Reviews of popular J1 visa Insurance plans

The table below reviews the benefit options and coverage limits of popular insurance plans for J1 visa holders or exchange scholars. These plans satisfy the requirements set by the US consulates. Review and choose the plan that best suits your needs.

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Age
Start Date
End Date
Coverage Region
Citizenship
Study USA 
Plan Maximum
Deductible
Plan covers Covid19 illness
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Patriot Exchange
Plan Maximum
Deductible
Plan covers Covid19 illness
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Student Secure Budget
Plan Maximum
Deductible
Plan covers Covid19
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Navigator for Student
Plan Maximum
Deductible
Plan covers Covid19
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  Insurance Providers
  Covid19 coverage
Study USA insurance Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury. Patriot Exchange insurance Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury. Student Secure Insurance with coronavirus coverage covers Covid19 illness for international students outside their home country. Coverage of COVID-19 testing and treatment.
  Coinsurance - Claims Incurred Inside the U.S
Basic plan:IN NETWORK: 80% after deductible, up to overall maximum limit; OUT OF NETWORK: Plan pays 100%
Standard , Preferred and Platinum plans:IN NETWORK: 80% after deductible, then overall maximum limit; OUT OF NETWORK: Plan pays 100%
Plan pays 100% Within PPO: The plan pays 80% of the next $25,000 of eligible expenses after deductible, then 100% to the overall maximum limit.;
Outside PPO: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.
Within PPO:20%;
Outside PPO: 40%
  Coinsurance - Claims Incurred outside the U.S
Plan pays 100% Plan pays 100% After the deductible, 100% of eligible expenses to the certificate period maximum. Waived outside the US
  Maternity Care
Maternity Care for a Covered Pregnancy
Standard, Preferred and Platinum plan:
IN PPO NETWORK: 80% of eligible expenses; OUT OF PPO NETWORK: Up to the overall maximum. Outside US: 100% coinsurance up to overall maximum.
Not covered Up to $25,000(not subject to coinsurance) Covered
Nursery Care of Newborn
Standard, Preferred and Platinum plan:
Up to $500 - not subject to coinsurance
Not covered Up to $250(not subject to coinsurance) Not covered
Therapeutic Termination of Pregnancy
Standard, Preferred and Platinum plan:
Up to $500 - not subject to coinsurance
Not covered Up to $500(not subject to coinsurance) Not covered
  Emergency Services
Emergency local ambulance
Basic plan: $300 per injury or illness
Standard, Preferred and Platinum plans: $350 per injury or illness.
Company pay 100%.Transfer must be in patient hospital admission Up to $500 per injury / illness if hospitalized as inpatient In network: 80% to Coinsurance Maximum then 100%
Out of network:60% to Coinsurance Maximum then 100%
Hospital emergency room
Not Covered Outside the U.S: Up to the maximum limit
Inside the U.S: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit
Not Covered $350 for treatment received in an emergency room
  Dental
Emergency dental treatment
Basic and Standard plans: Not Available.
Preferred and platinum plan: Up to $100 to alleviate pain.
$350 maximum Up to $100 for acute onset of pain Not Covered
Dental Treatment - Due to Accident
Basic and Standard plans: Not Available.
Preferred and platinum plan: Up to $1,000 maximum per certificate period.
$500 per accident $250 maximum per tooth; $500 maximum per certificate period 100% of Covered Expenses up to $500 per Calendar Year maximum
  Pre-Existing Condition
Pre-Existing Conditions
Pre-Exisiting Condition Waiting Period -
Basic plan: No benefit
Standard plan: 12 months, $500 maximum per certificate period.
Preferred plan: 12 months waiting period
Preferred plan: 6 months waiting period
Sudden & Unexpected Recurrence of a Pre-existing Condition (U.S. Citizens plan only)
