DIANins Blue 100

$161.8 per month

Co-insurance in network:

100%

90%

80%

Age:

17-24

25-29

30-45

Highlights

Deductible and copay is waived in Student Health Center
Preventive care 100% cover like HPV, Flu and other vaccines
In network Pharmacy/SHC expense is directly billed(except appliable copay)
Medical bill is charged to company directly in Network except your costs
GlobalReach Rx network available in Pharmacy
Expenses in excess of $5,000, fully paid by company
No waiting period on pre-existing condition
Use the Aetna PPO network covering the entire United States
In network Coinsurance 100% (Surgery90%)

Eligibility Guidelines 1. Who is Eligible: Class 1 (Primary Insured Student): International students aged 17–45 holding F1, J1, or M1 visas. Officially registered at an accredited higher education institution and enrolled in a full-time* associate's, bachelor's, master's, or doctoral degree program (Approaching graduation and in their final semester on a part-time program also qualify for Class 1 status*). Class 2 (Spouse): The legal spouse of a Class 1 primary insured student. Class 3 (Children): Eligible dependent children of a Class 1 primary insured student. 2. Who is Not Eligible: Students enrolled in distance learning or home study, graduates in OPT (Optional Practical Training) programs, or U.S. citizens or permanent residents (green card holders). 3. Essential Conditions for Maintaining Insurance Validity (Attendance & Withdrawal) * Attendance Requirements: Insured students must attend at least the first 90 days of classes during the coverage period and/or strictly meet their visa attendance requirements. * Withdrawal within the First 31 Days: If a student withdraws from school within the first 31 days of registration (except in cases of policy replacement waiver refusal or withdrawal due to illness/injury), the insurance will lapse and coverage will be terminated; the insurance company will fully refund the premium, but any claims already paid will be deducted. * Withdrawal/Graduation after 31 Days: If a student graduates or withdraws normally after 31 days of registration, the insurance remains valid for the purchased period, and the premium will not be refunded. For the complete eligibility information, please refer to the original Policy terms and conditions or contact customer service for confirmation.

Lifetime maximum	Unlimited
Annual maximum	Unlimited
Co-insurance in network	100%
Co-insurance out-of-network	80%
Deductible in student health center	$0
Deductible in network	$0
Deductible in non-network	$200
Out of pocket in network	$5,000
Co-pay in ER (waived if admitted)	$150
Co-pay in SHC	$0
Co-pay specialist visit	$25
Co-pay hospitalization	$0
Pre-existing condition waiting period	No Waiting
Preventative care	100%
Medical evacuation	100%
Repatriation	100%

DIANins · International Student Health Plans

Compare with Blue 90 & 100

The Blue plan comes in three tiers by coinsurance level — Blue 80 (80%), Blue 90 (90%), Blue 100 (100%). All three share identical covered benefits, caps, and exclusions; only the coinsurance rate, deductible, and out-of-pocket maximum (OOPM) differ. U.S. network is Aetna throughout.

Blue 80: The lowest-premium tier. The insurer pays 80% of claims (you pay 20%), with the highest deductible and OOPM. Best for students prioritizing a lower premium.

Blue 90: The middle tier. The insurer pays 90% (you pay 10%), with a mid-level deductible and OOPM. A balance of premium and coverage.

Blue 100: The top tier. After the deductible, the insurer pays 100% of In-Network claims, so your out-of-pocket cost is lowest. With the lowest deductible ($0) and OOPM, it suits students wanting predictable costs.

