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I would appreciate you very much if you could provide exact answers for the following questions regarding the insurance policies and how to buy the medical insurance from your company. Regarding me: I m a international scholar in Boston, I arrive in the U.S. at the begin of September, 32 days ago. 1) does the plan of medical insurance meet the J-1 Federal and Massachusetts State insurance requirements? 2) How I will pay for the plan of medical insurance? what amount is due at signing? What is the month payment? 3) Does the plan of insurance cover pregnancy and maternity care? 4) I live n Cambridge/Boston area, How do I find out which doctors and clinics I can visit? 5) Does this plan cover prescription medication? 6) Who do I contact if I have a health emergency? 7) how many countries this insurance cover me? 8) what is the buying and renewal process? Thank you very much for your time and support,


Does your sponsor have any requirements that need to be met? Most of the answers to the questions below would vary depending on the plan you choose so we would need to know if they have additional requirements first. 

All of the plans in the J1/J2 visa section of our website will meet the standard State Department of Insurance requirements. If your sponsor has requirements we can recommend a plan and then answer the questions based on that plan.

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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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Healthcare costs are very high in the U.S.

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You could lose your non-refundable trip costs if you had to cancel your trip.

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The U.S. Department of State requires all J visa holders to purchase compliant insurance.

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Schengen countries require most non-US citizens to purchase Schengen visa insurance.

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Most schools require international students to purchase health insurance.

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