J2 Visa Insurance Forum

Hello there,
I am a 40-year-old J-1 visa scholar. I have a wife who is 38 years-old and has L-1A visa and her own health insurance via her employer now. However, she will leave the company on 3/31/2019 and is pregnant. Therefore, she will apply for a J-2 visa and subscribe to the health insurance which covers the period from 4/1/2019 to 9/30/2019. Could you make sure whether your plan meets the following conditions?

    Required Coverage:
    1. $100,000 USD per accident & illness in medical coverage.
    2. Deductible cannot exceed $500 USD per accident or illness.
    3. Coinsurance cannot exceed 25%.
    4. Medical evacuation coverage must be at least $50,000 USD.
    5. Repatriation coverage must be at least $25,000 USD.
    6. Pre-existing conditions must be a covered benefit. The waiting period for benefit coverage cannot exceed 12 months.
      Please note:Policys with coverage for only Acute onset of pre-existing conditions do not meet this requirement.
    7. Carrier must be at least A-rated or backed by the full faith and credit of the Exchange Visitors government.

Thank you for your consideration. I am looking forward to hearing from you.
Akihiro Shimomura,


Dear Akihiro,
We do have insurance to cover J1 visa holders. However, no visitor (or J visa) plan will cover pre-existing conditions and certainly not the wellness visits needed for a pregnancy and delivery. The best option that I can think of is to extend the coverage she has now through her employer. This is a right from the HIPAA law (not sure if it applies to non-US citizens, but you can give it a shot). It allows you to continue to purchase the same insurance plan; however, the employer may no longer pay any subsidy (and can charge you 10% fee) so the cost may be higher than she was paying previously. However, that way you can get a pregnancy covered that started under that plan. This is the only way that I can think of that she can have coverage for her pregnancy.

If that previous plan does not meet all the details of the J requirement (it may not have repatriation and emergency medical evacuation); we do offer a product that ONLY covers that component, so you would not have to pay much more to meet additional requirements. You can find information on that policy here:

trawick international Logo      Plan Details       Buy Now      Brochure

Otherwise, you will have to pay out of pocket for all maternity costs for your wife and child. Most visitor policies will allow a child 14 days old to be added to the plan, but all care before that will also be out of pocket and plans generally do not cover wellness.
You can compare J visa coverage plans here, but note that they do not cover pre-existing conditions with no waiting period and they will ALL exclude a pregnancy that started before the start date of the policy.

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Do let us know if you have further questions or concerns.

Sincerely,
Customer care
+1 (877) 340 7910

Dear Sir/Madam,
I am a J1 visa holder, who got the A.S.P.E. health insurance and I would like to get insurance for my daughter (7 year-old) for the whole period and for my husband (41 years old) - starting with 3 months and then with add-on. However, I am not sure if I meet your following criteria "J2: applicant is only eligible for this plan if the J1 visa holder has purchased a plan through his or her education or cultural program". Do u have any other suggestion ?I'd like to know more about having children for free.
Could you please clear that up, considering I have A.S.P.E.?
Yours faithfully,
Ana Nascimento


Dear Ana,
Thank you for contacting us at American Visitor Insurance for your travel health! I am guessing that as a J1 visa holder, you have medical coverage through your institution. If that is the case, then you can purchase the Patriot Exchange by IMG. Please note that you will not be able to change anything with the coverage such as "add on"

Patriot Exchange Logo      Plan Details      Buy Now      Brochure

If you are purchasing the policy for different dates for your husband and child then in your case you are going to have to purchase separate policies for your husband and child (so no one will be free) since they have different travel dates. The best policy is probably the Patriot Exchange with no coinsurance payment (Atlas has a 20% coinsurance outside their PPO network - that is a group of hospitals/doctors they work with - or 0% in their network). It's up to you which you think will be best. The Atlas plan can be purchased for however many days you need while the Patriot Exchange must be purchased for whole months only.
Here is our information on the Atlas plan from HCCMIS for your reference:

Atlas America Logo      Plan Details      Buy Now      Brochure

If you have further questions, please let us know. We are here to try to make this as clear and easy for you as possible!

Regards,
Customer care
+1 (877) 340 7910

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Forum Entries x
  1. J1 Visa Insurance Forum
    1. J2 Visa Insurance
    2. Study USA Insurance
    3. Patriot Exchange
    4. Family
    5. Maternity
    6. Evacuation-Repatriation Insurance
    7. University Insurance
  2. Student Insurance Forum
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    4. Student Health Advantage
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    6. OPT Insurance
    7. F2 Visa Insurance
  3. Adventure Sports Coverage
    1. Motorcross Coverage
  4. H1/H4 Visa Insurance Forum
  5. K1 Visa Insurance Forum
  6. International Health Insurance Forum
  7. Green Card Holders
  8. Schengen Visa Insurance Forum
  9. Insurance Cancellation Forum
  10. Insurance Clarification Forum
    1. Buying Insurance
    2. Coverage
    3. Renewal
  11. Direct Billing & Claims Forum
  12. Safe Travel Forum
  13. J1, J2 Visa Insurance FAQs
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