Studying in the United States offers tremendous opportunities, especially to those pursuing STEM (Science, Technology, Engineering, and Mathematics) courses. The U.S. government also offers two great extensions for these students: Curricular Practical Training (CPT) and Optional Practical Training (OPT). Unfortunately, in many cases, students tend to disregard an important consideration during this phase—student insurance.
This blog presents the reasons why it continues to be important to have student insurance during CPT or OPT, the options available, and how an international student can continue to be insured throughout their studies and work programs.
Why Insurance Matters During CPT and OPT
While universities usually require insurance coverage during the study period, many students assume that they don’t need it once their classes are over. This can be a dangerous assumption. The reality is that international student insurance is just as essential during OPT and CPT as it is during regular coursework.
Here’s why:
● Healthcare in the U.S. is expensive:
A simple doctor’s visit can cost over $100, and hospital stays may run into thousands. Without proper coverage, a medical emergency can derail your plans.
● Legal and visa considerations:
Some visa rules strongly recommend or require proof of insurance. It’s better to be prepared than risk non-compliance.
● University extension programs:
Some institutions still require you to maintain health coverage if you’re using university resources or have ongoing administrative affiliations.
Is Student Health Insurance Mandatory for STEM OPT or CPT?
Technically, once a student graduates and enters OPT or CPT, most U.S. universities no longer require them to be enrolled in student health insurance plans. However, some exceptions exist:
- Pre-completion OPT or CPT: If you’re still enrolled in your academic program while doing CPT or OPT, your university may mandate continued insurance.
- Post-completion OPT: The university might not require coverage, but your employer or visa advisors may strongly recommend it.
Regardless of the mandate, staying covered through a suitable student insurance plan is always a wise decision. Several private companies and insurance providers offer customized plans for international students in this phase.
What Are the Best Insurance Options During STEM OPT and CPT?
There are typically three types of insurance options for international students in the CPT or OPT stage:
1. University-Sponsored Insurance Extension
Some schools allow international students to extend their student health insurance plans beyond graduation. If your university provides this option, it’s a convenient way to maintain continuity in coverage.
2. Employer-Sponsored Health Insurance
If you are employed during OPT or CPT, your employer may offer health benefits. These plans tend to be comprehensive but may be more expensive than student-oriented plans. Additionally, not all internships or part-time CPT roles offer this benefit.
3. Private International Student Insurance Plans
For most students, private international student insurance is recommended during STEM OPT or CPT. These plans are built especially for visa holders, granting flexible terms at reasonable premiums and coverage for emergency medical situations and doctor visits, among other things.
Key Features to Look for in a Good Plan
When choosing a plan, make sure it includes:
- Emergency medical coverage
- Prescription drug benefits
- Mental health coverage
- Telemedicine access
- PPO network access (for affordable in-network care)
Also, ensure that the plan complies with your visa status and any employment or academic requirements you may have during this transitional period.
Common Mistakes Students Make
Here are some common insurance-related mistakes that students on OPT/CPT should avoid:
- Assuming employer coverage will begin immediately: Many employer plans have a 30–90 day waiting period.
- Canceling university insurance before new coverage starts
- Choosing travel insurance instead of proper health insurance
- Not understanding policy exclusions
Being proactive about your student insurance during OPT or CPT ensures peace of mind while you focus on building your career.
Pro tip – To explore more information on international student insurance plans and related resources, you can visit the official Student Cover website.
FAQs on Student Insurance During OPT/CPT
Q: Can I buy a student insurance plan if I am no longer enrolled in university?
Yes, many providers offer international student insurance plans tailored for OPT and CPT periods.
Q: What happens if I don’t have health insurance during OPT?
You could face major financial risks in the event of a medical emergency. In some cases, it might also affect your visa compliance or employment status.
Q: Is it better to go for employer-sponsored insurance or private student plans?
If your employer offers good coverage, it’s worth considering. However, private student health insurance plans often provide better value for students and more relevant coverage options.
Final Thoughts
The OPT and CPT period represents an exciting but complex U.S. trip. Health insurance should be your chief concern; afterthought is never an option. Without any cost extensions from the university, health plans sponsored by employers, or private student insurance, an individual’s risky situation can brace their dream career.
Check out which student health insurance best suits your needs and covers you. Protection is the right step toward an academic and professional career.
