Health Insurance Requirements - The most important facts that you should know.

​We know, that it’s difficult to understand the different requirements to insurance if you want to study in the USA. Therefore, we summarized the most important facts for you:

​J-Visa Health Insurance Requirements
As of May 2015, J-Visa holders and their dependents are required to have medical insurance coverage with the following minimum benefits: 

• Medical benefits of at least $100,000 per accident or illness 
• Repatriation of remains in the amount of $25,000 
• Expenses associated with the medical evacuation of the exchange visitor to his or her home country in the amount of $50,000 
• A deductible not to exceed $500 per accident or illness. 

All our Compass Student Insurance Plans meet these J-Visa Requirements.  

OPT and F1 Insurance Requirements
For OPT visa holders, there are no government-related health insurance requirements, however your school may have insurance requirements and also require you to purchase a school-sponsored insurance plan.

You should ask them about all the details about the medical insurance plan, including cost and detailed information about what will be covered and if dependents can be added (if that is relevant to you). You often have the option to waive the school-sponsored plan and purchase another insurance plan that you prefer which is more often a better value while still matching the requirements.

If you need help to understand your school’s insurance requirements or want to know if our plans fulfill all needed requirements, please send us an email to info@studenthealthusa.com.

ACA Requirements
Some schools also request that your insurance plan needs to be comparable to ACA (Affordable Care Act). Watch out for our next blog article, where we explain what ACA requirements are and how international students are affected by these.