Health Insurance

All international students are required to have insurance coverage while attending classes at Bradley University. We highly recommended that F-1 visa holders have insurance coverage for their entire duration of stay in the United States. J-1 visa holders are required to have insurance coverage for their entire duration of stay in the United States.

Things to Consider

  • One of the most important things to know about your insurance coverage is which in-network provider your insurance company works with.
    • When you purchase or renew your coverage, find out which major Peoria hospital system (OSF Saint Francis Medical or UnityPoint Health – Methodist) your insurance provider covers.
    • Different insurance companies work with different hospital and medical networks. If you go outside the medical network your insurance uses, you can accrue major medical expenses even if you have insurance.
  • While at Bradley University, make sure that you give Student Health Services a copy of your insurance card to have on file. If you change insurance providers, update Health Services with the new card.
  • While a student at Bradley, list Bradley University as your Primary Care Physician if you are seen by a medical professional outside of campus and within the United States.
  • In general, the higher monthly amount you pay (premium) for medical insurance, the more coverage and the less you would pay if you have major medical work done.
    • While many plans offer “cheaper” premiums, those plans may have more expensive deductibles, copays, and coinsurance or daily maximums, as lower premiums frequently result in higher out-of-pocket costs and limited networks.
  • In general, even if you have insurance, you will still be expected to pay a “coinsurance” for any medical expenses. So if your plan has 75% coinsurance, you would be responsible for paying the remaining 25% of a medical expense.
  • Some health insurance plans do not cover prescriptions, so if you have medicine that you need to take regularly, make sure you have a provider that covers it.
    • Pharmacies within walking distance of campus are: CVS in Campustown and Walgreens or Alwan Pharmacy on Western Ave.
    • Pharmacies within driving distance or the CityLink line are: Target, Walmart, or Kroger in East Peoria and Walgreens or Walmart on University.
  • Most health insurance plan will not include dental or vision coverage.
    • If you wear glasses, you will want to make sure you pack an extra pair with you. If you need a new prescription, you should have this done at home.
    • If you wear contacts, you will want to make sure you have a supply of contacts for the time you are in the U.S. If you need more, you should purchase them at home.
    • If you need a routine dental exam or a dental procedure, you should have this done at home.
  • Some health insurance plans will not cover sports-related injuries, so if you wish to play intramural or intercollegiate sports, make sure you have insurance that covers it.
  • Some health insurance plans do not cover preventative medical care such as a yearly routine doctor’s visit or vaccines/immunizations or a woman’s wellness check-up.
  • Some health insurance plans do not cover maternity benefits. Others only cover pregnancy if the conception is during the period of insurance coverage. Others will cover the delivery but not the routine pre- or post-natal care.

Healthcare in the United States

This video teaches international students how to prepare for their arrival in the U.S., how the U.S. healthcare system works and how students should seek medical care appropriately if they become sick or injured.

Please visit International Student Insurance for more information.

More detailed information includes: tips on buying insurance, how to care for your mental health, understanding sexual assault and consent in the U.S., and understanding key insurance terms.

Acceptable Insurance Plans

Each semester, a hold will be placed on your registration until you provide proof of coverage for at least the following semester. We do not endorse any single insurance company but the following options with their listed plan will provide you enough insurance coverage to have your registration hold removed. The minimum time frame you must be insured is the start of the semester to the end of the semester.

  • Compass Student Insurance:
    • Acceptable Plans for F-1 students – Care Plus, Benchmark
    • Acceptable Plans for J-1 students – J-Care, J-Benchmark
  • Gallagher Student:
    • Acceptable Plans for F-1 students – Essential, Bronze, Silver, Elite
    • Acceptable Plans for J-1 students – Essential, Bronze, Silver, Elite
  • iNext International Insurance:
    • Acceptable Plans for F-1 students – Scholar, Scholar Plus
    • Acceptable Plans for J-1 students – Global Adventure Plus
  • Insurance for Students:
    • Acceptable Plans for F-1 students – Essential, Secure, Secure Plus, Prime, Prime Plus
    • Acceptable Plans for J-1 students – Rose, Sunflower, Essential, Prime, Prime Plus
  • International Student Insurance:
    • Acceptable Plans for F-1 students – Budget, Select, Elite
    • Acceptable Plans for J-1 students – Budget, Select, Elite
  • International Student Protection:
    • Acceptable Plans for F-1 students – Trail Blazer Basic, Trail Blazer Elite
    • Acceptable Plans for J-1 students – Trail Blazer Basic, Trail Blazer Elite
  • ISO Insurance:
    • Acceptable Plans for F-1 students – Compass PPO, ISO Secure
    • Acceptable Plans for J-1 students – J-1 Exchange, J-1 Exchange Superior
  • LewerMark Student Insurance:
    • Acceptable Plans for F-1 students – Global Student Access, Global Student Advantage, Global Student Advantage Plus
    • Acceptable Plans for J-1 students – Global Adventure
  • PGH Global Insurance:
    • Acceptable Plans for F-1 students – Global Care Essential, Global Student Basic, Global Care Plus, Global Care Elite
    • Acceptable Plans for J-1 students – Global Care Essential, Global Student Basic, Global Care Plus, Global Care Elite
  • PSI International Student Health Insurance:
    • Acceptable Plans for F-1 students – PSI Gold Plan, PSI Platinum
    • Acceptable Plans for J-1 students – PSI Gold Plan with $0 or $500 deductible, PSI Platinum Plan with $100 or $500 deductible