Thank you for the information. I have some questions to ask about the patriot-exchange plan and other things as below:
Please see answers to your questions below :
The Patriot Exchange cost per month ranges from $56 to $85. This is dependent on the factors namely age of the student, the plan maximum and the deductible.
The higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Students up to age of 64 years can choose maximum limits of $50,000, $100,000, $250,000, $500,000, $5,000,000.
For example here is the cost of Patriot Exchange health insurance per month with a deductible of $250.
To file a claim with Patriot Exchange student program insurance, follow these steps:
Patriot Exchange Insurance is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.
Patriot Exchange student insurance is a health insurance plan offered by International Medical Group (IMG) designed for J1 and F1 visa holders, including international students, scholars, and their dependents in the United States. It provides comprehensive coverage for medical expenses, emergency services, hospital stays, and other health-related needs. The plan is specifically designed to meet J visa requirements, offering coverage that satisfies most U.S. university and government mandates. It also includes benefits such as a $5 copay for certain health center visits and coverage for accidents, illness, and medical evacuations.
IMG maintains when inside the U.S., the UnitedHealthCare options network which is a longstanding reputable tier one network that gives you more access to more doctors and services.
IMG maintains when inside the U.S., the www.firsthealthinternational.com which is a longstanding reputable tier one network that gives you more access to more doctors and services.
If you purchase Patriot Exchange health insurance program from IMG with a United Healtcare logo on your insurance card, please state the following when informing your healthcare provider about your IMG travel insurance - "My healthcare coverage uses the United Healthcare travel health insurance network."
When you get medical treatment in U.S. hospitals, you can reduce your out of pocket expenses if you use a Preferred Provider Organization (PPO) that is covered by the IMG insurance policy. PPO networks are an organized network of thousands of reputed well established, qualified medical practitioners and highly regarded hospitals in the US. Your insurance ID card will indicate the PPO network that you can use. The PPO directory is regularly updated; however it is possible to have changes between updates. To confirm that the physician you have selected is in the PPO network, please contact the physician's office to confirm their participation.
local_hospital Patriot Exchange student PPO network »IMG is an award-winning provider of global insurance benefits and assistance services. International Medical Group (IMG) has been in the international travel health insurance market for 27 years and the company has been providing excellent world class medical insurance plans during this time. IMG on average takes less than 30 days to settle its claims.
International Medical Group provides US citizens and non-US citizens with international insurance resources to ease the stress of an unfamiliar culture or medical system. Whether you need individual coverage for a vacation, or group coverage for employees in locations around the world. It has an IMG international travel insurance plan to meet your needs.
Patriot Exchange is available for 12 months and it can be renewed for 48 months.
Patriot Exchange is one of the best health insurance for f1 student's dependents which an F2 visa holder. The F2 visa holder can buy even if the corresponding F1 visa holder is not enrolled in the same plan.
Patriot Exchange Insurance is a medical insurance plan for students and cultural exchange participants. It has different coverage limits depending on the plan option you choose. The policy maximum choices are $50K, $100K, $250K, or $500K per injury/sickness. This plan offers Coinsurance 90% up to $10K, then 100% up to the policy maximum within the PPO network. Outside the PPO network, the plan pays 80% up to the policy maximum. Outside the U.S., the plan covers 100% up to the policy maximum.
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.
Read the article on insurance cover offered by Patriot Exchange insurance plan...
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