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I am applying for J1 visa for one year. I want a health coverage for the entire year. What will be the cheapest plan? Can I pay in a monthly bases? Kindly, find the here under the university requirements: Minimum levels of health insurance coverage must provide: 1. medical benefits of at least $100,000 per illness or accident 2. deductible not to exceed $500 per accident or illness 3. expenses associated with medical evacuation in the amount of $50,000 4. repatriation of remains in the event of death in the amount of $25,000 5. Coverage of pre-existing conditions after a reasonable waiting period 6. Co-payments that do not exceed 25 percent The corporation underwriting the insurance policy must have one of the following ratings: 1. an A.M. Best rating of "A-" or above; 2. an Insurance Solvency International, Ltd. (ISI) rating of "A-i" or above; 3. a Standard & Poor's Claims-paying Ability rating of "A-" or above; or 4. a Weiss Research, Inc. rating of "B+" or above https://isso.ucsf.edu/scholars/current-scholars/j-1-scholars/health-insurance-requirement
The lowest cost plan that meets the requirements below is the ExchangeGuard Essential with a 12 month waiting period for pre-existing conditions. That plan will require the full payment if you need the coverage for a year. Another option is the StudentSecure Budget, also with a 12 month waiting period, but offers a monthly payment option. Please see the links for more information about the plans.
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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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