Mandatory Health Insurance
The United States Information Agency (USIA) has mandated, via federal regulations, that all Exchange Visitors holding the J-1 visa maintain health insurance coverage for themselves and their dependents. Maintaining health insurance is a condition of your J-1 visa status. The coverage must meet the US State Department guidelines which were sent to you with your visa application. If UMass or your sponsoring agency is not providing health insurance, you must purchase your own. You may select the medical insurance that is best for you and any family; however, here is the minimum coverage that must be met:
- $100,000 per accident or illness
- A deductible of no more than $500 per illness
- Medical evacuation in the amount of $10,000
- Repatriation coverage for up to $7500
MEDICAL EVACUATION AND REPATRIATION IS AVAILABLE FREE OF CHARGE TO ALL SCHOLARS VISITING UMASS (PAID AND UNPAID). IT IS NOT NECESSARY TO ENROLL OR COMPLETE AN APPLICATION. Enrollment Card
Below are some plan options. UMASS is not responsible for these plans.
It is the scholar's responsibility to get details about the plan they choose. It is important to know whether you will need to pay first and then get reimbursed (this can be very costly) and what doctors or hospitals will accept the insurance plan you choose. Most of these plans do NOT cover prior health problems (pre-existing conditions). They are travel/ accident insurance and offer minimal coverage and sometimes large deductibles.
Employees in positions represented by the Postdoctoral Researcher Organizing (PRO) bargaining unit are eligible for health insurance coverage through the Health New England / PD (HNE/PD) plan.