Medical insurance for F2 visa holders, Health insurance for dependents of F1 visa

Find the best F2 visa health insurance coverage

Traveler's age
 
Spouse
No. of dependents under 18
Coverage limit
Deductible
Dates for coverage
Start Date:
End Date:  
Coverage Region
f2 visa insurance

Why is F2 visa health insurance necessary?

The F2 visa insurance is very important for dependents of F1 visa holders. When an F1 visa holder joins an US university, the F2 visa is issued to dependents (spouse and children less than 21 years). Typically US universities insist that F1 visa holder have proper student medical insurance offered by the college, however this requirement is usually not insisted on F2 visa holders either by the university or by the US immigration authorities.

Given the typical student budget of most F1 and F2 visa holders, and the fact that it is not mandatory, it is not uncommon to find them ignoring buying proper health insurance. However ignoring to buy F2 visa insurance can be a big mistake. In our experience, the F2 visa holders are typical children quite likely to need healthcare or even a young spouse who along with regular health care might need maternity coverage. Given the very high cost of US healthcare, it is really prudent to have adequate health insurance for F2 visa holders (health insurance for spouse visa).

The student insurance offered by many US universities are expensive but since it is often mandatory, F1 visa holders have to buy the University student insurance. This is often not the case for F2 visa insurance, and the F2 visa holder can buy other medical insurance outside of the University option. Here at American Visitor Insurance we offer affordable health insurance for F2 visas or spouse visa insurance. Patriot Exchange is one student medical insurance plan which an F2 visa holder can buy even if the corresponding F1 visa holder is not enrolled in the same plan. Along with this Patriot exchange student insurance, F2 visa holders can also buy other US visitor medical insurance plans which are affordable and work well for F2 visa holders. F2 visa holders can buy the most appropriate health insurance plan to their specific needs by comparing different US health insurance options.

What is the best insurance for f2 visa holder?

There is no single plan which fits the bill for the being the best health insurance for F2 visa holders. The most suitable F2 Visa Medical Insurance for different customers will depend on several factors such as the budget and any existing medical ailments. However the Patriot Exchange student insurance offered by International Medical Group (IMG) is the only student medical insurance plan that F2 visa holders can buy even if the related F1 visa holder is not insured on this plan. All other student insurance plans will be available to F2 visa holder only if the F1 visa holder is also on the same student insurance policy. However F2 visa holders are eligible to buy US visitor medical insurance which work quite well for their needs.

US Medical insurance for spouse visa

Health Insurance is essential not just for F1 visa holders but also for F2 Visa holders (dependants of F1 visas). The Affordable care act, commonly known as Obamacare in fact makes it mandatory for everyone in the US to have health insurance. Even though the new Trump administration has removed the individual mandate, this comes into effect only on 31st December 2018. However F1 and F2 visa holder are not expected to satisfy Obamacare unless living in the US for more than Five years.
Irrespective of the individual mandate, it is too risky to not have proper health insurance given the high cost of US healthcare. It is therefore strongly recommended to have proper medical insurance coverage for the spouse or children of an F1 visa holder. The plans that we offer do not satisfy ACA requirement but are designed for F2 visa holders to help them handle high US healthcare costs, especially in emergency medical situations.


Popular Plans

Comprehensive plans  pays for all expenses after the deductible and co-insurance component and are recommended given the high costs of health care in the US.
Comprehensive
  • Maximum coverage
  • Deductible
  • Waiver of Pre-existing coverage of $25,000 for persons under 69 years.

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Comprehensive
  • Maximum coverage
  • Deductible
  • Pre-Existing Cover

    Great coverage for a great price. Offers coverage for pre-existing conditions.


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Comprehensive
  • Maximum coverage
  • Deductible
  • Always eligible for purchase no matter what age and how long a person has been in the US

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Fixed benefits plans  have specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan medical maximum.
Fixed
  • Maximum coverage
  • Deductible
  • Covers pre-existing condition up to policy maximum.

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Fixed
  • Maximum coverage
  • Deductible
  • High maximum available.

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Fixed
  • Maximum coverage
  • Deductible
  • Pre-existing conditions covered as any other for persons under 70

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Fixed
  • Maximum coverage
  • Deductible
  • High maximums available for older individuals

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student

28 Oct

F2 Visa Insurance Blog by Christina Longbrake
We get many international student customers that are interested in purchasing insurance for a dependent while they are on an F1 visa. The dependent, on F2 visa, can purchase insurance for themselves.
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F2 visa Information

The F2 visa is issued for dependents of F1 visa international students in the USA. This can be for a spouse or for minor children. As long as the F1 visa holder remains in the USA legally the dependents with the F2 visa can also stay in the US. In other words, the F2 visa status is not valid once the principal F1 visa holder loses his or her legal visa status. The law does however allow F2 visa holders to change their status within the country.

One can enjoy the following privileges on the F-2 visa

  • F2 visa holders are entitled to enter the country with his/her spouse or join him/her later.
  • Dependents with F2 visa can travel in and out of the country or stay in the US as long as the principal applicant F1 visa holder's status remains valid.

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Documentation

A valid passport.
F2 visa applicants must prove with documents that there is sufficient financial resources to meet their expenses while in the USA. Example; bank statements, affidavits of support.
A valid Form I-20 or DS-2019. Submit this form to the International Office with all required certification. The issue date on these forms needs to be after the date of marriage in order for the spouse to apply for a visa.
A marriage or birth certificate showing the relationship to the F-1 student.
f2 visa insurance
Restrictions

  1. Employment Regulations - F2 visa holders in the USA can not accept employment and earn income. In case the F2 visa holder wants to work in the US then he/she will have to get a work visa. With the work visa they can get a temporary approval to live and work in the US. It is illegal for foreigners to work in the USA without proper visa and will be expelled from the country.
  2. Studying on a F2 visa - F2 spouse are not supposed to join full time university in the USA or any part time courses toward completion of degree. F2 children are allowed to participate in full-time elementary or secondary study (kindergarten through 12th grade.)

F2 visa medical insurance information

Resourceful Health Insurance for F2 visa medical insurance

Resources

F2 Visa Medical Insurance resource

Health Insurance for F2 Visa Holders while in the US.


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Factors

Medical Insurance for F2 Visa insurance factors

Important factors to consider while buying health insurance for F2 visa holder

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comparison

Types of Insurance for F2 visa

Understanding different types of US F2 visa medical insurance options, fixed benefits vs comprehensive coverage.

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Claims Procedure

F2 visa insurance claims procedure

Information for F2 visa holder insurance claims process.


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