Patriot Exchange insurance forum
Hello American Visitor Insurance,
Thank you for the information. I have some questions to ask about the patriot-exchange plan and other things as below:
- When I check the link about the price, there are several options for my daughter. The one you recommended on phone is $724.32 (covering for 1 year). The last option I saw is $763.92. What are the differences between these two options?
- As my daughter will stay with me until I finish my study, can I buy the health insurance for her annually? Or does the US government require her to have the health insurance coverage from the start to the end of her visa? This will affect my decision.
- Any other options or adds-on for her general dental cost? If you have any suggestions, please let me know.
Aranya
Dear Aranya,Thank you for contacting us for your insurance needs. The policy below is an excellent option for the J visa holder and/or their dependents. 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. It satisfies J visa and most US university requirements and is hugely popular. It is also a policy which a J2 visa holder can purchase without the J1 visa holder as the primary insured. 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.
For information on the plan, including brochure and cost, please visit the below link :
- When I check the link about the price, there are several options for my daughter. The one you recommended on phone is $724.32 (covering for 1 year). The last option I saw is $763.92. What are the differences between these two options?
Answer:The other options have different maximums and some have additional add ons for sports coverage and personal liability. You probably don't need that additional coverage. - As my daughter will stay with me until I finish my study, can I buy the health insurance for her annually? Or does the US government require her to have the health insurance coverage from the start to the end of her visa? This will affect my decision.
Answer:Heath insurance can only be purchased one year at a time. I don't know the government requirements, but I doubt they will require more than a year's coverage since this is just not available. Perhaps when you renew your visa, they will want to see the next years coverage. You will have to ask them for that information as I don't know their procedures (only what they require in the insurance). - Any other options or adds-on for her general dental cost? If you have any suggestions, please let me know.
Answer:There are no plans which cover dental costs. These plans are usually long term for permanent residents. However, what you can do is find a dentist that will take new patients and simply ask how much they will charge you for your daughter. Explain you do not have insurance and they will often reduce the price for you (like they do for the insurance companies). This is what I did before I had any dental insurance (many people do not have this).
www.americanvisitorinsurance.com
Customer care
877 340 7910
Hello,
I am a J1 scholar in Washington State University. My current policy number is EPSNI81156524 (product name: Patriot Exchange ProgramSM).
But according to the new USDOS requirements, I have to increase the coverage of medical benefits.
Could you tell me how to update my policy with the new amounts?
Thank you!
Jun Li
Dear Jun,
Thank you for contacting us at American Visitor Insurance for your US visitor health insurance needs!
Please send your request to update your plan to: IMG Cancellation
On your letter to IMG, please state the following "Please upgrade my plan to the $100,000 plan to meet J visa requirements." Indicate the date of which you want the new coverage to begin and authorization them to charge the credit card on file for difference in premium.
Please let us know if we can help you in any further.
Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910
Hi,
I want to buy a medical coverage on your website: Buy Patriot Exchange Insurance But I have a few questions for Add-On Plan. Could you tell me details about this one and PEP. I am a J-1 holder. Thank you.
Sincerely,
Lan Liao
Dear Lan,
Here is the detail of that Optional Add on Plan:
- Baggage:
- Loss/theft of baggage Rider: $250
- Loss/theft valuables: $250
- Loss/theft personal papers: $250
- Legal Assistance:
- Binder Fee: $500 when served with summons
- Personal Liability:
- Injury to third party: $2000 limit after $100 deductible
- Damage to third person property: $500 limit after $100 deductible. Secondary to any insurance in force
- Limited High School Sports Coverage: Usual, Reasonable and Customary charges for eligible expenses
You can go here to see all the options and pricing for the plan:
Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910
My Dear,
My name is Lan Liao, I am one of your clients, I have been told that perhaps my health insurance coverage that don't meet US Department of State minimum requirements as of 5/14/2015. My Certificate Number is PATAI81232076, and my insured ID is 82149656.
Thank you wery much,
Lan Liao
Dear Lan Liao,
Thank you for contacting us at American Visitor Insurance for your J1 Visa Insurance for your travel health insurance needs! Your current insurance plan, certificate number PATAI81232076 does not meet the new visa requirement. Therefore, you need to cancel this plan and buy the Patriot Exchange from IMG. You may send in your request of cancellation at: cancel_@_imglobal.com. Cancellation fee will be waived and you will get 8 months worth of premium back.
Here are the links for
Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910
Hi,
I am on J1 Visa and I have an insurance plan from my institution. My son who is 12 years old is on a J2 Visa and I am interested to purchase Patriot Exchange plan for him. He has been here with me for almost 8 months now in USA. Can you please let me know if this is a good plan for him?
Thanks,
Qi
Dear Qi,
Thank you for contacting us for your insurance needs.
As long as your son has been covered previously by another international health insurance plan he would still be eligible to purchase the International Medical Group (IMG) Patriot Exchange plan whose details are given below.
Please let us know if he was not covered by an international health insurance plan previously so that we can provide possible alternative options for your son.
The Patriot Exchange insurance plan offered by International Medical Group (IMG) provides comprehensive insurance for J1 visa scholars in the USA. It satisfies J1 visa and most US university requirements and is hugely popular.
Feel free to call or email us with any questions or comments you may have.
Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910
Hello again,
My son came to USA in March. I bought The Patriot Exchange insurance plan offered by International Medical Group (IMG) for him from Apr. to Oct. and stop for about 50 days. Can I buy this plan for him again now? He has health insurance in China, but I am not sure if it is international. Also I am interested in purchasing Patriot America Lite. Is it different from Patriot Exchange? Is my son eligible for the Patriot America Lite plan?
Thanks,
Qi
Dear Qi,
Yes you can purchase the Patriot Exchange plan again for your son. Please visit here to purchase the plan:
Since you already have a plan from your institution and since your son is on J2 Visa which is a dependent Visa, if you are very much interested in the Patriot America Lite plan, please go ahead and purchase it.
Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910
Patriot Exchange Insurance Blog
Read the article on insurance cover offered by Patriot Exchange insurance plan...
Read more »Patriot Exchange vs Student Health Advantage
Compare and review the plans benefits of student insurance plans...
Read more »Patriot Exchange Student Insurance - FAQ's
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.
Patriot Exchange is designed for individuals and groups of students studying abroad or participants of cultural exchange programs. Most plan options are designed to meet the U.S. J1, J2 and F1 visa travel insurance requirements.
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.
Patriot Exchange student insurance Cost
| Students Age | Maximum $50K | Maximum $100K |
|---|---|---|
| Under 18 years | $56 | $65 |
| 18 - 24 | $56 | $65 |
| 25 - 30 | $74 | $85 |
| 31 - 40 | $74 | $85 |
| Buy now shopping_cart | ||
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