Introduction to J2 Insurance
J2 visa insurance is mandatory for all J2 visa holders and it must meet the insurance requirements set by the U.S. Department of State. Typically, J2 dependent insurance is provided by insurance companies only when J1 visa insurance is purchased from the same company. However, some companies allow standalone J2 visa insurance to be purchased. For example, ExchangeGuard and Atlas America are some of the plans available for J2 visa holders to enroll into independently.
What is a J2 Visa?
The J2 visa is a nonimmigrant visa that allows the spouse and unmarried dependent children under the age of 21 years to accompany the J1 visa holder to the United States.
J2 Visa Insurance Requirements
J2 visa holders must purchase a compliant insurance plan that meets the minimum requirements for J2 visa insurance, which are the same requirements as a J1 visa insurance. These requirements include:
- $100,000/incident in medical maximum
- $50,000 emergency medical evacuation
- $25,000 repatriation of remains
- Deductible not to exceed $500
Difficulties for J2 Visa Holders
Many J1 visa holders can get their insurance through the sponsoring organization. However, more and more organizations such as schools or universities are not allowing J1 visa dependents to enroll into the same plan. Because of this, J2 visa holders must look for alternative, private insurance.
Some J2 visa holders can get a work permit and are authorized to work during their stay in the US. They may be able to enroll in their employer's group health insurance. Of course, the vast majority of other dependents must purchase J2 visa insurance on their own.
Some J1 visa insurance plans don't allow dependents to be added. Additionally, some plans allow J2 visa holders to purchase only if the J1 visa holder purchases the insurance from the same company or through their sponsoring organization. If a J1 visa holder purchases private insurance from another company, J2 visa insurance options may be restricted.
Solution
Fortunately, there are several J2 visa medical insurance plans available on this website. You can get instant quotes, compare the plans side-by-side, and make an instant purchase. If you are wondering about J2 visa health insurance cost, it will vary depending upon the plan. After purchasing the insurance, you can send us the waiver form and we will get it completed promptly.
If your sponsoring organization has additional requirements beyond the U.S. Department of State mandates, you should send us the waiver form before you purchase. We will review the requirements and suggest the most suitable plan for your needs right away.
Evacuation and Repatriation-Only Insurance
If the sponsoring organization of the J1 visa holder provides medical insurance to the J2 visa holder that does not include coverage for the evacuation and repatriation required by the US State Department to meet J visa insurance requirements, you will need to purchase standalone medical evacuation and repatriation insurance. It is a very affordable, low-cost plan that can be purchased by J1 visa holders and/or J2 visa holders to meet J visa insurance requirements.
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