Insurance

U.S. government regulations require all J-1 principals and their J‐2 dependents to have Sickness and Accident insurance, and Medical Evacuation and Repatriation insurance in effect for the duration of your J status validity period. Acceptable proof of such coverage will be determined by Exchange Visitor Services staff.

Please note that it is your responsibility to maintain valid health insurance at ALL times from the start date on your DS-2019 until the end date on your DS-2019. A willful failure on the part of the exchange visitor to maintain effective insurance will result in termination of the visitor’s program. If you or your J-2 dependents are outside of the U.S., you are still required to maintain current health insurance in order to maintain legal status and an active DS-2019.

Please find below a list of pre-approved plans that are strongly recommend by the UFIC, as we work closely with these companies and will be to assist should any issues arise. Please simply print out the ID card for one of these policies which we will accept as proof of coverage.

However, if you are looking to be covered by another insurance provider that is not listed below, you must first provide proof that your insurance meets the J visa requirements to the International Center. You can do this by having the insurance provider print in English the dates of coverage you will have (beginning and end-dates), your name with date of birth also any dependents you may have and the dollar amount in U.S. currency for each specified categories listed on our Insurance Verification Form.

If you are unable to provide proof as outlined above, you will be required to purchase one of the pre‐approved plans that meet the mandatory requirements. If you purchase one of these plans, please make sure to submit confirmation of purchase for you and also any dependents that are covered under your policy.

The required insurance coverage must be purchased for a minimum of a 90-day period. Exchange visitors who will hold J status for less than 90 days may purchase insurance coverage on a month-to-month basis until the end of their program.
If you are eligible to enroll in the State of Florida health insurance plans, you will still need to purchase insurance to cover you until your State of Florida insurance coverage is active. Be aware that the state benefit plans DO NOT meet the medical evacuation and repatriation requirements, so you MUST purchase a supplemental policy that  provides appropriate coverage for the duration of your stay.  Please be aware that although the State of Florida standard PPO and HMO are acceptable plans, the high deductible HMO and PPO DO NOT meet the requirements for international scholars and are not acceptable as proof of insurance.

If you are eligible for GatorGradCare or GatorCare Options health insurance, you must still purchase insurance to cover you until your GatorCare insurance coverage is active. Please check with your host department to find out if you are eligible for GatorGradCare or GatorCare Options.  These plans DO meet the medical evacuation and repatriation requirements, so you WILL NOT be required to purchase a supplemental policy providing this coverage for the duration of your stay.

PLEASE SEND CONFIRMATIONS OR QUESTIONS TO: scholarinsurance@ufic.ufl.edu

Insurance policies must meet the following requirements:

  1. Medical benefits of at least $ 100,000 per accident or illness, as of January 1, 2015;
  2. Repatriation of remains in the amount of $25,000;
  3. Medical Evacuation in the amount of $50,000;
  4. A deductible not to exceed $500 per accident or illness (also may include a waiting period for pre‐existing conditions and 25% co‐payment);
  5. Policy shall not unreasonably exclude coverage for perils inherent to the activities of the Exchange Program in which the Exchange Visitor participates;
  6. Any insurance policy secured to fulfill these requirements must meet minimum Insurance Solvency rating:
    1. Underwritten by an insurance corporation having an A.M. Best rating of “A‐“ or above, an Insurance Solvency International, Ltd. (ISI) rating of “A” or above, a Weiss Research, Inc. rating of B+ or above;
    2. Backed by the full faith and credit of the government of the exchange visitor’s home country; OR
    3. Part of a health benefits program offered on a group basis to employees or enrolled students by a designated sponsor; OR
    4. Offered through or underwritten by a federally qualified Health Maintenance Organization (HMO) or eligible Competitive Medical Plan (CMP) as determined by the Health Care Financing Administration of the US Department of Health and Human Services;
  7. Must be acceptable in all medical facilities.

Pre‐approved Companies and Plans: Accident and Illness Insurance

  • ICS – International Community Service, Inc.  
    1-800-356-1235
    Prime Plus Plan OR Prime Plan (3 month minimum. Must be purchased online)
    Has a level of  maternity coverage. J1 must be ensure also. With a six month waiting period for any Pre-Existing Conditions.
  • International Student Protection
    1-877-738-5787
    Trail Blazer, UF Scholar Trail Blazer Plan (1 month minimum)
    Has a level of  maternity coverage. J1 must be ensure also. With a six month waiting period for any Pre-Existing Conditions. May cover J2 dependents alone ONLY under the Patriot Plan ( 1 month minimum).
  • PSI – Professional Service, Inc.
    1-888-789-4488
    Gold and Diamond (1 month minimum. Must be purchased online)
    Has a level of  maternity coverage. J1 must be ensure also. With a six month waiting period for any Pre-Existing Conditions.
  • SCI ‐Scarborough Company Insurance, Inc. 
    1-352-377-2002
    Scholar/Faculty Insurance Plan (1 month minimum).
    Has a level of  maternity coverage. J1 must be ensure also.        

NOTE: EVS is no longer accepting Seven Corners, Visit and Inbound insurance policies.

Supplement

The insurance listed below can only be used as a supplement to a policy that does not provide medical evacuation and repatriation (for example, those who are eligible for UF benefits).

 

Please send all insurance confirmations to: scholarinsurance@ufic.ufl.edu