Evidence and maintain health insurance coverage that meets or exceeds the level of coverage required by Northwestern by providing a copy of their insurance policy to Gallagher Benefit Services (GBS) for approval. (If your policy is not written in English, you must provide an official translation for the insurance).
Dependents may waive the VSP Plan by purchasing insurance that meets Department of State J-2 insurance requirements. These policies must also be approved by Gallagher Benefit Services (GBS).
Minimum Health Insurance Requirements
Medical benefits of at least $100,000 per accident or illness
Coverage for repatriation of remains in the amount of $25,000 (does not apply to B1 visa holders)
Coverage for medical evacuation expenses in the amount of $50,000
Deductible not to exceed $500 per accident or illness (does not apply to comprehensive plans with annual deductibles)
Out-of-pocket expenses not to exceed $9,000 per year
Co-insurance provision not to exceed 20% (in-network) or 40% (out-of-network)
Coverage for at least 80% of the amount charged (in-network) or 60% (out-of-network)
Coverage for inpatient and outpatient care for both sickness and accident
Coverage for pre-existing conditions (no exclusions, no waiting period)
Coverage for mental health
Coverage for prescription drugs
Coverage for pregnancy
Policy must not unreasonably exclude coverage for perils inherent to the activities of the program in which the exchange visitor participates