✓ Covered ✗ Not covered orange text = has a cap ◆ best in this row

	Blue 8080% Coinsurance	Blue 9090% Coinsurance	Blue 100100% Coinsurance
Core Benefits
DeductibleIn-Network	$500	$100	$0 ◆
DeductibleOut-of-Network	$750	$500	$200 ◆
Maximum per policy year	UnlimitedUnlimited	UnlimitedUnlimited	UnlimitedUnlimited
Out-of-pocket maximumIn-Network	$7,000OON $14,000	$6,000OON $12,000	$5,000 ◆OON $10,000
CoinsuranceIn-Network	80%OON 70%	90%OON 70%	100% ◆OON 70%
Pre-existing condition	No waitStudent / Dependents 24mo	No waitStudent / Dependents 24mo	No waitStudent / Dependents 24mo
Vaccine & Physical Exam	✓In-Net 100%	✓In-Net 100%	✓In-Net 100%
Copay — Office visitPhysician / Specialist	$25	$25	$25
Copay — ERwaived if admitted	$150	$150	$150
Copay — SHC / Urgent CareSHC / Urgent Care	$0 / $50	$0 / $50	$0 / $50
Prescription Drugs	$10 / $30 / $50Tier 1 / 2 / 3	$10 / $30 / $50Tier 1 / 2 / 3	$10 / $30 / $50Tier 1 / 2 / 3
Other Key Benefits
Hospitalization	✓80%	✓90%	✓100%
ICU / Cardiac	✓	✓	✓
Surgical Benefits	✓80%	✓90%	✓90%
Reconstructive Surgery	✓	✓	✓
Inpatient Rehabilitation	✓45 days	✓45 days	✓45 days
Maternity	✓80%	✓90%	✓100%
Elective Abortion	✓$1,500	✓$1,500	✓$1,500
Mental Health	✓80%	✓90%	✓100%
Physical / Therapeutic	✓12 visits	✓12 visits	✓12 visits
Cancer & Oncology	✓80%	✓90%	✓100%
AIDS · HIV · STD	✓80%	✓90%	✓100%
Alcohol / Substance	✓80% UCR	✓90% UCR	✓100% UCR
Chiro / Acupuncture	✓$500	✓$500	✓$500
Home Health / Hospice	✓Hospice 45 days / $5,000	✓Hospice 45 days / $5,000	✓Hospice 45 days / $5,000
Organ / Transplant	✗	✗	✗
Congenital / Habilitative	✗	✗	✗
Allergy / HIV Screening	✗	✗	✗
Pediatric Dental / Vision	✗	✗	✗
Emergency Dental	✓$250/tooth · $1,000	✓$250/tooth · $1,000	✓$250/tooth · $1,000
Palliative Dental	✓$600	✓$600	✓$600
Recreational Sports	✓80%	✓90%	✓100%
Evacuation / Repatriation	✓100%	✓100%	✓100%
Excluded in all three tiers
Gender identity/dysphoria · cosmetic/elective surgery · infertility (IVF)/sterilization · vision correction·glasses·LASIK (except pediatric vision) · dental (except accidental/pediatric) · hearing aids · obesity/weight-loss treatment · smoking cessation · sleep studies (sleep apnea) · sexual dysfunction · genetic screening · breast reduction · travel immunizations · competitive/hazardous sports (varsity·club competition, skydiving, scuba beyond 30m, etc.)·motorcycles · war·terrorism · home-country care (beyond schedule) · care by a family member · costs reimbursable by other insurance/government

How to choose a tier — important: All three tiers share identical covered benefits, caps, and exclusions; only the coinsurance rate, deductible, and OOPM differ. A higher payout (80→100) means a higher premium but lower out-of-pocket cost per claim. Out-of-network is 70% for all three tiers.

Out-of-network OOPM is 2× the In-Network figure ($14,000 / $12,000 / $10,000).

Common: all four plans use the U.S. Aetna network, are issued by Spectrum Life, and use Global Reach Rx network pharmacies for prescriptions.

This table summarizes the Schedule of Benefits; final contract terms follow the official policy document.

DIANins

Int'l Student Insurance Guide

WHAT MAKES INSURANCE REASONABLE?

Best price &
coverage match

Hi! I'm DIANai 🙌

Good insurance isn’t the priciest —
it’s the one where
price and benefits stay balanced.

⚖️ Blue 80 hits the "efficient zone"

You take on a little of the small risk, and in return you save for sure on premium.

