Important Information About COVID-19

ISO Customer Care | Mar 24, 2021

Frequently Asked Questions:

Coverage, Symptoms, Testing, Treatment, and How to Handle Stress

Do ISO plans cover treatment for COVID-19?

All ISO plans provide coverage for sicknesses and injuries, including COVID-19. Any treatments that are considered medically necessary, meaning when you are sick or have COVID-19 symptoms, are eligible for coverage according to your plan benefits.

For information about your insurance plan, as well as the specifics of your coverage, you can refer to your policy’s brochure, pages 3-6.

Do ISO plans cover testing for COVID-19?

Medically necessary testing specifically for COVID-19 is covered at 100% when visiting an in-network provider for the services. However, any non-medically necessary testing without any symptoms is not covered under the plan. Non-medically necessary reasons include:

  • Travel requirements
  • School/workplace requirements
  • Exposure to someone positive with COVID-19
  • Precautionary purposes
  • Antibody testing

If you need to get tested for any reason listed above, we suggest you check the following link to see if there are locations in your area that perform cost free testing as part of the state program.

Does ISO cover the COVID-19 vaccine?

The COVID-19 vaccine will be treated the same as any other wellness and preventive care measure. If you are enrolled in a plan that provides coverage for wellness and preventive care, it will be covered 100% if done at an in-network provider or your school’s student health center.

If your plan does not provide wellness and preventive coverage, any charges you receive for the COVID-19 vaccine will not be covered by the insurance. However, most vaccines are being offered for free and the only cost to you might be the administration fee depending on the provider you visit.

This fee may be as low as $15-30 and should be covered 100% through the CARES Act.

If you’re not covered, here is how to get the vaccine for free:

  1. Find a COVID-19 Vaccination Site in your area.
  2. Indicate that you do not have insurance when scheduling the appointment.
  3. Your provider can then try to get reimbursement for the fee through the HRSA COVID-19 Uninsured Program.

For more information on the vaccines, you can view our COVID-19 vaccine FAQ post.

What are the symptoms of COVID-19?

The symptoms for COVID-19 and their intensity vary case by case. Those who have COVID-19 may have very mild to no symptoms or could show severe symptoms. Symptoms can appear 2-14 days after exposure to the virus. The three main symptoms listed by the CDC include cough, shortness of breath, and fever.

As more information has come out about coronavirus, additional symptoms have become known. The CDC currently lists other potential symptoms as muscle pains throughout the body, sore throat, headache, fatigue, nausea or vomiting, diarrhea and loss of smell and/or taste.

If you are experiencing any of these symptoms, call a doctor for a professional recommendation and so they can determine if you need treatment or need to get a COVID-19 test done. If your symptoms are extreme – such as constant chest pain or pressure, inability to stay awake, bluish face or lips, confusion or severe trouble breathing, then call 911 and seek emergency medical care.

Should I be tested?

If you are showing symptoms of COVID-19, call a doctor for a professional recommendation, so they can determine if you need to get tested. With a doctor’s recommendation, you will be instructed on where to be tested and protocols to follow.

If you are showing symptoms, regardless of being tested or not, it is important to be cautious and try to not spread it to others as best as you can. Stay home, isolate from others, drink fluids, and rest.

Where can I get tested?

Testing for COVID-19 can be done in clinics, doctor offices, or at testing sites that have been set up by hospitals and other health facilities. If your doctor has recommended you for a test, they will also notify you where to go.

ISO recommends visiting an in-network urgent care or a primary care physician and following these steps:

  • ISO works with the PPO networks First Health, MultiPlan and Cigna. These networks work with providers across the U.S. to provide discounted rates in comparison to out-of-network providers. You should first check your insurance ID card, as it will have the network(s) your plan works with on there.
  • If you are looking to find an in-network provider, you can do so by clicking here. Utilize the website(s) for your plan’s network(s) listed on this page to generate a list of providers in your area. If you need additional help, there are tutorials and videos on this page as well to assist you in navigating the First Health, MultiPlan or Cigna websites.
  • If you do go in for a COVID-19 test or receive treatment for COVID-19, make sure to have the PDF of your insurance ID card available when you arrive. Show this to the appropriate person in the office and let them know ISO works with First Health/MultiPlan or Cigna networks. They may not recognize ISO insurance so it is important for you to specify your plan’s network(s) and bring your insurance ID so they can verify your information.

Do I need an appointment for the testing?

Some providers allow you to get tested without an appointment. This depends on each provider. You can call directly to the provider or check their website to have more information.

What should I do if I get COVID-19?

If you test positive for COVID-19, follow your doctor’s recommendations. You should stay home except for emergency situations and make sure to rest and stay hydrated. Self-isolate as best you can so you do not spread it to others.

Be sure to monitor your symptoms – if they worsen call your doctor.

If they worsen in an extreme manner, call 911 for immediate medical care.

If you are hospitalized with coronavirus, there are things that doctors and nurses can do to assist with your breathing and make you as comfortable as they can while your body fights the virus.

How can I best cope with stress during this time?

This is a very stressful time. There are still many unknowns about the virus and how long this will last. Beyond the fear of getting sick, we understand that the pandemic has created many complications that can leak into your personal life and your professional/financial situation.

All members with ISO have free and unlimited access to CareConnect, a service that connects you with certified counselors, available 24/7. These counselors will provide immediate support, as well as a plan for the next steps to best take care of your mental state. It is important to take care of yourself; do not hesitate to reach out. To get connected, call 1-888-857-5462, any day and at any time.


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About ISO Student Health Insurance

ISO Student Health Insurance (ISO), founded in 1958 and headquartered in New York City, is an insurance brokerage specializing in health insurance solutions for international students. As such, ISO acts as plan administrator, broker and manager of the high-quality insurance products available for international students, scholars and their dependents during their course of study in the U.S.

For more information, please visit and connect with us on Facebook, Instagram, WeChat, Weibo, Twitter and LinkedIn.

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