Hi,
Dear Madhur,Thank you for contacting us at American Visitor Insurance for your F2 visa student health insurance needs!.
Students and scholars on F or J visas have the best coverage for maternity coverage. However, the benefits have been reduced a few years ago such that the best coverage is 80% coverage of costs, so please be aware that you will be responsible for a portion of all costs. Also note that unless your wife is the J1 visa holder YOU will have to be the primary on the policy and she (with J2) will be secondary. Also note that prices are DIFFERENT for the primary and the spouse, so when you quote the prices, quote them for two people at the same time since the cost will be MUCH HIGHER for your wife's coverage.
There are five policies that cover maternity at an 80% coverage without a set limit on benefits. I will list them in order of their approximate cost. Note that conception has to occur after the start of the plan and most plans ask that you let them know at least three months before your delivery date.
Study USA Pref 300 and Pref 500 both cover maternity at a 80/70% (in network/out of network). Conception has to occur after the start of this plan. This plan will be about $133 for the Elite plan.To get details for Study USA, , please visit the below links
Liaison Student plans Choice and Plus have a $10k limit on maternity benefits at 80/60 coverage respectively. The Choice plan will cost about $151 per month.To view all information on the insurance, please visit the below links:
Student Secure Secure Elite, Select and Budget plans also cover at 80/70% to the maximum of the plan. The Select plan can be purchased with a $300k maximum, Budget plan can be purchased with a $250k maximum and the Elite can be purchased with $500k.The Elite plan will cost $375 per month, Select about $220 and Budget about $95.To view all information on the insurance, use below links:
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. This plan will cost about $314 per month.We are an agency and we work with 8 different insurance companies to give our clients as great a variety of plans as we can to get the coverage they need. Do let us know if we can assist you any further.
Regards,Hi,! I’m an international student and I’m looking for insurance plans for my husband and daughter who both hold F2 Visa. The insurance plan must cover the following: Medical benefits of at least USD 100000 per accident or illness; remains repatriation coverage of at least USD 25000 per person covered, coverage for expenses associated with medical evacuation to the international student’s home country of at least 50,000 per person covered; and Deductibles that do not exceed 500 per accident or illness. Could you please let me know if there’s anything I can further pursue?
Thank you,Dear Yanping,Thank you for contacting us at American Visitor Insurance for your F2 visa student health insurance needs!.
The Patriot Exchange plan is a very economical plan that can be used to meet F2 visa requirements and for international students. The plan can be purchased for the F2 visa holder as long as the F1 visa holder already has coverage from their institution. The deductible can be $500 or less with no further costs for the insured (most plans have coinsurance which still must be paid after the deductible). Also, if the institution has a health center, you can pay only a $5 copay for each visit for additional benefit and savings. You can purchase this plan with a sports rider to cover such activities such as downhill skiing. All these benefits make it a popular and excellent choice. This is the only student plan available for F2 while F1 is already on a plan. To get details for Patriot Exchange (including brochure, PPO, claims information) and to get a free quote and/or buy Patriot Exchange insurance, please visit the below link:
Please let us know if you have any further questions or concerns. We would be happy to assist you! The F2 visa holders are also eligible to purchase the visitor insurance plans.
Regards,Hi,I am looking for a Health Insurance for my wife, Aycan.
I am F1 Student visa holder, working for a construction company and have insurance from my company. My wife is holding F2 visa and planning to get pregnant in a year; she doesn't have SSN. After my online research, I found Patriot Exchange insurance which is for F2 visa holders and covers maternity. Can you please give me information about health insurance plans and prices?
Thank you,Dear Alp,Thank you for contacting us at American Visitor Insurance for your F2 visa insurance needs!. The Patriot Exchange student insurance plan is available for F2 Visa holder alone in case the F1 Visa holder is already having health insurance. This is the only student insurance plan that is available for F2 visa holders, the other student plans are not available for F2 visa holders without the F1 visa holder also being on the same plan. However, the Patriot Exchange plan does not provide coverage for Maternity and Pregnancy.