Eligible Medical Expenses: $5,000 lifetime maximum
Emergency Medical Evacuation: $25,000 lifetime maximum
Covered after 12 months of waiting period Covered with creditable coverage within 365 days, can be reduced or eliminated if you have been covered by a creditable group or individual health insurance plan
  Life
Common carrier AD&D
Basic plan:Not Available
Standard plan:Up to $5,000 lifetime maximum
Preferres and Platinum plans:Up to $25,000 lifetime maximum.
$25,000 principal sum No Coverage Maximum Benefit: Principal Sum up to $10,000
  Evacuation
Emergency medical evacuation
Basic plan:$50,000 lifetime maximum
Standard plan:$250,000 lifetime maximum
Preferred and Platinum plans:$500,000 lifetime maximum.
$50,000 lifetime maximum Up to $250,000 lifetime maximum $250,000 lifetime maximum
Emergency reunion
Basic plan:Up to $1,500, maximum of 15 days
Standard and Preferred plan:Up to $2,500, maximum of 15 days
Platinum plans:Up to $5,000, maximum of 15 days
$100,000 maximum limit. Not subject to deductible Up to $1,000, subject to a maximum of 15 days Not Covered
Return of mortal remains or cremation/burial
Basic, Preferred and Standard plan:$25,000 lifetime maximum
Platinum Plan:Up to $50,000 lifetime maximum.
$25,000 for return of mortal remains or $5,000 maximum for cremation / burial $25,000 lifetime maximum Maximum Benefit up to $25,000
Terrorism
Basic and Standard Plans:Not Available
Preferred and Platinum Plans:Up to $50,000 lifetime maximum.
$50,000 $50,000 maximum lifetime limit No Coverage
Prescription Drugs
Basic plan: 50% of actual charges
Standard plan: $30 deductible for generic drugs, $100 deductible for brand name
Preferred plan: $15 deductible for generic drugs, $50 deductible for brand name
Platinum plan: $15 deductible for generic drugs, $30 deductible for brand name.
Company pays 100% after deductible is met
90 day dispensing maximum
50% of actual charge 100% of actual charge up to an annual maximum of $5,000. Maximum 90 - day supply
Intercollegiate, interscholastic, intramural or club sports
Basic, Preferred and Standard plan: Not Available.
Platinum plan: Optional Buy-Up: $10,000.
Plan pays 100% after deductible is met for High School and college sports ONLY $3,000 maximum per injury / illness Medical expenses only Covered
Unique Advantages
  • Offers coverage to F2 visa holders only if the F1 visa holders are covered under this plan.
  • Comprehensive coverage plan with benefits per incident.
  • Option for family coverage.
  • Only student plan that covers 100% 1 wellness exam per year
  • Only plan that offers coverage for people with F2 or J2 visa when the primary holder (F1 or J1) has current insurance coverage.
  • "Adventure Sports Rider" is available for purchase.
  • Plan is renewable up to 48 months if plan is purchased for a minimum of 1 month.
  • There is no coinsurance.
  • Full time students and research scholars registered for universities outside their home country can buy this insurance.
  • Good PPO network.
  • It as a monthly payment option.
  • It also covers for mental health disorders, dental cover, physical therapy & chiropractic care.
  • Unlimited annual and lifetime medical maximum.
  • This plan as a monthly payment option.
  • No precertification penalty for inpatient or outpatient care.
  • Illnesses and injuries related to terrorism are covered.
Travel Insurance
Underwriter
Study USA Insurance Underwriter
Underwritten by HCC Lloyd’s Syndicate 4141.
Patriot Exchange Student Insurance Underwriter
Underwritten by Sirius International Insurance Corporation
StudentSecure Budget Insurance Underwriter
Underwritten by Lloyd's of London
Navigator for Student Insurance Underwriter
Underwritten by 4 Ever Life International Limited
Rating
Study USA Insurance Rating
AM Best Rating: "A" (Excellent)
Patriot Exchange Student Insurance Rating
AM Best Rating: "A" (Excellent)
StudentSecure Budget Insurance Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
Navigator for Student Insurance Rating
AM Best Rating: "A-" (Excellent)
Brochure and Details

