F2 visa insurance should be considered for dependents of F-1 visa. An F1 visa allows an international student to study in the U.S. Dependents, such as spouse and unmarried children under the age of 21 years, can join the student in the U.S. on an F2 visa. Even though health insurance for someone on an F2 visa is not mandated by the U.S. government, it is extremely important for everyone to have medical insurance for their entire duration in the U.S. as medical expenses are very high in the U.S.; health insurance is important because without it, you would pay for the full expenses yourself.
Many schools in the U.S. offer health insurance to students studying on an F1 visa. Since 2014, Affordable Care Act (ACA) compliant or Obamacare compliant health insurance plans are the insurance plans being offered by these schools. These plans will have no policy maximum, as well as provide coverage for pre-existing conditions, maternity and preventive care, among other benefits.
The majority of F2 visa holders tend to be females of child-bearing age. That means they could have have checkups, maternity and delivery claims, or other types of claims. Maternity and delivery expenses are very high in the U.S. Therefore, the schools that offer health insurance to dependents of international students will typically charge two to three times more than the F1 visa person rate. Such premiums are simply unaffordable to most people on an F2 visa.
Some schools only offer medical insurance to the student, and not to the dependent(s).
Looking at very high claim rates, many international student medical insurance plans also provide the insurance only to an F1 visa holder but not to the dependents on an F2 visa. Some plans provide F2 visa insurance coverage only if an F1 visa holder is buying the same plan. Even in that case, the premiums for dependent spouse is much higher, often three to four times.
Many schools require that full time students and their dependents enroll into an ACA compliant health insurance plan offered by the school. In that case, F1 and F2 visa holders have no choice but to do so, no matter what the price is.
However, if the school does not have such requirements, many international travel medical plans would serve as excellent F2 visa insurance coverage.
This is a great plan for F2 visa holders. It is available for durations as little as 5 days and up to 1,456 days. You can choose the deductible and co-insurance that works best for you. After you pay the chosen deductible, the plan pays either 100% up to the policy maximum or the plan pays 80% up to $5,000, then 100% to the policy maximum, depending on the co-insurance you choose. It is very popular for families with young children because for every parent insured under the plan, a dependent child up to 10 years of age is covered at no additional cost; it is considered a family friendly plan. Complete Details
Atlas Essential America
It is available for any duration up to 364 days. After you pay the deductible, it pays 75% up to the policy maximum. It is a very popular F2 visa insurance due to the fact that for every parent insured under the plan, a dependent child up to 10 years of age is covered at no additional cost, this plan is considered a family friendly plan. Complete Details
This plan is very similar to Atlas Essential America, except that if you visit providers within the PPO network it will cover 100% up to the policy maximum, after paying the deductible of course. Outside the PPO network, it will cover the usual, reasonable, and customary charges for eligible medical expenses. This plan is also considered a family friendly plan. Complete Details
Patriot America and Patriot America Plus
In both the plans, after the deductible, within the PPO network, it will pay 90% for the first $5,000 and after that, 100% up to the policy maximum. Outside the PPO network, it will pay 80% for the first $5,000 and 100% up to the policy maximum after that.
Both the plans are available up to two years.
F2 visa insurance plans will generally cover any medical conditions, injuries or accidents that may occur after the effective date of the policy. They will not cover any expenses related to maternity, delivery, preventive check ups, immunizations or pre-existing conditions. Some of the plans will cover acute onset of pre-existing conditions. Please look at the details of each plan for more information.