Medical Insurance

Insurance Requirement

International students are required to purchase the insurance policy that is offered through the Global Engagement Center. This policy is provided by JCB Insurance Solutions via AETNA.

Please be sure to renew your insurance before your current policy expires, otherwise a hold will be placed on your account, which will prohibit registration/transcript request, etc.

To renew your insurance, visit JCB Insurance Solutions, select "Orange Coast College" as your school; select the appropriate policy year and type of student you are. If you are currently enrolled at OCC and continuing for the following term, you must purchase continuing student coverage; proceed with your payment information.
Upon processing your payment for insurance, you will be emailed a confirmation notice from JCB Insurance Solutions.
Using Your Insurance Policy

The Medical Insurance policy has been carefully chosen and designed for the needs of international students. It will cover necessary expenses for medical illnesses, injuries, mental health counseling, 50% cost of prescriptions, & preventative care (from Fall 2018 onward).

For full details about your coverage and how to use your benefits, see the OCC JCB 2022-2023 Insurance Brochure. View the IEC@OCC JCB 2022-2023 Insurance Brochure.
How do I get my insurance ID card?

Iinstantly access your insurance benefits, ID card, in-network physicians and much more by visiting AETNA.

Follow the easy steps to print your insurance ID card.
What should I do if I need to see a doctor?

If open, the OCC Health Center is the preferred first step for non-emergency issues. All enrolled OCC or IEC@OCC students who have paid the health fee can use the OCC Health Center.

If you cannot visit the OCC Health Center first, seek medical care from an in-network ddoctor or urgent care. Remember, in order for a medical bill to be paid at 100% after copays when you seek treatment offcampus, the doctor or hospital you visit must be a member of the Preferred Provider Organization.

There are online appointments available through Teledoc.

During COVID-19 teledoc visits are copay free, as detailed on the AETNA coronaries page

Visit www.aetnastudentheatlh.com to find in-network physicians and medical facilities.
How do I find a PPO doctor, hospital, or urgent care center in my Network?

To find your PPO Network list of doctors, Hospitals, and Urgent Care Centers, visit www.aetnastudenthealth.com and click on ‘find a Doctor.’ Visiting an in-network provider will be less expensive for you than services provided out-of-network.
What if it is an emergency, such as an accident or life-threatening situation?

In the case of an emergency go to the nearest hospital or call 911. You may receive treatment at any hospital. There is also a $100 copay for each hospital visit, inpatient or outpatient. Each emergency room visit has a $100 copay per visit (waived if admitted to hospital).
Should I visit the Emergency Room, Urgent Care, or the OCC Student Health Center?

OCC Student Health Center

If you are feeling unwell, but it is not an emergency, visiting the OCC Student Health Center is always the cheapest, easiest option. The Health Center has medical professionals who can help you with routine things and can write prescriptions when necessary.

Emergency Room or 911

Visiting the Emergency room or calling 911 should only be done in real, serious, and life-threatening emergencies. The wait times and costs at an emergency room are quite high and there are better options if you need to see a medical professional immediately, but you are not experiencing a life-threatening emergency.

If you do experience a life-threatening emergency, you may receive treatment at any hospital. There is a $100 copay for each hospital visit, inpatient or outpatient per visit (waived if admitted to hospital).

Urgent Care

If you are sick or injured and it is not a life-threatening emergency, but you cannot wait for a scheduled doctor's appointment or you are outside of OCC Health Center service hours, you may want to visit an urgent care center instead. Urgent Care Centers are less expensive and provide faster service than the typical emergency room visit – this will save you money and time.

Urgent care centers provide treatment for minor injuries or sickness. Usually, appointments are not required. The following urgent care centers are near campus and are part of the PPO network:

Direct Urgent Care Incorporated

1421 W Macarthur Blvd STE E

Santa Ana, CA 92704

(714) 710-3030

Concentra Health Services, Inc.

3100 W Warner Ave.

Santa Ana, CA 92704

(866) 944-6046

Always check with the doctor or medical facility directly to confirm they are still participating in the network before you receive treatment.
Can I use my own insurance from back home?

No, you cannot use an international medical insurance in place of the OCC coverage. However, OCC students in F-1 status may be eligible to waive the OCC insurance requirement if medically insured by a parent or spouse through a U.S. employer. Students on valid OPT may be eligible to waive this requirement if covered by a U.S. employer. All insurance coverage must meet the standards of the American Health Care Act (2017). For more information, please see the Medical Insurance Waiver/Refund Request Form.
I will no longer attend OCC, can I request a refund for my policy?

If you are leaving the U.S., have applied or been approved for an adjustment of status, and/or do not plan to attend OCC any longer, you may be eligible for a refund within the first 45 days of the policy. If you have used your insurance coverage during the policy period, you will not be eligible for a refund. Please note that all refund requests are subject to final review by JCB Insurance Solutions. For more information, please see the Medical Insurance Waiver/Refund Request Form.
More Questions?

If you have medical health questions you can contact the OCC Health Center.

For questions about purchasing your insurance or removing holds, contact the Global Engagement Center.

For questions about your insurance and using your plan, contact JCB Insurance Customer Service at StudentServices@jcbins.com or (714) 923-1325. You can also find information on the AETNA site or contact AETNA at (877) 480-4161.

If you are seriously injured or need immediate medical assistance, call 911.

For additional support or accomodations, contact the Global Engagement Center staff. We can assist you in letting your professors know & help coordinate any student support services.

In This Section

OCC Student Health Center

Emergency Room or 911

Urgent Care