Health Insurance Requirements for J-1/J-2 Visitors
Whether you are a J-1 student or J-1 scholar at Widener University, health insurance coverage for yourself and all of your accompanying J-2 dependents is required throughout the period of your stay.
U.S. Dept. of State Required Health Insurance Coverage for J-1/J-2 Exchange Visitors
J-1s and any J-2 accompanying spouse and dependent(s) may also be subject to the requirements of the Affordable Care Act [22 CFR 62.14(a)] . Be aware that the ACA requirements may exceed the U.S. Department of State requirements.
Additional Health Insurance Information
Proof of insurance that meets the Department of State requirements must be provided by the international scholar upon request to ensure compliance with Federal Regulations governing the J-1 Exchange Visitor program.
U.S. Dept. of State Required Health Insurance Coverage for J-1/J-2 Exchange Visitors
J-1s and any J-2 accompanying spouse and dependent(s) may also be subject to the requirements of the Affordable Care Act [22 CFR 62.14(a)] . Be aware that the ACA requirements may exceed the U.S. Department of State requirements.
| Item | Minimum Requirement |
|---|---|
| Medical Benefit | $100,000 |
| Repatriation of Remains | $25,000 |
| Medical Evacuation | $50,000 |
| Deductible per accident | $500 |
- Covers pre-existing conditions after a reasonable waiting period
- May include provisions for coinsurance under the terms of which the Exchange Visitor may be required to pay up to 25% of the covered benefits per accident or illness
- Does not exclude benefits for perils inherent to the activities of the Exchange Visitor's program
- Any insurance plan must be:
- Underwritten by an insurance corporation having an A.M. Best rating of ‘‘A-’’ or above; a McGraw Hill Financial/Standard & Poor’s Claims paying Ability rating of ‘‘A-’’ or above; a Weiss Research, Inc. rating of ‘‘B+’’ or above; a Fitch Ratings, Inc. rating of ‘‘A-’’ or above; a Moody’s Investor Services rating of ‘‘A3’’ or above; or such other rating as the Department of State may from time to time specify;
- OR backed by the full faith and credit of the government of the exchange visitor’s home country;
- OR part of a health benefits program offered on a group basis to employees or enrolled students by a designated sponsor;
- OR offered through or underwritten by a federally qualified Health Maintenance Organization or eligible Competitive Medical Plan as determined by the Centers for Medicare and Medicaid Services of the U.S. Department of Health and Human Services.
Additional Health Insurance Information
Proof of insurance that meets the Department of State requirements must be provided by the international scholar upon request to ensure compliance with Federal Regulations governing the J-1 Exchange Visitor program.