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about the patriot exchange program standard Hello, I am a new J1 visitor scholar from China and I need to buy the health insurance. I think the patriot exchange program standard may be suitable for me but I have some question to solve before make the decision. The first is that my spouse will arrive here three month later when I may have already had this insurance, how could I buy her the same insurance? Shall I buy for three months first and then buy with her for other period of our stay in US or could I buy for myself and then buy hers separately I ask because that the eligibility says that the program is design for active engaged person so I am not sure whether she needs to buy it depending on me. Another question is whether the monthly rate for her is same to me( about for $41 per month with the maximum coverage of $50,000) (I found that J2 rate is much expensive than J1's in some other insurance plan, so I want to find out what is in yours.) Thank you,
Your wife is eligible for the Patriot Exchange too (the plan is offered to program participants and their dependents). I suggest you wait until she’s ready to come over and then purchase hers at that time. The rate is the same. You can make instant purchase online at /j1-visa-health-insurance/ Please let me know if you have any other questions.
Could I buy three month first and then when I need to renew the insurance I buy for her? If I wait until her arrival, maybe there will be problem in this three months.: )
You can buy for 3 months first for yourself and then renew it for you. You can then buy it separately for your wife at that time.
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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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