Here you can find the visitor insurance plans that are suitable for F2 Visa holders but again they DO NOT cover maternity and pregnancy: Know More »
Here are the student insurance plans that cover maternity but they need the F1 to be on the plan: Know More »
Please let us know if you need anything further
Regards,
Hello,I'm interested in F2 Medical insurance Atlas Premium America Plan. What does it mean by "up to $15 copy" in the outpatient benefit for doctor office visits?
Could you give an example? How much is the maximum coverage for doctor visits?
Thank you,Dear Dixi,Thank you for contacting us at American Visitor Insurance for your F2 visa insurance needs!.
Copay is the amount that you pay for each doctor visit. If you have chosen the plan with a $0 deductible, then you need not pay the copay.
The maximum coverage that the plan will provide will be not more than what you have selected as policy maximum on your plan.
Let's say you have bought a plan with $50 deductible and a policy maximum of $50,000.
When you visit a doctor for some illness and let's say you incur a cost of $500 for the medicine and the check up. For the first time visit and medical expense you incur, you will be paying the $50 deductible and then you will pay $15 as co pay. The insurance company will be paying $435.
This plan says that the insurance company will pay 100% of co-insurance.
So, you do not have to worry about that.
Please let us know if you need anything furtherHello,Dear Sungmin,Thank you for contacting us at American Visitor Insurance for your F2 visa insurance needs!. We offer insurance from various highly rated insurance companies which allows you to compare prices and options to find the policy that meets your needs and budget.
If you are considering becoming pregnant and want to be sure you have insurance that will cover it, there are options available. If you are a student enrolled full time in a college, then may be a 90 day waiting period or no waiting period for the pregnancy to be covered (although conception must occur AFTER the coverage begins). You can find quotes for student insurance here:
Compare quotesHere are some of our popular student plans that cover pregnancy:
Please let us know if you need anything furtherHi,I am F2 visa holder and 6 weeks pregnant. I'll be joining my husband in USA in last week of October, 2016. I want to know about the insurance coverage i can avail for my whole pregnancy period and post pregnancy. Please advise appropriate coverage plan.
Thanks,Dear Laraib,Thank you for contacting us at American Visitor Insurance for your F2 visa insurance needs!. Since health insurance is for the unexpected, no policy will cover the delivery and wellness visits of a current pregnancy. However, we have one option that covers "complications of pregnancy" in the first 26 weeks of gestation.
Clearly, this is insurance that we hope you would not need, but should there be some problem or a premature birth event, you would be covered. Furthermore, the policy has many excellent benefits and will take care of you in case of any sudden illness or accident.
The plan is called Atlas America and can be purchased on line for guaranteed coverage. It also covers "acute onset" of pre-existing conditions. Children under 10 years of age are "free" with a paying adult on the policy.
Immediately after your purchase, you will get a confirmation email with an ID card that you can print out and should carry with you since it has all the information needed to access your insurance should you need to.
Do let us know if we can assist you further.
Regards,Hi there,I'm a F2 visa holder and plan to travel to USA in November 2016. My husband is a PhD student at UCD (CA). His annual scholarship is 23000 usd.
I want to know how I should apply for medical insurance/ medical facilities in USA . I'm currently pregnant for a month.
Please send me some information regarding my query.
Looking forward to your response.
Regards,Dear Erum,The first option is the Patriot Exchange by IMG :
The second option is :
The third and last option is the Atlas America by WorldTrips. I am recommending this plan because it offers coverage for "complications" of pregnancy up to 26 weeks. Please refer to the brochure of the plan about complications of pregnancy coverage.
Please let us know if we can help you in any further.
Regards,Hi,I need to get information about which insurance plan cover my maternity medical coverage as F2visa holder.
Thanks,Dear Nighat,Thank you for contacting us at American Visitor Insurance for your F2 visa insurance needs!. We offer insurance from various highly rated insurance companies which allows you to compare prices and options to find the policy that meets your needs and budget.
The best options for those not yet pregnant is the Global Medical Platinum by IMG.This provide major medical coverage but they have a 10 month waiting period and extra $2,500 deductible. You are also require to purchase 1 year of coverage and is renewable each year.
