Health Insurance

All J-1 visitors and their J-2 family members are required to have the following minimum health insurance coverage throughout their stay:

  • Medical benefits of at least $100,000 per accident or illness
  • Repatriation of remains in the amount of $25,000
  • Expenses associated with the medical evacuation of the exchange visitor to his/her country in the amount of $50,000
  • Deductible not to exceed $500 per accident or illness
  • Coinsurance not to exceed 25%
  • Backed by full faith and credit of a home country government or must meet minimum rating requirements established by the US government (A.M Best rating of “A‐” or above; Insurance Solvency International, Ltd. (ISI) rating of “A‐I” or above; Standard and Poor’s Claims‐paying ability rating of “A‐” or above; OR Weiss Research, Inc. rating of “B+” or above).

As an employee, you will be eligible to enroll in the Institute’s health insurance plan upon your start date with the Institute, which will meet this requirement. However, you may wish to purchase an interim health plan for your travel and any time spent in the U.S. before your VARI start date.

J-2 Dependents

If your J-2 dependents will arrive separately after your arrival and will reside with you in the U.S. for the duration of your stay, you will have only 30 days to enroll them in the Institute’s health insurance plan after their arrival.  Contact Pam Murray as soon as possible to add them to your insurance plan.

If your J-2 dependents will just visit you for a limited period of time and will not reside with you for the duration of your employment with the Institute, they will not be eligible to enroll in the Institute’s benefit programs. They will need to purchase health insurance coverage on their own and provide documentation of their health insurance coverage upon their arrival.  Please contact Deirdre Griffin for a current list of qualifying plans.