Health Insurance for J-1 Scholars/Professors
The U.S. Department of State requires all Exchange Visitors to have health insurance that meets its minimum requirements.
J-1 Exchange Visitors must maintain adequate health insurance for themselves and all accompanying dependents throughout their entire stay in the U.S. Failure to do so causes the scholar and his or her dependents to be "out of status" and the scholar may be removed from the J-1 program. Minimum insurance requirements are listed below.
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Medical Benefits
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$50,000 per illness or accident
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Deductible
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Cannot exceed $500
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Repatriation
(return of your remains upon death) |
$7,500
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Medical Evacuation
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$10,000
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If you need to purchase health insurance…
International Student and Scholar Services (ISSS) works with a local insurance broker to provide you with a convenient option. You can get a quote on the cost and/or purchase insurance with International Medical Group at
https://purchase.imglobal.com/Quote/student_health_advantage/pre-quote?imgac=187176.
It is recommended that you enroll your spouse as an individual and not include him or her on your insurance.
If you need assistance or have questions regarding this insurance, you can email Jeff Keller at jeff.keller@windmillbenefits.com. An information brochure has been provided. You can enroll in this plan prior to your arrival or up to 30 days after your arrival. However, the insurance must begin the date you arrived in the U.S.
One of the advantages of purchasing the International Medical Group health insurance plan is that Mr. Jeff Keller is locally available to answer any of your questions regarding the insurance plan, help with finding a physician, and can assist with filing insurance claims.
Please note that you are not obligated to purchase this particular plan. A listing of other insurance providers is below. You may compare this with other plans so long as the other plans meet the minimum requirements of the U.S. Department of State.
If you will receive health insurance through Kansas State University…
This insurance is not available until the first of the month following 30 days of employment and therefore you will need to enroll in the other coverage until that date. In addition the insurance provided by Kansas State University does not include Evacuation[1] and Repatriation[2], which is required by the U.S. Department of State. Therefore, you must purchase this coverage separately.
ISSS works with a local insurance broker to provide you with an option. You can get a quote on the cost and/or purchase the medical evacuation and repatriation through Sky Rescue at
https://purchase.imglobal.com/Quote/sky_rescue/pre-quote?imgac=187176.
If you have any questions, on the Sky Rescue plan, please contact Jeff Keller at jeff.keller@windmillbenefits.com.
Below is a listing of additional insurance providers that have plans for J-1 Scholars/Professors.
BETiNS*
Cultural Insurance Services International
CMI Insurance Worldwide*
Compass Benefits Group*
The Harbour Group*
International Student Insurance
Gateway
Rust and Associates*
United Healthcare (Application forms and brochures available at International Student and Scholar Services)
Wallach & Company, Inc
*These companies offer plan for just Repatriation and Medical Evacuation.
[1] The medical evacuation coverage provides benefits for transportation in the event the insured suffers a medical emergency and adequate medical facilities are not available nearby. It’s important to understand that this coverage is not medical coverage. Instead, it is coverage for medically necessary transportation.
[2] Repatriation coverage means that the insurance company arranges for and handles the transportation necessary to return a covered person’s body to his or her home in the event of death.