Health insurance for F2 Visa holders

We get many international student customers that are interested in purchasing insurance for a dependent while they are on an F1 visa. The dependent, on F2 visa, can purchase F2 visa health insurance for themselves. The only issue becomes what the requirements of the institution for the insurance.

If the institution has no particular requirements, then the person on F2 visa can purchase any policy available to a visitor. For those visitor medical insurance policies. If there are specific requirements, then you might want to call one of our customer care representatives who can help you choose from appropriate policies.

The only student policy available to an F2 visa holder without an F1 visa holder also being on the same policy as primary insured is the Patriot Exchange Insurance plan offered by International Medical Group (IMG). IMG will insure an F2 visa holder even if the F1 visa holder is already insured by the institution. The Patriot Exchange is a very economical policy with many good benefits.

One advantage of the policy is that if the insured has access to a health center, they only pay a $5 copay (instead of the usual $100 deductible). As a copay, this is payable at EACH visit, however, even several visits will be cheaper than the $100 deductible. A disadvantage to the policy is that there is no maternity coverage and no coverage for pre-existing conditions. For a complete information on the policy, please see Patriot Exchange Insurance Brochure.

Travelling during pandemic is quite risky and International travelers traveling to the US or who are already in the US need adequate health insurance coverage away from home. Travelers can buy cheap and affordable travel insurance cover at American Visitor insurance easily.

As always, we encourage you to consult one of our licensed agents to help you wade through the options if there are any concerns or questions. And, as ever, we wish you safe and happy travels!

Students and scholars on F or J visas have the Maternity coverage However, the benefits have been reduced a few years ago such that the best coverage is 80% coverage of costs, so the students will have to be aware that they will be responsible for a portion of all costs. Also note that unless their wife is the J1 visa holder they will have to be the primary on the policy and the wife (with J2) will be secondary. Also note that prices are different for the primary and the spouse, so when students quote the prices, quote them for two people at the same time since the cost will be much higher for the wife's coverage.

There are four policies that cover maternity at an 80% coverage without a set limit on benefits. Here is the list in order of their approximate cost. Note that conception has to occur after the start of the plan and most plans ask that students must let them know at least three months before the delivery date.

• Liaison Student plans Choice and Plus have a $10k limit on maternity benefits at 80/60 coverage respectively.
• Study USA Preferred Covers 80% of eligible expenses, after the deductible, up to $15,000 inside network and Usual, reasonable, and customary up to $15,000. You may be responsible for any charges exceeding the payable amount for out of network.
• Study USA Platinum Covers 80% of eligible expenses, after the deductible, up to $25,000 inside network and Usual, reasonable, and customary up to $25,000. You may be responsible for any charges exceeding the payable amount for out of network.
• Student Secure Elite, Select and Smart plans also cover at 80/70% to the maximum of the plan. The Select plan can be purchased with a $300k maximum, Smart plan can be purchased with a $250k maximum and the Elite can be purchased with $500k.
• Student Health Advantage Platinum has a $5000 maximum limit to maternity and newborn care coverage. It has a $1 million maximum and a $35 deductible and covers at 80/60%. The plan also covers pre-existing conditions with a 6 month waiting period.