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Question:

Hi I'm J-1 visa holder in Rutgers University. I'll be in NJ with my spouse and 1 child (7 years). They'll get J-2 visa. My school's requirements: The alternate coverage is currently active and the scholar agrees to maintain the health insurance coverage throughout their current DS2019. The plan offers unlimited coverage with no maximum dollar limit Plan deductible does not exceed 500 out of network per policy year Plan provides coverage for inpatient and outpatient medical care in the immediate campus area. Plan provides mental health benefits which include chemical and substance abuse treatments. Plan provide preventative care services which include, but are not limited to, annual physicals, GYN exams, routine screenings and immunizations. Plan covers pre-existing conditions. Plan covers prescription drugs with no maximum dollar limit and a nationwide network of pharmacies. Plan must not be a reimbursement plan. The plan is provided by a company with a US claims payment office and a US phone number. Plan must be filed and approved in the United States and fully compliant with the Affordable Care Act Benefit Regulations Plan must pay medical providers directly for inpatient and outpatient care (must not be a reimbursement plan). The underwriting company must have a rating of either "A" or above by A.M. Best, "A-1" or above by Insurance Solvency International Ltd., "A -" or above by Standard & Poor's Claims-paying Ability, "B " or above by Weiss Research, Inc. Please note that Rutgers carries a policy that meets the Department of State's requirement for 25,000.00 repatriation of remains coverage and 50,000.00 medical evacuation coverage. Anyone on Rutgers F-1, J-1, F-2, or J-2 sponsorship is automatically covered by that policy regardless of their enrollment in the Student Health Insurance Plan. Do you have a health insurance suitable for us?

Answer:

Thank you for contacting Insubuy for your insurance needs. Unfortunately, there would not be a plan we could offer that would meet such requirements. It would be recommended to purchase the insurance coverage offered by your university. Should you have additional questions or need further assistance, you may also call our office at +1 (866) 467-8289.

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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.

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