Overview for Scholars

Scholar Immigration Definitions

Scholar Obtaining Your Visa (J-1)

Scholar Obtaining Your Visa (H-1B and O-1)

Scholar Transfer of Visa Supervision

Scholar Change of Status

Message for Canadian Scholars

Potential Delays in Visa Issuance

Scholar Tax Information

Health Insurance Overview for J-1 Scholars

Employment for J-1 Scholars

Employment Authorization for J-2

Employment for H-1B or O-1 Scholars

Scholar Maintaining Immigration Status (J-1)

Scholar Maintaining Immigration Status (H-1B and O-1)

J-1 Scholar Travel Information

H-1B Scholar Travel Information

O-1 Scholar Travel Information

Scholar Departure Information

Home Country Residency Requirement

Address Change Form

Health Insurance in the United States

All J-1 holders and their dependents are required by Exchange Visitor Program (EVP) and the Department of Homeland Security (DHS) regulations to have health insurance with specific minimum coverage requirements while in the United States. If you are a full-time employee of Columbia University on Columbia University's payroll and receiving full-time benefits of the University, it is most likely that you and your dependents will be eligible to receive health insurance through Columbia University with a contribution deducted from your salary upon your written consent for enrollment. Therefore, you should ascertain from your hiring department whether you will be eligible for this benefit. If you are receiving health insurance as a benefit of your employment, you should wait to talk to a benefits officer in the Human Resources office at Columbia and choose from the health insurance options offered by the University (which differ from the list below).

If you are not a full-time employee of Columbia University, you must obtain health insurance from an outside carrier. While it is your responsibility to select, obtain and maintain health insurance coverage for yourself and any of your dependents in the U.S. on J-2 status, Columbia University would like to provide you with some early guidance in the confusing and expensive world of health insurance. If you will not obtain acceptable health insurance before arriving in the U.S., the following information will be useful to you.

Most health insurance in the U.S. is private. This means that you must apply to a private company in order to obtain insurance, your application must be approved, and you must make timely payments of your monthly premiums in order to remain insured. Health coverage for individuals is significantly less expensive than coverage that includes family members. Some insurance policies are supplements to other policies.

The minimum coverage requirements specified by the EVP address a few, very general features that your health insurance policy must have [22 CFR 62.14].

The insurance coverage must meet these minimums:

The policy, plan, or contract secured to meet these insurance requirements must at minimum be:

Minimum medical benefit of $100,000 per person per accident or illness;

Deductible that does not exceed $500 per accident orillness;

Minimum repatriation of remains in the amount of $25,000;

Minimum medical evacuation expenses in the amount of$50,000; and

May include provision for co-insurance paid by J-1 not to exceed 25% of covered benefits per accident or illness.

Insurance policies:

May require a waiting period for pre-existing conditions that is reasonable as determined by current industry standards; and

Shall not unreasonably exclude coverage for the perils inherent to the activities of the exchange program in which you participate.
Underwritten by an insurance corporation having:

--An A.M. Best rating of “A-“ or above; or

--A McGraw Hill Financial/Standard & Poor Claims-paying ability rating of “A-“ or above; or

--A Weiss Research, Inc. rating of “B+” or above; or

--A Fitch Ratings, Inc. rating of “A-“ or above; or

--A Moody’s Investor Services rating of “A3” or above; or

Be backed by the full faith and credit of the exchange visitor’s home country; or

Part of a health benefits program offered on a group basis to employees or enrolled students by a designated sponsor; or

Offered through or underwritten by a federally qualified Health Maintenance Organization or eligible Competitive Medial Plan as determined by the Centers of Medicare and Medicaid Services of the U.S. Department of Health and Human Services.

There are many other coverage conditions, coverage limitations and coverage exclusions - not regulated by the EVP - which will be part of the insurance policies you will encounter. You must understand these details in order to make an informed choice. Insurance companies often use words in their policies with very specific meanings, relevant to their business. It is extremely important that, before purchasing any insurance policy, you understand as much as possible about your policy and its conditions. You are purchasing a product from a health insurance company; do not hesitate to ask them as many questions as necessary, as often as necessary.

Affordable Care Act Requirements
The Affordable Care Act requires that all individuals who are considered U.S. residents for tax purposes (as defined by the IRS at http://www.irs.gov/Individuals/International-Taxpayers/Determining-Alien-Tax-Status ) carry adequate health insurance coverage. Most J-1 scholars are considered nonresidents and are not subject to the Affordable Care Act. In general, J-1 scholars are considered nonresidents if they have been in the United States for less than 2 calendar years. It is the responsibility of the scholar to determine whether or not they are subject to the mandate.

The following is a list of approximate definitions of terms and conditions often found in U.S. health insurance policies:

Policy (whole):A contract with a health insurance company providing for a broad range of medical treatments and/or payments in case of accidents or illness. Most whole policies usually provide a standard set of benefits, but the provisions, conditions and benefits of different policies can vary widely.

Supplement: A policy providing only very specific, limited benefits (i.e.: medical evacuation, repatriation of remains), and whose benefits can supplement benefits by another policy you already have.

Premium:The amount you must pay each month to purchase the insurance coverage. In some policies, the premium varies with the age of the insured(s).

Dependent coverage: Coverage for your spouse or children. Sometimes, dependents can be enrolled in a policy independent of you.

Deductible: The amount of money you must pay, in each case of accident or illness, before the insurance starts paying. Most policies have a deductible.

Application Deadline: Sometimes you and/or your dependents must be enrolled in the insurance within a certain period after arrival in the U.S.

Coverage Period: The units of time in which the insurance can be bought (i.e.: six months, one year). Most policies are renewable, but the premiums may increase at renewal.

Coverage: The percent of costs the insurance will pay and the maximum amount up to which the insurance will pay per accident or illness, or per coverage period. The coverage starts after you pay the deductible.

Hospitalization: Usually includes a semi-private room, doctor's fees, drugs, x-rays, laboratory tests, etc. Sometimes there is a limit on the number of days covered.

Maternity: It includes visits to your doctor, the delivery and related hospital charges. Sometimes policies limit or do not offer this coverage. Some policies do not cover abortions.

Prescription: Coverage for medications ordered by a doctor for use outside of the hospital.

Dental: Most policies cover injuries to teeth, not preventive or maintenance dental care.

Evacuation: The amount the insurance policy will pay if you need to be transported to your home country for medical treatment.

Repatriation: The amount the insurance company will pay to transport your remains to your country.

Accidental Death and Dismemberment: The amount the insurance will pay if you are killed or maimed accidentally

Exclusions: These are the injuries, illnesses or treatments for which the insurance will not pay. "Usual Exclusions" normally means pre-existing conditions, eye care, foot care, infertility and birth control, injuries while playing organized sports or piloting an airplane, injuries or death from war, terrorism, revolution or suicide, cosmetic surgery, experimental treatments, treatments administered by a member of your family, and expenses covered under other insurance policies you may have. This is not a complete list of exclusions. Different policies may have different exclusions.

While Columbia University cannot evaluate, recommend, or endorse any specific health insurance company or policy, see list of health insurance providers prepared by NAFSA.

Last Reviewed: 8 April 2015. Last modified: 8 April 2015
Columbia University International Students and Scholars Office