🤝

Shared cost (Coinsurance)Split care costs 80 / 20 with the insurer

20%

🛡️

You hold the first layer (Deductible)You cover the first slice; insurance takes the rest

$500

💰

In return, a lower premiumStay healthy and the saved premium is yours

−$300

The plan in the "best cost-efficiency zone" — the lightest load for both you and the insurer.

🧮 What if you claim $200?

Follow a small-bill case and you'll see why it's win-win.

🧾

A $200 bill comes up → it's within the deductible ($500), so you just pay $200 and you're done.

🏢

The insurer never has to process a small claim, so there's no claims-handling cost.

😊

You spend $200 of your $300 saved premium and still keep $100.

🤝 Insurer 👍 + You 👍 = win-win

💉

Preventive benefits — vaccines, immunizations, check-ups — are covered right away with no deductible. They’re separate from your first $500, so no worries!

🔍 How to compare look-alike plans

Go in order and the truly reasonable plan shows up.

Group by the same price

First pick a few plans with similar premiums and compare them on the same line.

Whose deductible is lower

At the same premium, the one with the lower upfront deductible wins.

Is the copay fair?

School group plans usually run $20–30 for an office visit. Use that as your benchmark — and check the Urgent care copay too.

Benchmark: office visit $20–30

Prescriptions — copay or coinsurance?

School group plans typically charge Tier 1/2/3/4 = $10/$40/$60/$100 copay, and ~30% coinsurance out-of-network. Tier 1 is ~90% of claims by count, but Tier 2/3/4 make up 90% of drug cost — so check the Tier 2·3 share.

Key: Tier 2·3 cost

Check the exclusions

Finally, make sure a very common benefit isn't quietly listed as an exclusion.

⚠️ A "partner plan" that costs more?

Be careful with plans charging $200 more for similar benefits.

If a premium is higher, your out-of-pocket should be lower to be comparable. If the benefits match Blue 80 but the premium is hundreds more, it isn’t the same comparison.

Drop that plan’s premium by $200 and its deductible likely climbs to about $900 — so it’s hard to call it an equal plan.

A smart choice — Blue 80

Compare price and coverage for yourself.
Ask DIANai anything!

DIANins

DIANins · International Student Health Plans

Compare with Blue 80 & 100

✓ Covered ✗ Not covered orange text = has a cap ◆ best in this row

	Blue 8080% Coinsurance	Blue 9090% Coinsurance	Blue 100100% Coinsurance
Core Benefits
DeductibleIn-Network	$500	$100	$0 ◆
DeductibleOut-of-Network	$750	$500	$200 ◆
Maximum per policy year	UnlimitedUnlimited	UnlimitedUnlimited	UnlimitedUnlimited
Out-of-pocket maximumIn-Network	$7,000OON $14,000	$6,000OON $12,000	$5,000 ◆OON $10,000
CoinsuranceIn-Network	80%OON 70%	90%OON 70%	100% ◆OON 70%
Pre-existing condition	No waitStudent / Dependents 24mo	No waitStudent / Dependents 24mo	No waitStudent / Dependents 24mo
Vaccine & Physical Exam	✓In-Net 100%	✓In-Net 100%	✓In-Net 100%
Copay — Office visitPhysician / Specialist	$25	$25	$25
Copay — ERwaived if admitted	$150	$150	$150
Copay — SHC / Urgent CareSHC / Urgent Care	$0 / $50	$0 / $50	$0 / $50
Prescription Drugs	$10 / $30 / $50Tier 1 / 2 / 3	$10 / $30 / $50Tier 1 / 2 / 3	$10 / $30 / $50Tier 1 / 2 / 3
Other Key Benefits
Hospitalization	✓80%	✓90%	✓100%
ICU / Cardiac	✓	✓	✓
Surgical Benefits	✓80%	✓90%	✓90%
Reconstructive Surgery	✓	✓	✓
Inpatient Rehabilitation	✓45 days	✓45 days	✓45 days
Maternity	✓80%	✓90%	✓100%
Elective Abortion	✓$1,500	✓$1,500	✓$1,500
Mental Health	✓80%	✓90%	✓100%
Physical / Therapeutic	✓12 visits	✓12 visits	✓12 visits
Cancer & Oncology	✓80%	✓90%	✓100%
AIDS · HIV · STD	✓80%	✓90%	✓100%
Alcohol / Substance	✓80% UCR	✓90% UCR	✓100% UCR
Chiro / Acupuncture	✓$500	✓$500	✓$500
Home Health / Hospice	✓Hospice 45 days / $5,000	✓Hospice 45 days / $5,000	✓Hospice 45 days / $5,000
Organ / Transplant	✗	✗	✗
Congenital / Habilitative	✗	✗	✗
Allergy / HIV Screening	✗	✗	✗
Pediatric Dental / Vision	✗	✗	✗
Emergency Dental	✓$250/tooth · $1,000	✓$250/tooth · $1,000	✓$250/tooth · $1,000
Palliative Dental	✓$600	✓$600	✓$600
Recreational Sports	✓80%	✓90%	✓100%
Evacuation / Repatriation	✓100%	✓100%	✓100%
Excluded in all three tiers
Gender identity/dysphoria · cosmetic/elective surgery · infertility (IVF)/sterilization · vision correction·glasses·LASIK (except pediatric vision) · dental (except accidental/pediatric) · hearing aids · obesity/weight-loss treatment · smoking cessation · sleep studies (sleep apnea) · sexual dysfunction · genetic screening · breast reduction · travel immunizations · competitive/hazardous sports (varsity·club competition, skydiving, scuba beyond 30m, etc.)·motorcycles · war·terrorism · home-country care (beyond schedule) · care by a family member · costs reimbursable by other insurance/government

