Ask Our Specialists

I am a J2 Visa Immigrant. I need to buy my first health insurance. I don't have a job, so, me and my wife are living just with her salary. To make my insurance I have to follow these minimum requirements: - The alternate coverage is currently active and the student agrees to maintain the health insurance coverage throughout the current semester - The plan offers unlimited coverage with no maximum dollar limit - The plan must include a minimum of $25,000.00 for repatriation of remains and $50,000.00 for medical evacuation. - Plan deductible does not exceed $500 out of network per policy year - Plan provides coverage in the campus area for inpatient and outpatient medical care in the immediate campus area. - Plan provides mental health benefits which include chemical and substance abuse treatments. - Plan provides 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 licensed to do business in the US with a US claims payment office and a US phone number. = 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. My wife already have a health insurance, so I don't know if I can apply for tax credit just for me using her AGI. If it's possible, her AGI is about $ 26,000. Could you please send me some quotes (cheap is better) wich covers all requirements above?