The Payment Card Industry Data Security Standard (PCI DSS)—which was developed by the PCI Security Standards Council (PCI SSC) created by Visa, MasterCard, American Express, Discover, and JCB—is an extensive set of technical and operational standards that a company needs to follow to ensure that all companies that process, store, or transmit credit card information maintain a secure environment.
There are many stringent requirements, including but not limited to:
PCI DSS has six major objectives, 12 key requirements, 78 base requirements, and over 400 test procedures. Click here for more information.
When a business is PCI-compliant, it means that that the business reviews and follows the guidelines set forth by the credit card companies to help ensure your credit card information is protected and your personal information is secure.
I will be a visiting scholar (J1 Visa) in Rutgers University. But, they require a health insurance for issuing the DS-2019 which is required for visa application. I looked up your insurance plans, however I couldn't be sure whether they meet the requirements of Rutgers University which I listed below. Currently I have a B1/B2 visa and I have acceptance letter from the professor I will be studying together. I'm looking for a monthly payment plan. RUTGERS UNIV REQUIREMENTS FOR INSURANCE -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.
Unfortunately, the plans available to purchase outside of the university are not going to meet these requirements. You would need to purchase the schools insurance if available.
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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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