Medical Insurance for J-1 Exchange Visitors and J-2 Dependents
All exchange visitors (both J-1 principals and J-2 dependents) are required to have sickness and accident insurance, and medical evacuation and repatriation insurance in effect for the duration of their exchange visitor status. They (both J-1 principals and J-2 dependents) may be subject to the requirements of the Affordable Care Act http://www.hhs.gov/healthcare/rights/law/index.html.
A willful failure to carry insurance is considered to be a violation of the Exchange Visitor Program regulations which will lead to termination of his/her DS2019. The Department of State treats willful failure to carry insurance as a serious infraction for which neither correction of the record nor reinstatement is available as remedies.
Minimum insurance coverage shall provide:
(1) Medical benefits of at least $100,000 per accident or illness;
(2) Repatriation of remains in the amount of $25,000;
(3) Expenses associated with the medical evacuation of exchange visitors to his or her home country in the amount of $50,000; and
(4) Deductibles not to exceed $500 per accident or illness.
Insurance policies secured to fulfill the above requirements:
(1) May require a waiting period for pre-existing conditions that is reasonable as determined by current industry standards;
(2) May include provisions for co-insurance under the terms of which the exchange visitor may be required to pay up to 25% of the covered benefits per accident or illness; and
(3) Must not unreasonably exclude coverage for perils inherent to the activities of the exchange program in which the exchange visitor participates.
Any policy, plan, or contract secured to fulfill the above requirements must, at a minimum, be:
(1) Underwritten by an insurance corporation having an A.M. Best rating of “A¥” or above; a McGraw Hill Financial/Standard & Poor’s Claims-paying Ability rating of “A¥” or above; a Weiss Research, Inc. rating of “B+” or above; a Fitch Ratings, Inc. rating of “A¥” or above; a Moody’s Investor Services rating of “A3” or above; or such other rating as the Department of State may from time to time specify; or
(2) Backed by the full faith and credit of the government of the exchange visitor’s home country; or
(3) Part of a health benefits program offered on a group basis to employees or enrolled students by a designated sponsor; or
(4) Offered through or underwritten by a federally qualified Health Maintenance Organization or eligible Competitive Medical Plan as determined by the Centers for Medicare and Medicaid Services of the U.S. Department of Health and Human Services.