I am 33 years old female travelling to the US to be an exchange visitor at the Stanford University on a J1 visa. I will be there for one year. My husband accompanies me for only one month.
I am looking to have an insurance cover me for one year and my husband for one month. I also like to ask if I need a maternity coverage, which plan is good and can
I take the maternity coverage at a later date? or should I pay it upfront? I also wish to know if there is a policy to pay as EMI?
Congrats on your exchange position; sounds like a great opportunity. So, the way insurance works here in the US is that you MUST have it BEFORE you need it, otherwise you will not get coverage. For example, if you are already pregnant before you arrive to the US, you will have to pay for all expenses out of your own pocket. The only way to get a pregnancy covered is if conception occurs AFTER the start date of the policy. For such a policy with a reasonable premium, I suggest the one below:
It will cost about $120 per month and note that it only pays 80% of maternity costs (so you may have to pay $5,000 or more out of your pocket because no plan covers
maternity at 100%). Domestic plans do, and possibly a plan offered by Stanford U might, but it will be significantly more expensive.
However, if you are already pregnant or don't plan on pregnancy, you can purchase the plan below. It is also a good plan for your spouse for the month that he will
be with you in California
. It is more economical and has many great benefits to it.
The Patriot Exchange
plan is a very economical plan that can be used to meet J visa requirements and for international students. The plan can be purchased for the J2 visa
holder as long as the J1 visa holder already has coverage from their institution. The deductible is only $100 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 plan will cost you about $79 per month (your husband too if he's under 49).
Please let us know if you have any further questions or concerns. We would be happy to assist you!
+1 (877) 340 7910