U.S. government regulations require all J-1 principals and their J-2 dependents to have Sickness and Accident insurance, and Medical Evacuation and Repatriation insurance in effect for the duration of the J status validity period. Acceptable proof of such coverage as meets the federal requirements will be determined by Exchange Visitor Services staff. Please note that it is the exchange visitor's responsibility to maintain valid health insurance for themselves and any active J2 dependents at ALL times from the start date on the DS-2019 until the end date on the DS-2019. A willful failure on the part of the exchange visitor to maintain effective insurance will result in termination of the visitor's program. If an exchange visitor or his/her J-2 dependents are outside of the U.S., the exchange visitor and dependents are still required to maintain current health insurance in order to maintain legal status and an active DS-2019.

Below is a list of pre-approved plans that are strongly recommend by the UFIC, as we work closely with these companies and will be to assist should any issues arise. The exchange visitor can simply print out the ID card for one of these policies which we will accept as proof of coverage. However, if an exchange visitor is looking to be covered by another insurance provider that is not listed below, the exchange visitor must first provide proof that that insurance meets the J visa requirements to the International Center. An exchange visitor can do this by having the insurance provider print in English the dates of coverage he/she will have (beginning and end-dates), his/her name with date of birth along with any J-2 dependents, and the dollar amount in U.S. currency for the specified categories listed on our Insurance Verification Form. If an exchange visitor is unable to provide proof of health insurance, he/she will be required to purchase one of the pre-approved plans that meet the mandatory requirements. If the exchange visitor purchases one of these plans, the exchange visitor must submit confirmation of purchase for him/herself and along with any dependents that are covered under his/her policy.

The required insurance coverage must be purchased for a minimum of a 90-day period. Exchange visitors who will hold J status for less than 90 days may purchase insurance coverage on a month-to-month basis until the end of their program.

If an exchange visitor is eligible to enroll in the State of Florida health insurance plans, the exchange visitor will still need to purchase insurance to cover him/herself until the State of Florida insurance coverage is active. Be aware that the state benefit plans DO NOT meet the medical evacuation and repatriation requirements, so exchange visitors MUST purchase a supplemental policy that provides appropriate coverage for the duration of their stay.  Please be aware that although the State of Florida standard PPO and HMO are acceptable plans, the high deductible HMO and PPO DO NOT meet the requirements for international scholars and are not acceptable as proof of insurance.

If an exchange visitor is eligible for GatorGradCare or GatorCare Options health insurance, the exchange visitor must still purchase insurance to cover him/herself until the GatorCare insurance coverage is active. Please check with the host department to find out if the exchange visitor is eligible for GatorGradCare or GatorCare Options. These plans DO meet the medical evacuation and repatriation requirements, so an exchange visitor WILL NOT be required to purchase a supplemental policy providing this coverage spans the duration of stay as noted on the DS-2019.

Please send all insurance confirmations or questions to: scholarinsurance@ufic.ufl.edu

    Insurance policies must meet the following requirements
    1. Medical benefits of at least $ 100,000 per accident or illness, as of January 1, 2015;
    2. Mental / Nervous Conditions Expense Benefit and Alcohol & Drug Abuse Expense Benefit
      Benefits are provided for psychotherapeutic treatment and psychiatric counseling and treatment for an approved psychiatric diagnosis. Benefits are for both inpatient mental health treatment in a Hospital or approved facility and for outpatient mental health treatment.
      Benefits are provided for inpatient and outpatient services including diagnosis, detoxification, counseling, and other medical treatment rendered in a Physician's office or by an outpatient treatment department of a Hospital, community mental health facility or alcoholism treatment facility. So long as the facility is approved by the Joint Commission on the Accreditation of Hospitals or certified by the Department of Health.

      Inpatient Expense: Up to a maximum of 40 days.
      OUT-OF-NETWORK PROVIDER: Inpatient Expense Up to a maximum of 40 days.
      80% coverage for in network and   70% coverage for out of network

      Outpatient Expense; Up to a maximum of 40 visits
      OUT-OF-NETWORK PROVIDER: Outpatient Expense Up to a maximum of 40 days.
      80% coverage for in network and   70% coverage for out of network

    3. Repatriation of remains in the amount of $25,000;
    4. Medical Evacuation in the amount of $50,000;
    5. A deductible not to exceed $500 per accident or illness (also may include a 6 month waiting period for pre-€existing conditions and 25% co-payment);
    6. Policy shall not unreasonably exclude coverage for perils inherent to the activities of the Exchange Program in which the Exchange Visitor participates;
    7. Any insurance policy secured to fulfill these requirements must meet minimum Insurance Solvency rating:
      1. Underwritten by an insurance corporation having an A.M. Best rating of "A-" or above, an Insurance Solvency International, Ltd. (ISI) rating of "A" or above, a Weiss Research, Inc. rating of B+ or above;
      2. Backed by the full faith and credit of the government of the exchange visitor's home country; OR
      3. Part of a health benefits program offered on a group basis to employees or enrolled students by a designated sponsor; OR
      4. Offered through or underwritten by a federally qualified Health Maintenance Organization (HMO) or eligible Competitive Medical Plan (CMP) as determined by the Health Care Financing Administration of the US Department of Health and Human Services;
    8. Must be acceptable in all medical facilities.
    Pre-approved Companies and Plans for J-1 Scholars: Accident and Illness Insurance
    International Student Protection
    Trail Blazer, UF Scholar Trail Blazer Plan (1 month minimum)
    Has a level of maternity coverage. J1 must be ensure also. With a six month waiting period for any Pre-Existing Conditions. May cover J2 dependents alone ONLY under the Patriot Plan ( 1 month minimum).
    PSI - Professional Service, Inc.
    Gold and Diamond (1 month minimum. Must be purchased online)
    Has a level of maternity coverage. J1 must be ensure also. With a six month waiting period for any Pre-Existing Conditions.
    SCI - €Scarborough Company Insurance, Inc. 
    Scholar/Faculty Insurance Plan (1 month minimum).
    Has a level of  maternity coverage. J1 must be ensure also. 

    NOTE: EVS is no longer accepting Seven Corners, Visit and Inbound insurance policies.


    Supplement - The insurance listed below can only be used as a supplement to a policy that does not provide medical evacuation and repatriation (for example, those who are eligible for UF benefits).
    ISP BETA Scholastic
    111 John Street, Suite 750
    New York, NY 10038
    Phone: 1-212-693-3717
    Toll Free: 1-877-738-5787
    Fax: 1-212-693-4753

    Please send all insurance confirmations to: scholarinsurance@ufic.ufl.edu