Do let us know if there is anything we can help you with. For a full article with details about maternity coverage, please visit:
Maternity InsuranceHi,I need to get a proper advice on which policy i need to get my kids on f2 visas. please advice best possible options for my kids.
Thanks,Dear Paul,Thank you for contacting us at American Visitor Insurance for your F2 visa insurance needs!.
Most of our visitor plans qualify as good plans for F2 visa holders. Please have a look at our F2 Visa page. You can get quote information as well as see the popular plans readily listed in this page. Click on the name of the plan and you can read the details of the plan in our product page. You can also proceed to purchase the plan from this page.
For your convenience, here is a plan that we can recommend for your kids on F2:
Please let us know if we can help you in any further.
Regards,Hello,I am F1 Visa holder and my wife and my child are on F2. We have been living in the US since 2011 and we are citizens of Iran. Is there any plan that can offer coverage for my wife and child who are on F2?
Thanks for your help!
FereydoonDear Fereydoon,Thank you for contacting us at American Visitor Insurance for your F2 visa insurance needs!.
To view the eligible plans please go to our compare facility at Student Medical Insurance
There are fixed and comprehensive visitor insurance plans available.. Here is one comprehensive plan that you can consider: Atlas America:Hi,I am looking for a comprehensive insurance for F2 visa holder that will cover all medical expenses and also pregnancy (currently not pregnant). Can you please guide?
Thanks,Dear Abhishek, Thank you for contacting us at American Visitor Insurance for your F2 visa insurance needs!.
If you need insurance for just the F2 Visa holder then we have one student plan that covers only the F2 Visa holder even if the F1 Visa holder does not need insurance. Here is the plan details:
But this plan does not provide coverage for pregnancy. If you need coverage for pregnancy then here are some details for you to read:
If the person is considering becoming pregnant and want to be sure you have insurance that will cover it, there are options available. If the person is a student enrolled full time in a college, then may be a 90 day waiting period or no waiting period for the pregnancy to be covered (although conception must occur AFTER the coverage begins). You can find quotes for student insurance below:
Students Medical Compare
The best options for those not yet pregnant are global health insurance options. These provide major medical coverage but they have a 10 month (for partial coverage) or 12 month waiting period. You can find quotes for global health insurance here:
Global Travel Compare
The best option for maternity coverage is Global Medical Platinum which covers maternity like any other illness. The Global Medical Gold plan only covers $5,000 for normal delivery and $7,500 for c-section). With all of the above plans, you will be charged an additional cost (usually $2,500) added to your premium to cover pregnancy. Another option that has recently added a maternity benefit is the Reside Worldwide plan which also has a 12 month wait period and only covers $4,000 for normal delivery, but has no additional cost for the maternity coverage.
Please let us know if we can help you in any further.
Regards,Hi,I am 26 from China. Currently I am a F2 visa holder in US. I want to know more about the health insurance that fits me. It is better if the health insurance can cover the maternity just in case of pregnancy. I looked other QA and confused about this sentence 'These provide major medical coverage but they have a 10 month (for partial coverage) or 12 month waiting period.' Could you explain what is the waiting period.
Regards,Dear Emily,The waiting period means that you cannot get pregnant before 10 months or 12 months are over. If want sooner coverage, as a student I suggest any of the following policies:
These all cover pregnancy as long as conception occurs after the start of the policy. You can read the brochure for details.
Regards,Hi,I am an F2 Visa holder who is living in the US for a couple of years. I do not have the health insurance from my institution now. I was wondering to buy your travel plans like Atlas Travel but it is not accepting due to my country of citizenship which is Iran. Could you please suggest me a plan?
Thank you,Dear Neda,Thank you for contacting us at American Visitor Insurance for your F2 visa insurance needs!.
Below is an excellent comprehensive plan called Visit USA from Travel Insurance Services. This plan does not have any restrictions with any state in US. This plan works as a visitor plan for Non US Citizens. This plan has no restrictions for the Iran as the country of citizenship.
To get quote and purchase this plan, please visit the below link:Please let us know if you need further help!
