J1 Exchange Visitor Health Insurance

J1 Exchange Visitor Medical Insurance: Overview

J1 Exchange Visitor Health Insurance in the US and J-2 dependents must carry health insurance. Government regulations stipulate that if one willfully fails to carry health insurance, then the J-1 sponsor must terminate the exchange visitor program and inform the US Department of State. Benefits include coverage for medical expenses (pre-existing conditions may be covered), prescription drugs expenses, emergency medical evacuation and accidental death & dismemberment.

J1 Exchange Visitor Medical Insurance: Get Quotes

Answer the questions below and click "Get quote" button to compare quotes from several insurance providers.

1.	J1 Visa holder's age
2.	J1 Visa holder's spouse age
3.	Enter number & ages of dependents under 18 requiring coverage Child less than 18 years and accompanied by a parent or guardian.
4.	Select medical maximum coverage amount Maximum eligible medical expenses that the plan will cover.
5.	Select the deductible amount The initial amount that you are responsible for before the insurance pays for medical expense.
6.	Select the coverage time period	months days
7.	Where is the mailing address Address to mail the insurance ID card and certificate
8.	Where is the traveler/visitor's permanent home Applicant's fixed/permanent home to which he/she has the intention of returning to.
9.	Are you registered for courses?

J-1 Exchange Visa Scholar Insurance: Details

Exchange Scholar Visa (J Visa )Insurance Program participants and their dependents are required to have medical insurance coverage with the following minimum benefits .

Medical benefits of at least $50,000 per accident or illness.
Repatriation of remains in the amount of $7,500
Expenses associated with the medical evacuation of the exchange visitor to his or her home country in the amount of $10,000.

A deductible not to exceed $500 per accident or illness. Sponsors are to require that their participants (and any dependents entering the United States as holders of a J-2 visa) have insurance in effect during the period of time they are in the sponsor's program. An insurance policy secured to meet the benefits requirements must be underwritten by an insurance corporation with an A.M. Best rating of "A-" or above, an Insurance Solvency International, Ltd. (ISI) rating of "A-I" or above, a Standard and Poor's Claims Paying Ability rating of "A-" or above, or a Weiss Research, Inc. rating of B+ or above. Alternatively, the sponsor may ascertain that the participant's policy is backed by the full faith and credit of the government of the exchange visitor's home country.

Program regulations also discuss coverage through HMOs and self-insurance of the above requirements by federal, state or local government agencies, state colleges and universities, and public community colleges, if permitted by law.