Out-of-network OOPM is 2× the In-Network figure ($14,000 / $12,000 / $10,000).

Common: all four plans use the U.S. Aetna network, are issued by Spectrum Life, and use Global Reach Rx network pharmacies for prescriptions.

This table summarizes the Schedule of Benefits; final contract terms follow the official policy document.

DIANins

Int'l Student Insurance Guide

WHAT MAKES INSURANCE REASONABLE?

Best price &
coverage match

Hi! I'm DIANai 🙌

Good insurance isn’t the priciest —
it’s the one where
price and benefits stay balanced.

⚖️ Blue 90 sits in the "best-value zone"

Low out-of-pocket and high coverage at once — a well-balanced plan.

🤝

Shared cost (Coinsurance)Care costs split 90 / 10 with the insurer

10%

🛡️

You hold the first layer (Deductible)Just a $100 first slice — minimal risk you retain

$100

🌟

High coverage rateThe insurer pays 90% — stronger on big bills

90%

Low out-of-pocket + high coverage = price-competitive, benefit-rich value.

🧮 Same price — $100 vs $500?

Even at the same premium, what you pay first changes everything.

🛡️

With Blue 90, even for a big treatment you pay just $100 first.

💸

Other plans often make you cover $500 first in the same situation.

⚖️

Similar price but 5× less upfront → not really a fair comparison.

🏆 Blue 90 = price-competitive + benefit-rich

💉

Preventive benefits — vaccines, immunizations, check-ups — are covered right away with no deductible. They’re separate from your first $100, so no worries!

🔍 How to compare look-alike plans

Go in order and the truly reasonable plan shows up.

Group by the same price

First pick a few plans with similar premiums and compare them on the same line.

Whose deductible is lower

At the same premium, the one with the lower upfront deductible wins.

Is the copay fair?

School group plans usually run $20–30 for an office visit. Use that as your benchmark — and check the Urgent care copay too.

Benchmark: office visit $20–30

Prescriptions — copay or coinsurance?

Key: Tier 2·3 cost

Check the exclusions

Finally, make sure a very common benefit isn’t quietly listed as an exclusion.

⚠️ A "partner plan" that costs more?

Be careful with plans that charge more for similar benefits.

A good plan should offer at least slightly better benefits at the same price. If two cost about the same but Blue 90 has a $100 out-of-pocket while another makes you pay $500 first — they aren’t really comparable.

If a premium is higher, the out-of-pocket should be lower to be equal.

