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Q:J1 and J2 Insurance questions Dear Sir, dear Madam, I am on J1-Visa (started August 1, 2015, country of provenience: Italy, country of residence: Germany) as visiting assistant Professor at the University of Notre Dame in Indiana and my family (wife, 34, two daughters, respectively 4 and 2, all on a J2-Visa, all with German passport and resident in Germany) accompanies me. Until April 30 we will be covered by the medical insurance of the University of Notre Dame. However we will stay until August 15, so we are looking for alternatives to COBRA from May 1 to August 15. The compliance form of UND states the following requirements for a medical insurance: I understand that the Federal Regulations governing the J-1 visa program require that J-1 visa holders and their J-2 dependents carry insurance coverage that meets certain requirements which are set out in the federal regulations. At least $100,000 per person per accident or illness; at least $25,000 for repatriation of remains; at least $50,000 for medical evacuation to the home country; and a deductible not to exceed $500 per accident or illness. Co-insurance may not exceed 25% payable by the Exchange Visitor or sponsor. Acceptable coverage may not exclude risk inherent in the activities of your Exchange Visitor program. The company providing the insurance coverage must have an A.M. Best rating of ?A-? or above, an Insurance Solvency International, Ltd., (ISI) rating of ?A-1? or above, a Standard & Poor?s Claims-paying Ability rating of ?A-? or above, or a Weiss Research, Inc. rating of ?B+? or above; or backed by the full faith and credit of the government of the exchange visitor?s home country; or offered through or underwritten by a federally qualified Health Maintenance Organization (HMO) or eligible Competitive Medical Plan (CMP) as determined by the Health Care Financing Administration of the U.S. Department of Health and Human Services. Is there any plan in your offer which complies with these regulations and how high would the monthly premium be? Thank you very much for your help.

A:
Thank you for your interest in purchasing insurance through us. We have many plans that meets your school requirements. But before we suggest any plan would like to know some additional information. Like arrival date in USA, what kind of insurance you and your family has, please provide the insurance company name also. Meantime, you can find J1/J2 visa insurance at, /j1-visa-health-insurance/ Please enter appropriate criteria. You will find many plans and you can also compare them side by side. If you have any further questions feel free to contact us. Dear Sir, dear Madam, thank you so much for your quick answer! We have entered the U.S. on August 12, 2015 and are currently insured with MERITAIN Select PPO, which is the health insurance partner of the University of Notre Dame. It is a family insurance. I am 34 years old, my wife too, our children are 4 and 2 years old.We would need an insurance for the period May 1- August 15, 2016 The plan I recommend based on the information you have provided is the Atlas America plan. Please use the link listed below for more information about the Atlas America plan. If you have any questions please feel free to contact our office. Atlas America brochure & instant purchase link: /atlasamerica-insurance/ I'm sorry but there a point that I do not understand...When I get a quote, is the price shown (in my case for example ca. 574 USD) the monthly premium or the total cost of the insurance from May 1 to August 15? For fun I want on with the application up to the payment form and it was the total due. Hello, If you entered the dates for the full duration then the cost is for the full duration. If you need additional assistance please feel free to contact our office.
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Q:Maternity insurance I have plan to come in US in August. i am married , so i bring my wife. we would like to have a born baby there. Do you know about prohibited pregnancy for flying, ? and do you cover the pregnancy period?

A:
Thank you for your interest in purchasing insurance through us. There is no insurance for an international visitor that covers pregnancy you have to pay from your pocket.
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Q:J1 visitor insurance needed Hi! I am from Singapore and is keen to do a fellowship in Arkansas children hospital. As part of the J1 visa requirement, I will need to have health insurance covered before getting the visa. May I find out which will be the best for me? I have looked through the website. I am in the age group of 31- 34 and single with no medical history. It says on the website , about 500 USD for 12 months. Is that right?

