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J1/J2 Visa Exchange Visitor Medical Insurance

J visa medical insurance is required if you are visiting the U.S. on a J-1 visa or a J-2 visa as an exchange visitor or research scholar, or if you are inviting someone in that capacity. All of the insurance plans listed below meet the standard J1 visa medical insurance requirements set by the U.S. Department of State. Some of the J-1/J-2 visa medical insurance plans are extendable while other plans are not. Most of the plans are comprehensive coverage plans, while others a few are fixed coverage plans. You should choose your J1/J2 visa medical insurance carefully as all of the plans offer different benefits.

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Comprehensive Coverage Plans

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ExchangeGuard®

Underwriter: Lloyd's

After deductible, pays 100% to policy maximum, or
After deductible, pays 80% to $5,000, then 100% to policy maximum. [+]
Outside PPO Network: After deductible, pays Usual, Reasonable, and Customary to policy maximum. [-]

US Urgent care/Walk-in Clinic: $15 copay unless $0 deductible.

Direct Billing: Through United Healthcare PPO Network or First Health PPO Network

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Patriot Exchange Program

Underwriter: Sirius International

After deductible, pays 100% to policy maximum.

Direct Billing: Through United Healthcare PPO Network

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Atlas America®

Underwriter: Lloyd's

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Atlas Essential America

Underwriter: Lloyd's

After deductible, pays 75% to policy maximum. [+]
Outside PPO network: After deductible, pays Usual, Reasonable, and Customary out of network to policy maximum. [-]

US Urgent Care/Walk-in Clinic: $15 copay unless $0 deductible.

Direct Billing: Through United Healthcare PPO Network or First Health PPO Network

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StudentSecure®

Underwriter: Lloyd's

Elite: After deductible, pays 100% to policy maximum.
Select: After deductible, pays 80% to $5,000, then 100% to policy maximum.
Budget: After deductible, pays 80% to $25,000, then 100% to policy maximum.
Smart: After deductible, pays 80% to policy maximum.

Direct Billing: Through United Healthcare PPO Network or First Health PPO Network

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Patriot Platinum America

Underwriter: Sirius International

Medical Evacuation and Repatriation Only Plans

Notes

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