Patriot Exchange student health insurance plan by IMG
- Individuals and groups participating in student international programs
- Cultural exchange participants
- International graduate students
- Scholars and educators
This is how the Affordable Care Act affects the Non US students purchasing this plan. As non resident aliens, international students, scholars and people involved in cultural exchange programs on F, J, Q, M Visas are not subject to the individual mandate for the first five years in the US. All other J categories are not subjected to the individual mandate for two years. Since international students are not subject to the mandate, they are not required to purchase a plan that meets PPACA requirements and can purchase the Patriot Exchange program.
The benefits of this plan include all of the essential requirements but does not provide coverage for maternity. This plan is renewable for up to 48 months and is purchased for a minimum of one month. This Patriot Exchange plan also has an optional 'Adventure Sports rider' benefit. Pre-existing conditions are covered with a look back period of 3 years. There is a Patriot Group Exchange plan available as well for group of five or more students or participants in cultural exchange program. You can see an example of how Patriot Exchange insurance works.
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