Great value and coverage — Blue 90

Compare price and coverage for yourself.
Ask DIANai anything!

DIANins

DIANins · International Student Health Plans

Compar with Blue 80 & 90 !

✓ Covered ✗ Not covered orange text = has a cap ◆ best in this row

	Blue 8080% Coinsurance	Blue 9090% Coinsurance	Blue 100100% Coinsurance
Core Benefits
DeductibleIn-Network	$500	$100	$0 ◆
DeductibleOut-of-Network	$750	$500	$200 ◆
Maximum per policy year	UnlimitedUnlimited	UnlimitedUnlimited	UnlimitedUnlimited
Out-of-pocket maximumIn-Network	$7,000OON $14,000	$6,000OON $12,000	$5,000 ◆OON $10,000
CoinsuranceIn-Network	80%OON 70%	90%OON 70%	100% ◆OON 70%
Pre-existing condition	No waitStudent / Dependents 24mo	No waitStudent / Dependents 24mo	No waitStudent / Dependents 24mo
Vaccine & Physical Exam	✓In-Net 100%	✓In-Net 100%	✓In-Net 100%
Copay — Office visitPhysician / Specialist	$25	$25	$25
Copay — ERwaived if admitted	$150	$150	$150
Copay — SHC / Urgent CareSHC / Urgent Care	$0 / $50	$0 / $50	$0 / $50
Prescription Drugs	$10 / $30 / $50Tier 1 / 2 / 3	$10 / $30 / $50Tier 1 / 2 / 3	$10 / $30 / $50Tier 1 / 2 / 3
Other Key Benefits
Hospitalization	✓80%	✓90%	✓100%
ICU / Cardiac	✓	✓	✓
Surgical Benefits	✓80%	✓90%	✓90%
Reconstructive Surgery	✓	✓	✓
Inpatient Rehabilitation	✓45 days	✓45 days	✓45 days
Maternity	✓80%	✓90%	✓100%
Elective Abortion	✓$1,500	✓$1,500	✓$1,500
Mental Health	✓80%	✓90%	✓100%
Physical / Therapeutic	✓12 visits	✓12 visits	✓12 visits
Cancer & Oncology	✓80%	✓90%	✓100%
AIDS · HIV · STD	✓80%	✓90%	✓100%
Alcohol / Substance	✓80% UCR	✓90% UCR	✓100% UCR
Chiro / Acupuncture	✓$500	✓$500	✓$500
Home Health / Hospice	✓Hospice 45 days / $5,000	✓Hospice 45 days / $5,000	✓Hospice 45 days / $5,000
Organ / Transplant	✗	✗	✗
Congenital / Habilitative	✗	✗	✗
Allergy / HIV Screening	✗	✗	✗
Pediatric Dental / Vision	✗	✗	✗
Emergency Dental	✓$250/tooth · $1,000	✓$250/tooth · $1,000	✓$250/tooth · $1,000
Palliative Dental	✓$600	✓$600	✓$600
Recreational Sports	✓80%	✓90%	✓100%
Evacuation / Repatriation	✓100%	✓100%	✓100%
Excluded in all three tiers
Gender identity/dysphoria · cosmetic/elective surgery · infertility (IVF)/sterilization · vision correction·glasses·LASIK (except pediatric vision) · dental (except accidental/pediatric) · hearing aids · obesity/weight-loss treatment · smoking cessation · sleep studies (sleep apnea) · sexual dysfunction · genetic screening · breast reduction · travel immunizations · competitive/hazardous sports (varsity·club competition, skydiving, scuba beyond 30m, etc.)·motorcycles · war·terrorism · home-country care (beyond schedule) · care by a family member · costs reimbursable by other insurance/government

Out-of-network OOPM is 2× the In-Network figure ($14,000 / $12,000 / $10,000).

Common: all four plans use the U.S. Aetna network, are issued by Spectrum Life, and use Global Reach Rx network pharmacies for prescriptions.

This table summarizes the Schedule of Benefits; final contract terms follow the official policy document.

DIANins Blue 80

DIANins Blue 90

DIANins Blue 100