IU International Plan

Customized for IU's international students and scholars

The IU Plan, also known as the Aetna International Plan, is administered by Aetna Student Health a full-service insurance company. You do pay a fee for this, but IU negotiates reasonable rates every year. Students and scholars enroll in and pay for the IU Plan differently.

Other insurance providers might offer plans at attractive prices, but these plans do not provide enough coverage for illnesses or injuries, which could leave you with expensive medical bills. IU actively works with Aetna to provide a superior plan as added protection for our students and scholars.

University Human Resources provides detailed information about the plan, the coverage it provides, and its costs. Learn more.

Minimum coverage levels

All international students and scholars at IU are required to have health insurance for their entire stay in the United States. Explore your options and make sure to take action.

Students

Scholars

Welcome from Aetna

Learn more about health insurance in the U.S. and how IU works with Aetna to make sure you receive excellent benefits at a fair price.

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Medical benefits

Preventive Care: This includes things like vaccinations and immunizations, annual physicals, and regular doctor appointments. Women are covered for annual well-women visits and contraceptives, if desired. See more information here.
Pre-existing condition coverage: In the U.S. many insurance companies do not provide coverage for any kind of pre-existing condition or sickness for which you were treated before the effective start date of your insurance policy. In many cases, pregnancy is treated as a pre-existing condition.
Maternity care: Aetna covers maternity care regardless of when/where the baby was conceived. This covers the expenses for pre-natal care, delivery, complications, and the first 30 days after your baby is born. Aetna helps you plan for your baby and provides information with the Beginning Right maternity program.
Behavioral Health: Aetna covers things like counseling and disability testing as well as alcohol/drug related treatment.
Serious injuries and accidents: Aetna covers your medical costs in the event that you have a serious injury/accident (like a car accident).
Sports and athletics: Aetna will provide coverage for injuries caused by participating in sports (even intramural or intercollegiate sports). Most other insurance companies will not.
Physical therapy: Aetna includes coverage for short-term rehabilitation or physical therapy when it is prescribed by your doctor.

Non-medical benefits

OnCall International

OnCall International can provide a range of help for:

Worldwide medical information and assistance
Travel assistance
Emergency travel assistance for you or your family (in the case you are injured)
Help with lost travel documents
Assistance with replacement of lost credit cards/traveler's checks
Legal consultation and referrals
Delayed baggage tracking and assistance
Evacuation for political reasons
Evacuation due to disasters
Prescription drug replacement (if you lose your prescriptions, they can help you get more medicine quickly)

24-Hour nurse line

Not sure if you need to go to the doctor or the Emergency Room (ER)? Call Aetna’s 24-hour nurse line. You can talk with a registered nurse about any health-related issue. They will answer your question and help you make smart decisions about your health.

Large preferred provider network (PPN)

In the U.S., most insurance companies have a "preferred provider network" or "in-network doctors." This simply means that they contract with certain doctors to provide care to their patients at a reduced cost to the insurance companies.
This means you should always use a preferred or in-network provider. Aetna has a very large list of doctors that they consider to be preferred providers, which means that you see a lower cost of your visit/care.

Find an Aetna Preferred Provider

You can search for a specific type of doctor, doctor's gender, or even geographical location.

Online medical portal

Aetna Navigator is your online portal to access your health insurance account. Create an account with your IU student ID and date of birth, and you'll have immediate access to your information.

Health discounts and resources

Aetna provides discounts on fitness, weight management, and vision. See information here.