J1/J2 Visa Exchange Visitor Medical Insurance

Medical insurance for exchange visitors to the U.S. on a J visa.

J visa medical insurance is required if you are visiting the U.S. on a J-1 visa or a J-2 visa as an exchange visitor or research scholar, or if you are inviting someone in that capacity. All of the insurance plans listed below meet the standard J1 visa medical insurance requirements set by the U.S. Department of State. Some of the J-1/J-2 visa medical insurance plans are extendable while other plans are not. Most of the plans are comprehensive coverage plans, while others a few are fixed coverage plans. You should choose your J1/J2 visa medical insurance carefully as all of the plans offer different benefits.

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Best Sellers

Best Sellers

Comprehensive Coverage Plans

Recommended (Why?)
Comprehensive

Patriot Exchange Program℠

Underwriter: SiriusPoint Specialty Insurance Corporation

Coverage Availability 1 Month to 4 Years

Quotes & Purchase

Overview

Within PPO network: After deductible, plan pays 90% up to $10,000, then 100% up to the policy maximum.
Outside PPO network: After deductible, plan pays 80% up to the policy maximum.
Outside US: After deductible, covers at 100% up to the policy maximum.

Direct Billing

Through United Healthcare PPO Network
  • US Urgent Care
    $50 copay, unless $0 deductible
  • Walk-In Clinic
    $20 copay, unless $0 deductible
  • Student Health Center
    $5 copay, deductible waived
  • COVID-19
    Included

Plan Details

ExchangeGuard®

Underwriter: Lloyd's

Coverage Availability 5 Days to 4 Years

Quotes & Purchase

Overview

After deductible, pays 100% to policy maximum, or
After deductible, pays 80% to policy maximum.
Outside PPO Network: After deductible, pays Usual, Reasonable, and Customary to policy maximum.

Direct Billing

Through United Healthcare PPO Network
  • US Urgent Care
    $15 copay, unless $0 deductible
  • Walk-In Clinic
    $15 copay, unless $0 deductible
  • Student Health Center
    To policy maximum
  • COVID-19
    Included

Plan Details

Student Health Advantage℠

Underwriter: SiriusPoint Specialty Insurance Corporation

Coverage Availability 1 Month to 5 Years

Quotes & Purchase

Overview

Within PPO network: After deductible, plan pays 90% up to $10,000, then 100% up to the policy maximum.
Outside PPO network: After deductible, plan pays 80% up to the policy maximum.
Outside US: After deductible, covers at 100% up to the policy maximum.

Direct Billing

Through United Healthcare PPO Network
  • Student Health Center
    $5 Copay
  • COVID-19
    Included

Plan Details

StudentSecure®

Underwriter: Lloyd's

Coverage Availability 1 Month to 4 Years

Quotes & Purchase

Overview

Within PPO network:
Elite: After copayments, plan pays 80% up to $10,000, then 100% up to the policy maximum.
Select: After copayments, plan pays 80% up to $25,000, then 100% up to the policy maximum.
Budget: After copayments, plan pays 80% up to $45,000, then 100% up to the policy maximum.
Smart: After copayments, plan pays 80% up to $100,000, then 100% up to the policy maximum.

Direct Billing

Through United Healthcare PPO Network
  • US Urgent Care
    $30, $50, $75, or $100 copay. $60, $100, $150, or $200 copay outside PPO.
  • Student Health Center
    $10 or $25 copay
  • COVID-19
    Included

Plan Details

Atlas America®

Underwriter: Lloyd's

Coverage Availability 5 Days to 12 Months

Quotes & Purchase

Overview

After deductible, pays 100% to policy maximum.

Direct Billing

Through United Healthcare PPO Network

Acute onset of pre-existing conditions

coverage to policy max for ages <80

Coverage to policy max for ages <80 Learn More coverage to policy max for ages <80 Learn More
  • US Urgent Care
    $15 copay, unless $0 deductible
  • Walk-In Clinic
    $15 copay, unless $0 deductible
  • COVID-19
    Included

Plan Details

Atlas Essential America

Underwriter: Lloyd's

Coverage Availability 5 Days to 12 Months

Quotes & Purchase

Overview

After deductible, pays 70% to policy maximum.
Outside PPO network: After deductible, pays Usual, Reasonable, and Customary out of network to policy maximum.

Direct Billing

Through United Healthcare PPO Network
  • US Urgent Care
    $15 copay, unless $0 deductible.
  • Walk-In Clinic
    $15 copay, unless $0 deductible.
  • COVID-19
    Included

Plan Details

Atlas Premium America

Underwriter: Lloyd's

Coverage Availability 5 Days to 12 Months

Quotes & Purchase

Overview

After deductible, pays 100% to policy maximum.

Direct Billing

Through United Healthcare PPO Network

Acute onset of pre-existing conditions

coverage to policy max for ages <80

Coverage to policy max for ages <80 Learn More coverage to policy max for ages <80 Learn More
  • US Urgent Care
    $15 copay, unless $0 deductible
  • Walk-In Clinic
    $15 copay, unless $0 deductible
  • COVID-19
    Included

Plan Details

Fixed Coverage Plans

Limited Coverage (How?)
Fixed

VisitorSecure®

Underwriter: Lloyd's

Coverage Availability 5 Days to 364 Days

Quotes & Purchase

Overview

After deductible, pays fixed amounts as per schedule of benefits.

Direct Billing

Depends upon provider No PPO. No contracted rates.

Acute onset of pre-existing conditions

coverage up to the policy maximum or $100,000, whichever is lower, for ages <70

Coverage up to the policy maximum or $100,000, whichever is lower, for ages <70 Learn More coverage up to the policy maximum or $100,000, whichever is lower, for ages <70 Learn More
  • COVID-19
    Included

Plan Details

Medical Evacuation and Repatriation Only Plans

Evacuation/Repatriation

Notes

Notes

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