Health Insurance for J-1 Scholars
All J-1 Exchange Visitors in the U.S. must purchase medical insurance for themselves and their dependents for the duration of their stay which meets U.S. federal requirements [22 CFR 62.14]. New coverage requirements go into effect for any J-1 visa holder present on or after May 15, 2015.
J-1 and J-2 Health Insurance Requirements
- Medical benefits of at least US$100,000 per accident or illness;
- Repatriation of remains in the amount of US$25,000;
- Expenses for medical evacuation of the visitor to his/her home country in the amount of US$50,000;
- A deductible not to exceed $500 per accident or illness.
Coverage that includes costs associated with pregnancy are also strongly recommended.
All J-1 and J-2 visa holders will need to confirm that they have from home, or will purchase, health insurance coverage that meets these requirements to maintain their visa status. Upon arrival, ISSO will photocopy your health insurance provider information and confirm your coverage meets the minimum requirements. Maintenance of health insurance coverage, for oneself and dependent family members, is the responsibility of the J-1 Exchange Visitor.
Medical services in the United States are expensive. A trip to the emergency room or hospitalization can result in large bills for those without adequate health insurance coverage. If your dependent family members do not have sufficient medical insurance coverage from their home country that extends to the United States, they will need to purchase appropriate insurance to cover them while they are living in Massachusetts.
Short-term insurance plans can be purchased in a variety of plan lengths specifically for visiting the United States.
Those J-1 visa holders eligible for the Brandeis Employee Health Plan are reminded that those plans do not include coverage for the required medical evacuation and repatriation. The ISSO will provide information on a separate medical evacuation/repatriation "rider" (through an outside company, that the J-1 visa holder can enroll in on their own. The combination of the Brandeis Employee Health Plan and the medical evacuation/repatriation rider will, together, meet the J visa health insurance requirements.