) to see a doctor and to file a claim.

  • Do Tigerless OPT plans provide a 1095 tax form?

    Tigerless OPT plans will not provide a 1095 tax form.

Cancelling Your Plan
  • Can I cancel or get a refund after my purchase?

    NO. You are NOT allowed to withdraw or get a refund for any reason.

Filing a Claim
  • Under what situation do I need to file a claim by myself?

    If you visit an out-of-network provider, or your medical provider doesn’t file a claim, you have to pay the full amount at the time of service. Collect all the claim documents and file your claim within 90 days after the date of medical service.

  • How can I file a claim?

    In general, if you choose an in-network provider, you won’t pay up front for your medical expenses and will, therefore, avoid the reimbursements. If you have to pay the full amount at the time of service, please check out our website for filing claims. If you need any additional assistance, you can always contact our Support Center.

  • What information do I need to offer when I file a claim?

    Please submit your claim application within 90 days after the date of medical service.  We recommend you to submit Itemized Bill, Proof of Payment, Student Status Document, and claim form to the claim department. Please check out our website for filing claims.

  • How can I check the status of my claim?

    To check the status of your claim, you can contact the claim office directly with info on your insurance ID card. If you need any additional assistance, you can always contact our Support Center.

  • How long does it usually take for a reimbursement to be processed?

    In general, claims are processed within 15-20 business days. It may take longer for some complex claims, so please allow 3-4 weeks for the claim department to process. Once the claim is processed, reimbursement will be mailed in the form of a check to the address designated. Make sure the address in your Tigerless account is your current valid address.

  • Where can I find the claim form?

    Please go to our Resource Center. You can download the corresponding blank claim forms for your health insurance. If you need any additional assistance, you can always contact our Support Center.