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.

Medical Benefits
$50,000 per illness or accident
Deductible
Cannot exceed $500
Repatriation 
(return of your remains upon death)
$7,500
Medical Evacuation
$10,000

If you need to purchase health insurance…

If you do not bring health insurance with you from your home country and do not or cannot subscribe to an insurance plan offered by the University, you can investigate the companies listed below.  From these sites, you can print a brochure, send an email or enroll, if you choose to do so.

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 another plan until that date.  Remember, you must have health insurance that covers you beginning on your arrival date in the U.S.  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.  See below for a listing of insurance providers. 

Also, be aware that Plan C offered by K-State does not meet the minimum requirements of the U.S. Department of State.

Insurance Providers
Please note:  ISSS does not endorse or recommend any one insurance provider over another.  Be sure to investigate thoroughly your options.  You can also do your own internet search by looking for “insurance for foreign visitors.”

 

Name of Company

Web Address

Providers that offer plans for Repatriation

& Evacuation only

BETiNS

www.BETiNS.com

X

Cultural Insurance Services International

www.culturalinsurance.com/students/

 

Compass Benefits Group

www.compassbenefits.coml

X

FrontierMEDEX

http://www.medexglobal.com/

X

Gallagher Koster

Gallagherkoster.com

 

Gateway

http://www.gatewayplans.com/#

 

The Harbour Group

http://www.hginsurance.com/

X

HTH Worldwide

www.hthworldwide.com

 

International Medical Group

www.imglobal.com

X

Rust and Associates

www.rustinternational.com

X

Wallach & Company, Inc

http://www.wallach.com/

 

 



[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.

WILL THE INSURANCE PROVIDED THROUGH MY DEPARTMENT BE SUFFICIENT?

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 and Repatriation, which is required by the U.S. Department of State. Therefore, you must purchase this coverage separately.

Themedical 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. 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.

ISSS works with a local insurance broker to provide you with an option of purchasing Repatriation and Medical Evacuation as a separtate plan. 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 a separate 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.