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 $38.10 for 30 days.
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.
A phone consultation is often the fastest way to reach a doctor in the US. On TaiAn plans, Teladoc phone consultations are free, with no deductible and no pre-existing exclusion. Check whether the plan you’re comparing charges for telehealth, or applies its deductible to it.
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 | Lowest costTaiAn Exchange SelectPlan S | 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 three 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.