We have found that the best way to provide this service at the lowest cost is to have a group plan for students. Immediate family members can be covered in conjunction with the student for an additional fee. This plan is available by semester or at an annual rate. You can pick up a brochure at IES or the Health Center. You are required to purchase a policy within this plan or show proof of comparable coverage.
Some governments provide group policies for students from their country.
Check with your embassy or sponsoring agency to compare the level of care, deductible rate, premium rate, and exclusions. If you need assistance evaluating the coverage, help is available in the Health Center. The University student health insurance plan does cover pre-existing conditions. Family members may also be insured on these programs at an additional cost. Government regulations stipulate that if you willfully fail to carry the mandated health insurance, your J-1 sponsor must terminate your program, and report the termination to the United States Information Agency.