US Department of State Insurance Requirements for J visa:
If you select a $100,000 benefit per illness or injury (or higher benefit) all the options in TaiAn Plan S meet USDOS requirements. The insurer rating by A.M. Best is "A", and also meets the requirements.
TaiAn Plan S is designed specifically for international scholars, students and their dependents (F1,F2,J1,J2,OPT).
Buy Plan S online and receive the fulfillment instantly. Purchase steps are as follows:
TaiAn Exchange Select Group plan is available for groups of 5 or more primary applicants (F1/J1).
You will have an instant quote online and can pay with your credit card or debit card which has a Visa, MasterCard or American Express logo
Some common reasons for a declined payment are:
If your card is declined you can submit a new on line application after fixing the problem.
Plan S customers can go to any provider, in-PPO or out of PPO you get the same benefits. This doesn't necessarily mean every hospital provides direct billing service. Medical providers decide whether to provide direct billing or not, the decision is not made by the insurance company. Different providers, or the same provider for different illness /injury, can make different decisions.
When you get sick you can try first going to your Student Health Center where you will only pay a $5 copay. If you need urgent care and the student health center won\'t meet your needs, an Urgent Care center might. They usually have evening and weekend hours and no appointment is necessary. If you need to go to a doctor in the United States, you need an appointment. You can choose any medical provider you want to see and receive the same benefits. The First Health Network is available for your convenience if you need help finding a provider. You can search First Health Network PPO network link to find a medical provider.
When you see a doctor, carry your insurance card and personal ID (to verify your identity). In the United States if you do not have an appointment and go directly to the hospital, you go to the Emergency Room. If you go to the Emergency room and are not admitted to the hospital you have to pay a $250 additional deductible. In a real emergency situation (that is life-threatening or disabling), go to the nearest Emergency Room.
There is 20% coinsurance for TaiAn Plan S in PPO or out of PPO. After you pay your deductible, you pay 20% of covered charges and the insurance pays 80% of covered charges.
If the illness or injury is covered, the prescription medicine will be covered (subject to deductible) at 100% of usual charges until the per illness or injury maximum that you bought is met. When you need to fill a prescription you go to the pharmacy with the prescription you received from the doctor. Make sure to bring the Universal URX Discount Card with you. You will have to pay for your prescription at the pharmacy but may receive a 10% to 50% discount with the card. You can then submit your receipts and a claim form to IMG for reimbursement.