Federal law requires that all persons in J-1 and J-2 status maintain adequate health insurance for the duration of their stay in the United States.
Regardless of immigration status, due to the high cost of medical care in the U.S., it is important to have health insurance coverage for oneself and any dependents.
Minimum Federal Requirements for Health Insurance for Persons in J-1 and J-2 Status*
- Accident/illness coverage of at least $100,000 per incident
- Repatriation coverage of at least $25,000
- Medical evacuation coverage of at least $50,000
- Per incident deductible of not more than $500
- Any health insurance policy must also cover maternity/pregnancy.
- The policy must be underwritten by an insurance carrier with an AM Best rating of A- or above,
an Insurance Solvency International, Ltd (ISI) rating of "A-I" or above, a Standard and Poor's Claims Paying Ability rating of "A-" or above, or a Weiss Research, Inc. rating of "B+" or above
*Minimum insurance requirements increase effective May 15, 2015. The amounts listed above are the new minimum requirements for anyone present here in J-1 status after May 15, 2015.
Options for persons employed by William and Mary
Insurance options for William and Mary full time employees can be found on the Human Resources website. Full time employees must see Human Resources to select and If you are insured under W&M employee health insurance plan, you must still purchase additional medical evacuation and repatriation coverage. The Harbour Group is one company that offers this plan for $60 per year.
Recommended insurance plan for persons not covered by William and Mary Employee Health insurance
Selecting an insurance plan can be challenging and some plans provide better coverage than other plans. It is important to have good quality health insurance plan because the cost of medical care in the US is very high.
1. For stays 3 months or longer: The Reves Center recommends that scholars and tutors review the COMPASS Silver Plan offered by ISO: Student Health Insurance. This plan is reasonably priced and offers the minimum allowable coverage that we recommend for a more realistic coverage of costs associated with medical procedures, medical evacuation, and repatriation. It also has a low deductible and offers multi-lingual customer support. It is a member of two large Preferred Provider Networks (PPO): FirstHealth and MultiPlan, to which most of the doctors and medical centers (Sentara and Riverside) in the Williamsburg and Gloucester area belong. A summary of coverage is listed below:
- Maximum benefit: $400,000
- Repatriation: $50,000
- Medical Evacuation: $60,000
- Deductible per event: $100
ISO offers plans with higher coverage as well: COMPASS Gold, ISO Med 1, ISO Med 1, Shield 500 and Shield 3000. These provide more coverage than the COMPASS Silver Plan.
ISO Health Insurance Plans are undewritten by the US Fire Insurance Company. Its AM Best rating is A.
To purchase and enroll in an ISO Insurance plan, such as COMPASS Silver, go to https://www.isoa.org/.
2. For stays less than 3 months: The Reves Center recommends the Liaison International Plan offered by Seven Corners Insurance Company. This plan is reasonably priced and offers the minimum allowable coverage that we recommend for a more realistic coverage of costs associated with medical procedures, medical evacuation, and repatriation. It offers coverage for periods of 5 days to 187 days. It is a member of the MultiPlan Preferred Provider Network (PPO), to which many of the doctors, and medical centers (Sentara and Riverside) in the Williamsburg and Gloucester area belong.
The Liaison International Plan offers diferent levels of coverage. We recommend that you purchase a minimum of $500,000 of coverage.
Seven Corners Insurance Plans are undewritten by the US Fire Insurance Company. Its AM Best rating is A.
To purchase and enroll in the plan, click on Liaison International Plan.