Regards,Hi,Dear Customer,To view the eligible plans please go to our compare facility at Visitors medical compare
Are there specific requirements for your wife? Are there specific items you wish to be covered. Generally, the insurance is for sudden illness and accident only and please note we recommend a comprehensive plan over a fixed one.
Fill in the information requested, hit 'Get Quote' and you will be able to get quotes of eligible policies. Along with comparing quotes, you can review the detailed plan brochure as well as purchase the selected policy online.
To understand the difference between the fixed and comprehensive plans, please refer to - Fixed vs Comprehensive coverageIf you have any further questions about a plan or if you need help making a purchase online please call us at 877-340-7910.
Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910
Hi,I'm buying insurance for my wife. I'm already covered under my university insurance. I'm just looking for an insurance for her.
Thanks,Dear Jack,Thank you for contacting us at American Visitor Insurance for your F2 visa insurance needs!.
The Patriot Exchange insurance plan is offered by International Medical Group (IMG) and provides comprehensive insurance for international students (F1 visa) and J1 visa scholars in the USA. This plan is suitable for F2 Visa holders. If there is a health center available, the insured only pays a $5 copay instead of the $100 deductible. This and many other benefits make it a very economical and excellent choice for J visa holders.
The details of the plans are available on our site at the below link:
Please let us know if we can help you in any further. Regards,Review and compare the best F2 visa medical insurance.
US citizens are eligible to purchase health insurance plans through their state's health insurance marketplace. Non-US citizens can purchase visitor insurance plans. Those foreign students on the F or J visas qualify specifically for "student" health insurance plans which are often cheaper than visitor insurance. Students can compare student medical insurance plans and make an informed choice.
Most colleges offer group health insurance for their students. This may be required if the student does not have any other insurance. Check with your institution as to what is available. However the student insurance plans that are offered in American Visitor Insurance are usually cheaper than University insurance while offering similar coverage. Students can compare the coverage of the University insurance along with the plans on this website and make an informed decision.
The health insurance cost for the college student will depend on the coverage benefits of the student insurance plan, the age of the student, the medical maximum coverage required and the deductible for the plan. The cost of student health insurance coverage within the US is more expensive when compared to coverage outside the US.
Despite the spread of the BA.5 Omicron sub-variant, all international students with the F1 and J1 visa's are now allowed in the US. International students should however check the university updates and the covid19 requirements before travelling to US.
Unfortunately, even years after the pandemic started in China, Covid is again making a comeback with new immune-evasive variants. The Covid situation is made even more complicated in the US with influenza and the respiratory syncytial virus (RSV) which spreading earlier and faster than usual. International students should buy the best student travel insurance with covid-19 coverage. In case one contacts covid19 infections the illness will be covered and this includes the new sub-variants. Regardless of the variant a covid cover will provide students with coverage for the Covid infection.
There are many international students in the US either without proper US student medical insurance, or with F1 student insurance that does not cover Covid19. Given the health risk involved due to the Covid19 pandemic, it is very important for students to buy good Student medical insurance which includes coverage for Covid19. A Covid-19 coverage will offer protection towards the coronavirus illness just like any other illness under the benefits of the policy regardless of the variant. At American Visitor Insurance, we offer several international student health insurance with Covid19 coverage. The Covid-19 cover provides coverage just like any other illness irrespective of the variant.
Earlier international students in the US had to buy affordable care act, ACA (Obamacare) compliant medical insurance, however recent changes have removed this requirement. International students can now buy student health insurance plans offered on our website without violating US government requirements. These are some international student health insurance plans with Covid19 coverage. Students while studying in the US need not worry about getting coverage for mutated variants. Irrespective of the variant covid-19 cover will provide students with the coverage if contracted the illness.
There are some F1 visa students still stranded in the USA or on the OPT status who are not enrolled in any classes. In this situation students are not limited to buying US student health insurance and can buy short term US visitors medical insurance. The visitors health insurance plans are cheaper and work well for international students while they are not enrolled in classes. International students can review US visitors medical insurance plans that fit your needs.
Please know we are here to help you make an informed decision to get international students insurance! Let us know how we can assist you. Feel free to contact us by email or phone at any time.
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Covid travel insurance - Know more
