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Provide medical benefits of at least $50,000 per accident or illness  
•  Provide repatriation coverage of at least $7,500  
•  Provide medical evacuation coverage to home country of at least $10,000  
•  Maximum deductible of $500 per accident or illness  
•  May require a waiting period for pre-existing conditions which is reasonable under current industry standards  
•  May include a provision for co-insurance which requires the exchange visitor to pay up to 25% of the covered
benefits per accident or illness  
•  Does not unreasonably exclude coverage for perils inherent to the activities of the exchange program in which
the exchange visitor participates  
•  Coverage is guaranteed through at least one of the following means:  
o  Insurance policy is underwritten by a health insurance company rated:  
  ¡°A-¡± or above by A.M. Best or  
  ¡°A-i¡± or above by Insurance Solvency International (ISI) or  
  ¡°A-¡± or above by Standard & Poor¡¯s Claims Paying Ability or  
  ¡°B+¡± or above by Weiss Research, Inc. OR  
o  Policy is backed by the full faith and credit of the government of the J-1¡¯s home country OR  
o  Policy is part of a health benefits program offered on a group basis to employees or enrolled students
by a designated sponsor OR  
o  Policy is offered through or underwritten by a federally qualified Health Maintenance Organization or
eligible Competitive Medical Plan as determined by the U.S. Dept. of Health & Human Services.  

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plenty

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2Â¥2012-10-27 02:18:17
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cx0305

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2Â¥: Originally posted by plenty at 2012-10-27 02:18:17
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May require a waiting period for pre-existing conditions which is reasonable under current industry standards  
•  May include a provision for co-insurance which requires the exchange visitor to pay up to 25% of the covered
benefits per accident or illness

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3Â¥2012-10-27 08:39:43
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mnily555

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4Â¥2012-10-29 15:25:34
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