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Question:

I am a 34 year old female, non-US resident, who currently resides in Saudi Arabia and plan to travel to the US through a J1 Exchange Visitor Visa for a research trainee post which will last a year. I have typed in my details and got a list of available health insurance options. I would like to inquire/confirm if: 1) I am eligible for both the Atlas America plan and Patriot Exchange Plan? 2) Whether both plans fulfill the minimum requirements set by the Department of State for health insurance under J1 visa requirements which state "minimally acceptable insurance is: - Medical benefits of at least $100,000 per accident or illness - Repatriation of remains in the amount of $25,000 - Expenses associated with the medical evacuation of the exchange visitor to his or her home country in the amount of $50,000 - A deductible not to exceed $500 per accident or illness 3)What is the minimum amount I have to choose as the policy maximum in both plans to fulfill the Department of State criteria? 4) Why is the deductible that has to be paid per entire policy period in the Atlas America Plan as opposed to Patriot Exchange plan where the deductible paid seems to be per accident/illness.

Answer:

Thank you for contacting Insubuy. We are happy to be of assistance. Whichever plans populate after the quote screen are the ones that you would be eligible for with your specific criteria. All the plans found in J1/J2 Visa Insurance will meet the minimum requirements for the J1/J2 visa and it is important to select a minimum of a $100,000 maximum for the plan and a deductible no higher than $500. Should you have additional questions or need further assistance please let us know.

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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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