Insurance Plans for J Visa Scholars
They can optionally be upgraded with extensive virtual healthcare services, such as Telemedicine, Teletherapy and 24/7 Student Crisis Assistance.
J-Superior Plan
- Annual maximum: Unlimited
- Max per Injury/Sickness: $500,000
- Deductible per policy year: $90
- Unlimited Preventive Care
- $500,000 maximum per Injury / Illness
- $90 deductible per Policy Year
- Office Visit Copay $30
- Student Health Center no deductible/copay/coinsurance
- Coinsurance 80%/75%
- Out-of-Pocket maximum $2,000
- Pre-Existing covered after 180 days
- Preventive/Well Care unlimited
- Mental Health covered like any other Sickness
- Substance Abuse covered like any other Sickness
- Pregnancy Covered (with respect to dependents subject to 10 month waiting period prior to conception)
- Motor Vehicle Accident covered
- Oral Contraceptives covered
- Medical Evacuation $Unlimited
- Repatriation of Remains $Unlimited
- A.M. Best Rating: A (Excellent)
- Utilizes United Healthcare PPO Network
All benefits listed for Participants and In-Network Providers. This is only a summary of benefits. Please see policy below for full details.
Download full policy (PDF)
J-Enhanced Plan
- Annual maximum: Unlimited
- Max per Injury/Sickness: $300,000
- Deductible per Policy Year: $250
- Unlimited Preventive Care
- $300,000 maximum per Injury / Illness
- $250 deductible per Policy Year
- Office Visit Copay $30
- Student Health Center no deductible/copay/coinsurance
- Coinsurance 80%/75%
- Out-of-Pocket maximum $5,000
- Pre-Existing covered after 180 days
- Preventive/Well Care unlimited
- Mental Health covered like any other Sickness
- Substance Abuse covered like any other Sickness
- Pregnancy limited to $7,500 normal delivery; $10,000 Cesarean Section (Conception must occur while coverage in force for participants & spouse
- Motor Vehicle Accident covered
- Oral Contraceptives covered
- Medical Evacuation $100,000
- Repatriation of Remains $50,000
- A.M. Best Rating: A (Excellent)
- Utilizes United Healthcare PPO Network
All benefits listed for Participants and In-Network Providers. This is only a summary of benefits. Please see policy below for full details.
Download full policy (PDF)
J-Benchmark Plan
- Annual maximum: Unlimited
- Max per Injury/Sickness: $100,000
- Deductible per Injury Illness: $100
- No Coinsurance
- $100,000 maximum per Injury / Illness
- $100 deductible per Injury / Illness
- Student Health Center no deductible/copay/coinsurance
- Coinsurance 100%/100%
- Out-of-Pocket maximum unlimited
- Pre-Existing covered after 365 days
- Motor Vehicle Accident covered
- Oral Contraceptives covered
- Medical Evacuation $50,000
- Repatriation of Remains $25,000
- A.M. Best Rating: A (Excellent)
- Utilizes United Healthcare PPO Network
All benefits listed for Participants and In-Network Providers. This is only a summary of benefits. Please see policy below for full details.
Download full policy (PDF)
J-Savings Plan
- Annual maximum: Unlimited
- Max per Injury/Sickness: $100,000
- Deductible per Injury/Illness: $500
- MVA covered up to: $100,000
- $100,000 maximum per Injury / Illness
- $500 deductible per Injury / Illness
- Student Health Center no deductible/copay/coinsurance
- Coinsurance 80%/75%
- Out-of-Pocket maximum unlimited
- Pre-Existing covered after 365 days
- Motor Vehicle Accident covered
- Oral Contraceptives covered
- Medical Evacuation $50,000
- Repatriation of Remains $25,000
- A.M. Best Rating: A (Excellent)
- Utilizes United Healthcare PPO Network
All benefits listed for Participants and In-Network Providers. This is only a summary of benefits. Please see policy below for full details.
Download full policy (PDF)
Need a doctor or therapist – without extra cost?
Add Virtual Healthcare Services to your plan and skip the deductible! Talk to a doctor or mental health provider anytime – with no out-of-pocket costs, no exclusions, and no claims to file.
More about it
J-1 Scholar Health Insurance –
Fully DOS compliant from day one
Starting your academic mission in the U.S. means stepping into new challenges – including your health coverage.
If you’re coming as a J-1 Scholar, you’re required to carry specific health insurance coverage to meet U.S. Department of State regulations.
You need insurance that not only protects your health but also meets federal requirements and fits your personal needs – possibly for yourself and your family.
Good to know…
Here are a few key points about health insurance for J-1 Scholars.
Understanding these can help you stay compliant and protected during your time in the U.S.
Do I really need insurance as a J-1 Scholar?
Yes – the U.S. Department of State requires all J-1 visa holders to maintain insurance that meets specific minimum standards. Without it, your sponsor is required to end your program.
What are the minimum coverage requirements?
You must have:
• $100,000 per accident or illness
• Medical evacuation: $50,000
• Repatriation of remains: $25,000
• A deductible no higher than $500
These must be in effect from day one of your program. Read more
What about my spouse and children?
If your spouse or children hold J-2 visas, they must be covered by insurance that meets the same requirements. Our plans offer flexible family coverage options.
Can I use my university’s plan?
Sometimes – but many university plans are for enrolled students only. Scholars often need to purchase their own separate coverage.
Do I need coverage before I arrive?
Yes – your insurance should begin on or before your program start date (DS-2019). You may need to show proof when applying for your visa or checking in with your sponsor.
What happens in an emergency?
Our plans offer access to nationwide PPO networks, so you can get care quickly – and you can include extensive virtual healthcare services for non-urgent issues.
• $100,000 per accident or illness
• $50,000 medical evacuation
• $25,000 repatriation of remains
• A deductible no higher than $500
• Insurance Provider Rating A- or higher (A.M. Best or equivalent)
See all J visa-specific requirements here
