Most J-1 plans look identical on the surface. The differences that actually cost you money sit in the small print: the deductible type, your share of each bill, and how long pre-existing conditions stay excluded. Check these four things on any plan you're considering, then compare ours below, from $34.20 for 30 days with the group discount.
Skip to the comparisonJ-1 visa holders must carry at least $100,000 per illness, $50,000 medical evacuation, $25,000 repatriation and a deductible of $500 or less. A cheaper plan that misses one of these can void your program's insurance requirement. All three plans below meet all four minimums.
A "$100 deductible" can mean $100 per illness (you pay it again for each new problem) or $100 per year. Two doctor visits for two different illnesses cost twice as much under per-illness. TaiAn plans offer an annual-deductible option most competitors don't.
Coinsurance is the percentage of each bill you still pay. On a $10,000 emergency, 20% coinsurance is $2,000 from your pocket. Plan B below has no coinsurance at all, in or out of network.
Most providers price per person, full stop. TaiAn runs Special Groups: a one-time $5 joining fee saves 10% on the premium of the two most popular plans. If the provider you're comparing has no equivalent, compare their price against the discounted TaiAn price, not the list price.
Our plans meet the US Department of State's requirements for J visa holders. All three are underwritten through IMG (International Medical Group) and use the UnitedHealthcare Options network in the US.
| Most popular · best valueTaiAn Patriot ExchangePlan B | TaiAn Exchange SelectPlan S · lowest cost | TaiAn Exchange Select SixPlan S-6 · shorter pre-existing wait | |
|---|---|---|---|
| Maximum benefit | $100,000 per illness | $100,000 per illness | $100,000 per illness |
| Coinsurance (your share after the deductible) | None, in or out of network | 20% in network, 30% out | 20% in network, 30% out |
| Pre-existing conditions covered after | 12 months | 12 months | 6 months |
| Deductible options | $100 per illness, or annual $0 / $250 / $500 | $100 per illness, or annual $250 / $500 | $100 per illness, or annual $250 / $500 |
| Under 25 | $53.70 | $38.10 | $47.10 |
| 25 to 49 | $68.70 | $49.80 | $64.50 |
| 50 to 64 | $141.30 | $106.50 | $129.60 |
| Get my exact price | Get my exact price | Get my exact price |
COVID-19 treatment is included on all student and scholar plans. Teladoc phone consultations are free on TaiAn plans, with no deductible and no pre-existing exclusion. The complete benefit lists for every plan are at taianfinancial.com/student-scholar.
Group membership costs $5 and saves 10% off the premium of the TaiAn Patriot Exchange and TaiAn Exchange Select plans. On the most popular plan, that is $175 savings on a 12-month policy.