Securing coverage for pre-existing conditions is expensive. Defining a waiting period is a common practice. Exclusions are the expenses the policy will not cover. Read the policy to make sure that there are no items concerning you in particular. The J-1 regulations require that if a particular activity is a part of the exchange visitor's program, the insurance must cover injuries resulting from participating in that activity.
Some policies also exclude pre-existing conditions.
Dental and vision care are generally excluded. They should reflect the true medical cost of the eligible pool of applicants. However, only reasonable premium rates can guarantee a stable and reliable coverage without dramatically changing premium or interruption of coverage. Only reasonable premium rates can guarantee responsible service. Here is the online enrollment form .