A:
Thank you for contacting Insubuy. We are a broker and offer all of the major plans on the market. The price quoted is based on the dates entered in the search and compare screen. In order to recommend the appropriate plan we will need more information. If your sponsoring organization has any requirements in addition to the state requirements please send these to us in a PDF format so we may recommend the appropriate plan. If you have any additional questions please let us know. You may also obtain a quote and recommendation over the phone by contacting our office at (866) INSUBUY. Hello! Thank you for the prompt reply! The guidelines are listed as below The minimum J-1 insurance coverage requirements are as follows: Provide a minimum of $100,000 per accident or illness. Medical evacuation (emergency medical transportation to the home country) covered in the amount of $50,000. Repatriation (the transportation of remains back to the home country in the unfortunate event of death) covered in the amount of $25,000. The deductible must not exceed $500 per accident or illness. I am planning to stay for a year. Will be alone and I have no medical conditions. The dates to start actually depends on the visa approval but I would expect it to be around June/July. Which would be the best recommendation? Your insurance requirements are basic J1 visa requirements. We have many plans that meets your school requirements. You can purchase either Patriot Exchange – Comprehensive plan or Inbound USA Fixed coverage plan. Patriot Exchange Program brochure & instant purchase link: /patriot-exchange-program-insurance/ Inbound USA brochure & instant purchase link: /safe-travels-elite-insurance/ You can compare these plans at /j1-visa-health-insurance/ If you have any further questions feel free to contact our office.
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Q:I would like to buy travel insurance for my mother in law who is visiting from India next month. I wanted to take the same plan that I took last time, but notice the price went up. If I do month by month, can you set up automatic renewals in your system so that it will charge me every month, or Do I need to log in each month and renew? I need the insurance for 6 months. My mother in law's age is 60 years and the state will be South Carolina. We took Patriot America last time and would like to do the same. Can I sign up for two months to start with and then renew for another two months? She will be visiting us for 6 months. I got a quote of $850 for that insurance for 6 months. Has the price gone up since two years?

A:
Insurance premium based on various factor like age, deductible option and policy max you choose. Most of the plans are renewable and there will be $5 renewal fees. This is a short term policy there is no automatic renewal. You will receive renewal reminder so either you can renew online or give us a call we can renew over the phone. You can purchase Patriot America plan. Earlier it used to cover sudden and unexpected recurrence of pre-ex blow age 65. But that benefit has been removed and new product name is Patriot America Plus and it has acute onset of pre-ex. Below age 70yrs. Please look at Acute Onset of Pre-existing Conditions for more information. If you are not worried about that benefits you can go for Patriot America plan that you had last time. You can also compare these plans at our website. Please feel free to contact us if you have any further questions.
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Q:J1 visitor insurance needed I'm a female 36 years old. I need a quotation for an individual health insurance from March 1st. The coverage has to encompass Boston. I'm Argentinian (I'll be in the US with a J1 visa) and going to UMass Boston. The insurance has to attend some requirements: Medical benefits of at least $100,000 per illness and a deductible not to exceed $500 per illness or accident. To comply with these regulations, health insurance policies must at a minimum be underwritten by corporations having one of the following: A.M. Best policy holder rating of A- or above, an Insurance Solvency International, Ltd. rating of A- or above, a Standard and Poor's claims-paying ability rating of A- or above, or a Weiss Research Inc. rating of B+ or above. Insurance backed by the full faith and credit of the exchange visitor's (J-1 scholars) government will meet this requirement. Please, let me know if you need additional information about me to do the quote. Thank you very much in advance,

A:
Hello, Thank you for contacting Insubuy for your insurance needs. You have a few options for coverage, there is a plan called Patriot Exchange Program and a fixed coverage plan called Inbound USA that will meet your requirements. The lower cost plan will be the Inbound USA plan. Please use the links listed below for more information about the available plans and to compare them. If you have any questions please feel free to contact our office. Patriot Exchange Program brochure & instant purchase link: /patriot-exchange-program-insurance/ Inbound USA brochure & instant purchase link: /safe-travels-elite-insurance/ You can compare these plans at /j1-visa-health-insurance/
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Q:about the J1 insurance plan I would like to purchase a J1 + J2 insurance, inbound USA plan C. I check on your website about the program summary of inbound USA plan C. Since our UT health university required the insurance coverage as following: major medical coverage per person $100,000 repatriation of Remains per person $ 25,000 medical evacuation per person $50,000 deductible not to exceed $500 per accident However, I did not found the information about the repatriation of Remains in the inbound USA plan C. Would you please help me to verify if inbound USA plan C meet the requirement?

A:
Yes, the Inbound USA plan does meet the requirements as listed. If you need additional assistance please feel free to contact our office.
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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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Visiting USA?

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

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