Covid19 J1 visa coronavirus insurance for exchange scholars in the US

There are many J1 visa holders currently in the US either without adequate health insurance, or having medical insurance that does not provide coverage for Covid19. At American Visitor Insurance, we are committed to providing the best J1 visa medical insurance with Covid19 coverage that is available in these uncertain times.

These are some of the few Covid 19 J1 visa health insurance.

These plans satisfy J visa requirements and cover medical expenses arising from Covid19 illness. The Covid19 treatment benefit is available for COVID19 (the disease); SARS-Cov-2 (the virus); and any mutation or variation of SARS-CoV-2.

There are also many J1 visa holders currently stranded in the US who are not enrolled in any courses. In this situation they are not limited to buying j1 visa insurance and can buy short term US visitors medical insurance. The visitors health insurance plans are cheaper and ideal for exchange scholars in the US while they are not enrolled in courses. J1 visa holders can review and compare visitor insurance plans and find Covid 19 USA J1 visa insurance coverage that fit your needs.

Please know we are here to help you make the best, informed decision to get Covid 19 J visa health insurance! Let us know how we can assist you. Feel free to contact us by email or phone at any time.

Patriot Exchange insurance ideal for J1 visa holders

Patriot Exchange insurance offered by International Medical Group (IMG) is an excellent health insurance plan supporting J1 & J2 visa. It is ideal because Patriot Exchange can be purchased by the J2 dependent even if the J1 scholar is not part of the Patriot exchange plan, as long as he or she is covered by another plan offered by the research or educational institution.

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J1 Visa Insurance - Faq's

Which medical insurance plan works well for J1 and J2 Visa holders?

We have many plans that satisfy J visa requirements that work for both J1 and J2 Visa holders. Some US health insurance plans require that the J1 Visa holder is the primary applicant for the J2 visa holder to be eligible. If the J2 visa holder alone needs coverage, then the Patriot Exchange plan offered by International Medical Group (IMG) is available. Please find the details of this plan here:

Does the domestic plans cover J2 Visa holders?

While we cannot state whether or not they cover J2 Visa holders completely, they might not meet the specific J visa health insurance requirements as defined by the immigration authorities. The J2 visa eligibility and medical insurance coverage is dependent on the J1 exchange program.

Can a visiting foreign scholar come to the United States on a visitor's visa?

Yes, a visiting scholar can come to the US on a B-1 "visitor for business" visa. Under Certain situations a person on a B-1 visa status is permitted by the U.S. Citizenship and Immigration Service (USCIS) regulations to be reimbursed for expenses, and, under the amended law, can also be paid an honorarium. Visiting scholars who are going to meet all of their own expenses can also come in B-1 status. Getting a B-1 visa does not require any formal immigration document from the University. To obtain a B-1 visa, a prospective scholar should have an invitation letter from the department with which the scholar will be affiliated, detailing the dates and activities of the contemplated visit, and indicating what if anything is to be provided in the way of reimbursements and honoraria.

What can happen if I do not satisfy the J visa insurance requirement?

The Department of State views health insurance as very, very important! The regulations require that your J program sponsor should terminate your status in the U.S. as a J visa holder if you willfully fail to comply with the J visa insurance requirement.

Can a J2 visa holder buy insurance ?

Most health insurance policies available for foreign scholars requires that the J1 visa holder be the primary applicant on the insurance policy and only then can a J2 visa holder be insured as part of that plan. However the Patriot Exchange plan offered by International Medical Group (IMG) can be purchased by the J2 visa holder without needing the J1 visa holder on that plan, as long as the J1 scholar is insured by the institution sponsoring the J visa holder.

The Patriot Exchange insurance plan is very affordable and has many excellent benefits. One advantage of the policy is that if the insured has access to a health center, they only pay a $5 copay (instead of the usual $100 deductible). As a copay, this is payable at every visit, however, even many visits will be cheaper than a single $100 deductible. A disadvantage to this Patriot Exchange policy is that there is no maternity coverage and no coverage for pre-existing conditions. For more details on IMG’s Patriot Exchange, including brochure and pricing, please use these web-links:

Medical Evacuation and Repatriation Insurance satisfies J visa requrements:

The Affordable Care Act (ACA) compliance requires the student insurance plan to include Medical evacuation coverage. The J1 Visa requirements include minimum coverage for Medical Evacuation of $50,000 and Repatriation of Remains of $25,000. Most university insurance do not provide this medical evacuation coverage, and students do not realize that they are not meeting the J1 Visa requirements. The Medical Evacuation & Repatriation Insurance offers coverage for medical evacuation of $50,000 and satisfies the J visa requirements.

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