ISO is proud to serve the international students of Youngen Inc.

Youngen Inc. students may choose one of the ISO plans below:

Compass Gold – Summary schedule of benefits

Select your age:

	BuyCOMPASS Gold
Monthly rate	$39
Lifetime medical maximum	$600,000
Medical Evacuation	$120,000
Repatriation of Remains	$60,000
Maximum per injury or sickness	$250,000
Deductible per event - reduced at Student Health Center (if available) to:	$40
Deductible per event elsewhere	$90
Co-insurance (up to benefit limits)	100%
Pre-existing conditions (up to benefit limits)	Covered after 6 months
Home country coverage	$500
AD&D - Accidental Death & Dismemberment	$20,000
View policy brochure

You are eligible if you are a member of ISO, have a current passport or visa and are temporarily residing outside your home country/country of permanent residence, while actively engaged in education or research activities. You are "actively engaged" in educational activity if you are one of the following:

F1/J1 valid visa holder.
Undergraduate - registered for and attending classes for twelve (12) or more credit hours.
Graduate student.
Scholar or researcher who is invited by an educational organization.
Student involved in education, educational activities, or research- related activities.

Your spouse and dependent children are also eligible for coverage if accompanying you. Permanent residents are not eligible for coverage under this Policy.

Buy

Compass Platinum - Summary schedule of benefits

Benefits	In Network (PPO)	Out of Network
Medical expense per injury/sickness	$250,000	$250,000
Lifetime medical maximum	No Maximum	$1,000,000
Deductible	$150 annually	$150 annually
Maximum out-of-pocket expenses1	$2,000 annually	No Maximum
Co-insurance	80% of first $4,000; 100% up to $250,000 of PPO Allowance	70% of Reasonable and Customary charges up to $250,000
Co-payment2
. At student health center	$0	$0
. Elsewhere	$40	$60
. ER visit (waived if admitted)	$250	$300
. Hospitalization	$250	$500
Pre-existing condition	Covered after 6 months	Covered after 6 months
Maternity	Covered as any other injury	Covered as any other injury
Prescription	$1,000 annually	$1,000 annually
Prescription desuctible per fill	$30	$30
X-ray and labs tests	$2,000 annually	$2,000 annally
Medical evacuation	$100,000	$100,000
Repatriation of remains	$50,000	$50,000
Accidental death & dismemberment	$15,000	$15,000
View policy brochure

1Not including co-payment
2Co-payments are waived if student is treated on site at student health center and is not referred off campus.

In case of a student not being able to be treated at health center, and subsequently referred to off campus private doctor, co-payment will be half of scheduled amount.
In case of treatment not being possible at student health center and student is referred to the ER, co-payment will be half of scheduled amount.
In case of treatment not being available at student health center and student is referred to the ER and then subsequently hospitalized; ER, doctor's visit and hospitalization co-payments will be integrated to a maximum of $250 in PPO or $500 elsewhere.

Eligibility: You are eligible if you are a member of ISO have a current passport or visa and are temporarily residing outside your home country/country of permanent residence, while actively engaged in education or research activities. You are "actively engaged" in educational activity if you are one of the following:

F1/J1 valid visa holder

Undergraduate - registered for and attending classes on full-time basis
Graduate student
Scholar or researcher who is invited by an educational organization
Student involved in education, educational activities, or research- related activities
Students on OPT are not eligible for this plan

Your spouse and dependent children are also eligible for coverage if accompanying you. Permanent residents are not eligible for coverage under this Policy.

COMPASS Platinum monthly rates

Age group	COMPASS Platinum
Under 25	$89
25-29	$125
30-65	$195
Spouse	$349
Each Child	$199

* Minimum enrollment - 3 months.