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My name is Gianne, I'm Brazilian and I'll spend the next 4 months studying at the University of Illinois. I need to get health insurance according to the university requirements. Send below. I would appreciate the values of your plans. I am 35 years old, I will arrive on August 21st and will return to Brazil on December 22nd. MAINTAINING INSURANCE COVERAGE Health insurance coverage is required for all J-1 exchange visitors and their dependents. For general information about health insurance, please click here http://isss.illinois.edu/scholars/pre_arrival.html#insurance The U.S. Department of State has established minimum requirements for insurance coverage in order to protect J-1 participants and their family members in case of illness or accident. These requirements include: - Maximum coverage for medical benefits cannot be less than $100,000 per accident or illness. - If you should die in the United States, your insurance must provide at least $25,000 to send your remains to your home country. This is called "repatriation of remains." - If, because of serious illness or injury, you must be sent home on the advice of a doctor, the insurance must pay up to $50,000 for the expenses of your travel. This is called "medical evacuation." - The deductible cannot be more than $500 per accident or illness. This is the amount you would have to pay before the insurance company pays anything. Many policies have a much lower deductible, which is good for you. - The insurance must pay at least 75% of covered medical expenses. After you have paid the deductible, an insurance policy usually only pays a percentage of your medical expenses and you pay the rest. The percentage you pay is called co-insurance or a co-payment. - The policy may establish a waiting period before it covers pre-existing conditions (health problems you had before you bought the insurance), as long as the waiting period is reasonable by current standards in the insurance industry. - The policy must be backed by the full faith and credit of your home country government or the company providing the insurance must meet minimum rating requirements established by the State Department (an A.M. best rating of A- or above, and Insurance Solvency International Ltd. (ISI) rating of A- or above, a Standard and Poor's Claims-paying ability rating of A- or above, or a Weiss Research, Inc. rating of B+ or above). - Most insurance policies exclude coverage for certain conditions. The J-1 regulations require that if a particular activity is a part of your exchange visitor program, your insurance must cover injuries resulting from your participation in that activity.