Why buy IMG insurance through TaiAn? International Medical Group (IMG) is a worldwide leader in international medical insurance, and TaiAn is an IMG Endorsed Independent sales center. TaiAn offers exclusive plan options, like the annual deductible and kids-free coverage, and bilingual service to make your insurance experience easy.

Does Plan B meet the Department of State requirements for J visas? Yes, when you choose a benefit of $100,000 or more per illness or injury. The J visa minimums are $100,000 medical per accident or illness, $25,000 repatriation of remains, $50,000 medical evacuation and a deductible of $500 or less. The insurer must also meet a minimum rating. Plan B is underwritten by SiriusPoint Specialty Insurance Corporation, rated "A" (Excellent) by A.M. Best, which exceeds the requirement.

Who can buy Plan B? International students, scholars and their dependents on F-1, F-2, J-1, J-2, M-1, M-2, OPT and other education or exchange visas.

• F-1 college students: confirm Plan B meets your school's waiver requirements.
• J-1 scholars: Plan B meets the federal standard, so confirm it also meets your sponsor's rules.
• OPT: any Plan B option works.
• High school or ESL students: buy after confirming school requirements.
• F-2 and J-2 dependents: buy with the primary, or alone for different dates.

How do I make sure Plan B meets my school's requirements? Search for your school on our Student & Scholar page, or contact TaiAn with your school's requirements and we'll check for you.

How do I buy Plan B, and how fast will I get my documents? Buy online from the TaiAn Patriot Exchange page. Choose your benefit and deductible based on your school's rules and your needs, then pay with a Visa, Mastercard, Discover or American Express credit or debit card. IMG emails your ID card and visa letter within minutes. Check your spam folder if you don't see it.

How do I get the 10% discount? Individuals can join the TaiAn Group plan to save 10%.

Per-illness or annual deductible: which should I choose? The options differ only in the deductible. With the $100 per-illness deductible, you pay $100 once for each separate illness or injury, no matter how many visits it takes. With an annual deductible of $0, $250 or $500, you pay that amount once per policy period, no matter how many times you get sick. If you expect several unrelated visits in a year, the annual deductible is usually the better choice. All options meet the J visa standard; check your school's deductible limit.

What if my payment is declined? Common causes are a credit limit, a bank blocking a foreign or online charge (call the number on your card), a billing address that doesn't match your card statement, or an electronic signature that doesn't match the name on the card. Fix the issue and submit a new application.

How do I renew? Plan B can be renewed for up to 4 years if your first purchase was at least 1 month. Individual policyholders get renewal emails with a link; you can update your contact details and card during renewal.

How do I get care when I'm sick? Plan B pays the same benefits in or out of network, so you can see any provider. Using the UnitedHealthcare Options network usually makes billing easier, because many network providers bill IMG directly. Whether a provider bills directly is the provider's choice. For non-urgent issues, try your student health center or an urgent care clinic first. Bring your ID card and photo ID. In a real emergency, go to the nearest emergency room.

Do I need to pre-certify? Yes, for hospital stays, outpatient surgery, CT scans and MRIs, extended care, home nursing, durable medical equipment and transplants. Emergency admissions must be certified within 48 hours. Routine office visits don't need pre-certification. Start pre-certification from your MyIMG account.

How do I file a claim? Either the provider bills IMG, or you pay and submit the bill. In both cases, submit an IMG claim form. Create a MyIMG account to file claims, track their status and download your documents. For claim questions, call the number on your ID card; IMG offers help in other languages.

Is there coinsurance? No. After your deductible, Plan B pays 100% of eligible expenses up to your benefit level.

Are prescriptions covered? Yes, for a covered illness or injury, subject to your deductible, up to your benefit level. You may pay at the pharmacy and submit receipts with a claim form.

Are child checkups and vaccines covered? No. Plan B covers illness and injury, not routine care. Contact us for low-cost or free options for vaccines and children's physicals.

Are dental and vision covered? Only limited emergency dental care for an injury or sudden pain, and eye illness or injury. Routine cleanings, eye exams and glasses aren't covered; see the plan brochure for limits. For routine care, consider adding a Careington Dental and Vision discount plan.